A loan of $700 helped to purchase poultry.


Tom's story

Tom lives in the Nkubu area of Kenya. He has 2 children and has been doing this work for 11 years. His primary income sources are: milk, eggs, transportation services (motor bike), and personal business-as an extra source of income.

He stated what is most enjoyable about farming: 'Better profits.' His biggest challenge is 'Insufficient capital.' Animals on the farm have been given the name of 'Kanini.'

Tom was asked why he chose Juhudi Kilimo for this loan, to which he replied: 'They offer better services.' This client was also asked what was learned during Juhudi's required micro-finance training session: 'Savings are used as collateral.'

His highest monthly expense is family expenses. When asked 'How will this loan benefit his family', Tom replied 'it will improve their living standards by increasing their income.'

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Tom owns the following: a motorcycle, a cow, and poultry, but does not own a pig, pump, bicycle, 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, electricity, TV, and a DVD player, but does not have solar power, running water, or a sewing machine.



Loan details


Lenders and lending teams



Loan details