A loan of $775 helped to purchase a dairy cow.


Charles's story

Charles lives in the Kericho area of Kenya, which lies in the tea growing region of Kenya. He has 4 children and has been doing this work for 10 years. His primary income sources are milk, eggs, crops, and transportation services. He stated what is most enjoyable about farming: 'Dairy farming.' His biggest challenge is: 'Market price is low.' Animals on the farm have been given the name of 'Keroi.' Charles was asked why he chose Juhudi Kilimo for this loan, to which he replied: 'it offers their loans at a low interest rate.' This client was also asked what was learned during Juhudi's required micro-finance training session: 'how to develop a consistent savings culture.' His highest monthly expenses are farming costs. When asked 'How will this loan benefit his family', Charles replied: 'The family will have better living standards due to the increase in income.' Charles owns the following: a cow, poultry, and a motorcycle, but does not own a pig, a pump, a bicycle, or an 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, a sewing machine, a TV, or a DVD player.



Loan details


Lenders and lending teams



Loan details