A loan of $700 helped to purchase a dairy cow.

Paul's story

Paul lives in the Eldoret area of Kenya. He has 4 children and has been doing this work for 4 years. His primary income sources are from selling milk, eggs and crops.

He stated what is most enjoyable about farming: 'taking his cows for milking from grazing.' His biggest challenge is 'buying dairy meal.' Animals on the farm have been given the names of 'teta - cows'.

Paul was asked why he chose Juhudi Kilimo for this loan, to which he replied: 'Juhudi Kilimo officer outreached our group.' This client was also asked what was learned during Juhudi's required micro-finance training session: 'I can now save my money very well.'

His highest monthly expense is family expenses. When asked 'How will this loan benefit his family', Paul replied 'mass production of milk means I will have a lot of money to keep my family.'

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Paul owns the following: 'cow, poultry' but does not own 'pig, pump, bicycle, motorcycle, automobile'. Juhudi Kilimo also tries to measure any change in living standards based on this loan. This borrower has in the household 'mosquito net, solar power, running water' but does not have 'electricity, sewing machine, TV, DVD'.

Note: To create this loan profile, Juhudi Kilimo used a mobile device to gather information in the field and send the data to a central online repository, thus reducing paper use, making the process more efficient, and keeping costs down."

Loan details

Lenders and lending teams

Loan details