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Hello Kiva Lenders! Meet Janet, a 38-year-old smallholder farmer from Kenya. She is a wife and a mother of two lovely school-going children. Janet, born 3rd in a family of 8, has described her upbringing as challenging. For this reason, she is doing everything in her power to provide her children with a better foundation. Juhudi Kilimo is partnering with Kiva and Kiva lenders to help aspiring women farmers like Janet to turn their farming dreams into reality through training and loan / asset financing.

Janet owns 0.8 acres of land in Kaptumo, near the town called Nandi Hills. On the farm, she keeps five dairy cows and 132 chickens. She also grows tomatoes for both family consumption and to sell in the market. Many trees are planted around her home along with flowers and various works of art. It is obvious that Janet is very passionate about the health of the environment and the beauty of her surroundings.

Janet has been farming for the last five years. She has made great strides and started an agro-shop that gives farmers in the village access to necessary farm supplies. She has employed three people to help run her small business.

She is very active member of a small group of fellow smallholder farmers who empower each other to become better entrepreneurs. She is also up to speed with the latest technology: She accesses the internet regularly and she uses MPESA services to transfer money through mobile phones.

However, Janet still faces a number of challenges. Many women in Kenya are responsible not only for producing food but also feeding their families. For women like Janet, having access to financial resources through Juhudi and Kiva will increase their productivity and improve their future.

Janet is seeking a loan to construct a dairy unit, to purchase more stock for her agro-shop, and to grow tomatoes. The financial benefits she will reap from the loan are almost immediate. Janet has successfully cleared Juhudi Kilimo loans in the past on time. From her loan appraisal, Janet is disciplined with money - She updates her budget on a monthly basis, tracks every income and expense and approaches new business opportunities with caution.

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
  • 872
    View loans »
    Kenya Loans Fundraising
  • $47,090,675
    Funds lent in using Kiva
  • 87.6
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,300 helped Janet to construct a cowshed, purchase inventory for her agro-shop and grow tomatoes.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jul 30, 2014
Jul 5, 2014
Currency Exchange Loss:
Nov 17, 2015