A loan of $475 helped to purchase irrigation equipment for his farmland.

Onesmus's story

Onesmus lives in the Ndaragwa area of Kenya, which has one of the cooler climates in Kenya. He has three children. He has been farming for three years. His primary income sources are milk, eggs, crops, and personal business.

He stated what is most enjoyable about farming: 'Income from farming.' His biggest challenge is 'Marketing the produce.' Animals on the farm have been given no names.

Onesmus was asked why he chose Juhudi Kilimo for this loan, to which he replied: 'Good loan terms.' This client was also asked what was learned during Juhudi's required microfinance training session: 'Savings as a foundation for the group co-guarantee.'

His highest monthly expense is family expenses. When asked: 'How will this loan benefit your family,' Onesmus replied: 'I will be able to educate my children.'

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Onesmus 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 sewing machine, but does not have a mosquito net, electricity, solar power, running water, TV, or DVD.

Loan details

Lenders and lending teams

Loan details