A loan of $9,825 helped to pay for a PhD in business administration and management with a concentration in entrepreneurship at the Kenya Methodist University.


Shadrack's story

"My name is Shadrack. I work in the Finance Department for Juhudi Kilimo, an agricultural micro finance institute in Kenya. Previously, I worked for Turame Community Finance, in Burundi as the Finance and Administrative Director. I have been in the micro finance industry for over 12 years and I like the industry because this is where poverty, food security and health issues are well addressed. I am the first born in a family of nine, married and I have three children who are in school. When I finished high school, I started my career in accounting and managed to educate my siblings from the salary. I did so because my mother had minimum resources to educate them. After they all finished high school training, I decided to go back to school to pursue a degree in finance and later pursued my MBA, both of which I financed through bank loans. I am motivated to do a study related to the factors hindering financing for rural, small-scale farmers. I believe that this study will highlight the gaps in agricultural financing and will give practical recommendations on how financial institutions could provide appropriate financial and nonfinancial services to rural farmers in Kenya. I hope to bring the study results back to Juhudi and align it with the business growth strategy for the next four to five years. I also hope to be able to share the findings of my research with other Kiva partners in order to improve the financial product design at other MFIs to benefit loan recipients in the region. "



Loan details


Lenders and lending teams




Loan details