Our mission is to elevate the quality of life for rural smallholder farmers and enterprises by providing wealth creating financial solutions for agribusiness.
Each farmer plays a huge role in the success of Juhudi. Each day we learn more from them and learn how to serve them more effectively. And each day, our bond grows tighter. Here are just a few stories from some of the 1,000s of farmers we partner with each year.
Type: Maize, livestock
For much of his early farming career, Joseph was a peasant farmer planting maize on his family land in Suneka, Kisii. In 2004, His desire to increase his yields using more than just dependency on seasonal rains made him search for assistance from financial institutions. It was then that he was introduced to JuhudiKilimo where he was enrolled. His business success began when he applied for his first loan of ksh15,000 which was used for expanding his acreage. He then applied for a few more loans after clearing his first one. The ambitious farmer diversified his business by buying a dairy cow, a housing unit for the animal, a posho mill, two power saws, tree stands, two motorcycles and a fully installed video hall with a digital TV.
Joseph is currently supplying timber for construction companies and hiring out his power saws as his main business. He considers this his most valuable investment as continues with crop and livestock farming which he expanded by buying more land to plant sugarcane. He also plans to set up elaborate zero grazing units.
Type: Dairy, maize
Simon has spent a large part of his life farming. He is well known for selling tree seedlings, a business that made him highly regarded by the Kenya forestry officers. In 2004, he ventured into dairy farming but the yields were not as satisfying as expected. Determined to venture into horticulture, he applied for a loan of ksh 20,000 from JuhudiKilimo. The money was used for buying a cow and a calf, which he later on sold for other animals. He applied for more loans to lease a piece of land, develop the housing unit and feeding unit for his cow, buy tree seedlings, maize, fertilizer and cows.
Simon is currently fetching great returns on his investment. The yields from his dairy farming are now satisfying. He supplies about 20 liters of milk to his neighbors daily and sells the remaining to hotels in Kisii town. He generates enough to pay his loans, educate his children and save. He plans to improve the housing unit for his animals to a brick walled house with cemented floor and install a biogas plant.
Type: Tea, dairy
A mother of four from a small village in Nyamira, Jackeline is a hardworking smallholder farmer who was drawn to growing tea and keeping dairy cattle for profitability. Her first encounter with JuhudiKilimo was a referral by Heifer International in 2009. She enrolled, trained and applied for her first loan of Ksh 40,000 which was used for Tea planting. Her desire to diversify in farming and increase her yields motivated her to apply for more loans which she used to buy dairy meals, cow feeds and other supplements. She later on applied for more loans to purchase a heifer and expand the size of her dairy operations.
Her efforts are now paying off as she is able to feed and educate all her children from the income generated by her business. She acknowledges that she owes much of her success to JuhudiKilimo and she would not have been able to educate her children without their assistance.
Regina, a dedicated mother and dairy farmer, first heard about JuhudiKilimo in 2007 through a referral. She then saw an opportunity to improve her business by enrolling and applying for financial assistance and together with four other people, they formed a group which later on expanded to 15 members. With her first loan of ksh 30,000, she bought a cow and feed. The cow generated enough income for her to clear her debt and like any other farmer who strives for maximum yields and returns, She the applied for more loans. This enabled her to expand her business through purchasing a chaff cutter, leasing a farm growing grass and installing a biogas plant.
Regina is currently surviving on dairy farming. Her business has grown since she joined JuhudiKilimo. She always refers other subsistence farmers who are interested in achieving similar levels of success to the institution.
Type: Dairy, tea, fodder, banana
Sylvia has been a subsistence farmer for as long as the people in her home area can remember. In 2008, she was referred to JuhudiKilimo by a family friend. Determined to uplift herself from the struggles that are associated with farming with limited access to financial services, she took interest in the company and learnt how they could be of great benefit to her business. This led her to gathering people like her, who are interested in expanding their agricultural operations. She was enrolled and her first loan of ksh 29,200 was spent on irrigation pipes. Sylvia saw more growth potential in her business and applied for other loans to expand her tea and fodder farming and also set up a biogas plant, acquired 2 dairy cows and 10 pigs.
She currently has 7 dairy cows, 3 calves and sells piglets. Sylvia’s plan is to venture into poultry farming. And purchase a generator for her egg incubator. She also intends to purchase a biogas tube to store the fuel.
Everline, a wife, mother and subsistence farmer joined JuhudiKilimo after an introduction by a friend who shared similar interests in providing food and education for their children, a challenge most women in the rural areas face. The two strong-willed women joined a group, went through training and once they were approved, applied for financial assistance. Everline used her first loan of ksh 50,000 to buy a dairy cow. The income generated was used to pay back her loan and expand her business. She planted Napier grass and Boma Rhodes for feeding the cow. She also acquired a chaff cutter for feeder preparations.
Everline constructed a store to store the Napier chops for her animals. She says all they needed was assistance to start up their businesses. Her friend also sells milk to the schools her children go to and she has 6 cows at the moment. Together, they encourage farmers with clear and feasible business plans to apply for loans.
Type: Poultry, dairy
Irene joined JuhudiKilimo through a group, Litein Happy SHG, whose main objective was to encourage each member to start a small agricultural business that would generate enough income to provide for the family’s needs. She realized that the demand for eggs was high then chose poultry farming. She applied for a loan of ksh 40,000 for the purpose of brooding chicken. She purchased 100 day old layer chicks at Ksh.100 each and built a small house for them. At five months, they started laying eggs and had a 90 % production. She was able to pay her loan fast enough to apply for another one which she used to buy more chicken and construct a better house for them.
After some time, Irene diversified her business. She bought a dairy cow, set up a hotel that consumes some of her eggs and broilers, then installed a biogas plant to help her reduce the consumption of charcoal and firewood. Irene now owns 3 dairy cows, 200 broiler chicks and 200 layers. She plans to construct a greenhouse and upgrade her dairy unit to a full zero grazing unit.