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


Henry's story

Henry lives in the Eldoret area of Kenya, which is a primary milk-producing area. He has five children and has been doing this work for 15 years. His primary income is derived from selling milk, eggs, crops, transportation services and personal business.

He stated what is most enjoyable about farming is "earning from agriculture." His biggest challenge is "access to funds." Animals on the farm have been given the names of "Tuiyo."

Henry was asked why he chose Juhudi Kilimo for this loan, to which he replied that he knew about juhudi kilimo through a group member. This client was also asked what was learned during Juhudi's required micro-finance training session. His reply was, "I learned how to work in a group to boost one's income."

Henry's highest monthly expense is business-related. When asked how this loan will benefit his family, Henry said that it will boost his dairy-farming.

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Henry owns a cow, poultry and motorcycle. But he 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 but does not have electricity, solar power, running water, sewing machine, TV or DVD player.



Loan details


Lenders and lending teams




Loan details