A loan of $375 helped to purchase a dairy cow.

Zachary's story

Zachary is a farmer who lives in the Kisii area of Kenya, which is a bananas and sugar cane growing region. He has three children and has been doing this work for five years. His primary income sources are milk, eggs, crops, and personal business.

He stated what is most enjoyable about farming: "Poultry, tea, dairy farming because I get food and get income out of my sales." His biggest challenge is "Lack of enough income to cater for my needs and to better my farming." Animals on the farm have been given the names of "Nyabarati."

Zachary was asked why he chose Juhudi Kilimo for this loan, to which he replied: "Lower interest." This client was also asked what was learned during Juhudi's required microfinance training session, and he said, "How to save and how to manage loans."

His highest monthly expense is family expenses. When asked how this loan would benefit his family, Zachary replied, "Improve our lives."

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

Loan details

Lenders and lending teams

Loan details