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HELLO WORLD! Meet Roda, 69, a hardworking entrepreneur running a mixed farming business on her five-acre piece of land in the North Rift Valley region of Eldoret, home to some of the world's finest marathon runners. After her husband passed on, she really values visits from her independent daughter who is the apple of Roda's eye.

Roda enjoys the beauty and health of her environmental surroundings as much as she does about raising dairy cows. She is constantly planting trees and cultivates a wide variety of flowers. When you visit her farm, you will notice various works of art within and around her home.

This will be Roda's fourth loan from Juhudi! She has always repaid on time. Roda gets by selling the milk her cattle produce. She is deeply passionate about dairy farming, and is so appreciative of the microfinance that helped her first empower herself to become an entrepreneur that she named her cows Juhudi and Juhudi Kilimo. Recently, however, one of the cows accidentally stepped into a pit and injured her leg while being led to pasture. Roda is devastated but remains optimistic and is hopeful that Juhudi will walk again soon.

Today, Roda is now in need of two additional cows to maximize use of her pasture. In the past, she has successfully serviced Juhudi Kilimo loans on time and is now requesting a new loan.

With your loan, Roda will sustain and improve her agricultural business activities. With the increased income, she dreams of saving enough to provide a secure future for her grandchildren.

Additional Information

More information about this loan

This loan is part of Juhudi Kilimo work with small-holder farmers in Kenya to finance purchase of dairy cows, agricultural equipment and other assets that create immediate cash flow. Many of the assets are insured to prevent devastating business losses, and targeted technical assistance is provided to farmers. This type of loan will go to existing successful small-holder clients who require higher loan amounts. The loans will be used to purchase multiple high-yield dairy cows, greenhouses, bio gas digesters and tractors. These clients have 3-5 years of successful loan repayment histories with Juhudi Kilimo. By funding this loan you are helping a farmer expand his or her business.

Important Information

To facilitate a partnership between Kiva and Juhudi Kilimo, K-Rep Group (Juhudi Kilimo’s 100% owner) has guaranteed Kiva funds in the event of institutional default. Lenders should be aware that the risk of borrower default remains borne by the lender.

About Juhudi Kilimo:

Juhudi Kilimo is a for-profit social enterprise working with small-holder farmers in Kenya to finance purchases of dairy cows, chickens, agricultural equipment, and other assets that create immediate cash flow. Many of the assets are insured to prevent devastating business losses, and targeted technical assistance is provided to farmers, from agricultural training to basic book keeping and local market research.


About Kenya

  • $1,800
    Average annual income
  • 1068
    View loans »
    Kenya Loans Fundraising
  • $47,240,875
    Funds lent in using Kiva
  • 87.0
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $3,475 helped Roda to buy two high production dairy cows.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 8, 2014
Apr 26, 2014
Currency Exchange Loss:
Sep 17, 2015