A loan of $725 helped to purchase a dairy cow.


Milka's story

Milka lives in the Ndaragwa area of Kenya, which has one of the cooler climates in Kenya. She has three children and has been doing this work for 23 years. Her primary income sources are milk, eggs, and crops.

She stated what is most enjoyable about farming: "Marketing milk." Her biggest challenges are "selling the milk and unstable prices." Animals on the farm have been given the names of "Kairitu and Fergason both are cows."

Milka was asked why she chose Juhudi Kilimo for this loan, to which she replied: "For better loan interest." This client was also asked what was learned during Juhudi's required micro-finance training session: "Groups has helped farmers acquire assets."

Her highest monthly expense is school fees. When asked, "How will this loan benefit her family," Milka replied, that it "will pay fees for the children."

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



Loan details


Lenders and lending teams




Loan details