Juhudi Kilimo

Agricultural asset financing and training




About Juhudi Kilimo

Juhudi Kilimo provides rural smallholder farmers with a unique type of micro-asset financing to purchase agriculture assets such as dairy cows, poultry, greenhouses and biogas digesters.  These assets generate income for the farmers and also act as collateral for the loans. The asset financing allows Juhudi Kilimo to work in the poorest rural communities in Kenya where little business activity or collateral exists. The micro-asset loans dramatically improve both income and food security for the farmers. For example, a farmer can take a loan for a high-yield dairy cow which will generate enough milk in 12 months to pay for the cow, the interest on the loan, the training, and still leave the farmer with extra income and milk to benefit a family. Once the loan has been repaid the farmer will own the asset and after several loans they can build an entire asset base which can double and triple the farmer’s income.

As Juhudi Kilimo we have a common goal with B Corp. We want to share how social businesses are addressing major challenges and serving clients. The B Corp certification lets us tell a little of our story, be compared to other social businesses, and benefit from access to services that are normally only available to non-profits.

Juhudi maximizes the benefit of asset financing by providing both technical assistance and business training. Prior to each loan, officers visit the client's farm to perform a business assessment and advise on improvements. The first four meetings of a new group are then devoted to training clients on basic finance and business. After a loan is approved officers give continued support, working with partners and local government ministries to offer targeted technical assistance on assets. To best serve rural clients, Juhudi also uses mobile technology to collect payments and feedback and reduce the burden on clients and loan officers in these remote areas.

Since inception in 2009, Juhudi Kilimo has provided a total of 20,120 farmers with loans worth $11.7 million. The average on-time repayment rate over the last four years has stayed at 95%.  Juhudi Kilimo was recognized in 2011 at the World Economic Forum with the Social Entrepreneur of the Year Award and then in 2012 by the Citi Foundation’s Microfinance Awards in Kenya.  In 2012 Juhudi Kilimo reached profitability with the support of its current investors and lenders such as the Acumen Fund, Grameen Foundation, Soros Economic Development Fund, Ford Foundation, Rockefeller Foundation and Kiva.


The Change We Seek®

Rural asset financing is an innovative approach to both poverty alleviation and food security in Kenya. It provides smallholder farmers with access to wealth-creating assets (such as cows or irrigation systems) that generate the income required to repay small loans and improve food yields on the farms. Asset financing differs from micro credit in that the loan is linked to a specific incoming-generating asset, as opposed to a general loan that could be used for consumption or emergency funding. Asset financing's cost-effective advantage over conventional loans enables Juhudi to offer its clients lower interest rates, staggered payments, and longer repayment periods that align with the client's sales performance.

What makes us a better company?

B Impact Report

Certified since: 

November 2011

Company Score

Median Score*



The Environment section of the Assessment evaluates a company's environmental performance through its facilities; materials, resource, and energy use; and emissions. Where applicable, it also considers a company's transportation/distribution channels and environmental impact of its supply chain. This section also measures whether a company's products or services are designed to solve an environmental issue, including products that aid in the provision of renewable energy, conserve resources, reduce waste, promote land/wildlife conservation, prevent toxic/hazardous substance or pollution, or educate, measure, or consult to solve environmental problems.



The Worker section of the survey assesses the company's relationship with its workforce. This section measures how the company treats its workers through compensation, benefits, training, and ownership opportunities provided to workers. It also focuses on the overall work environment within the company through management/worker communication, job flexibility and corporate culture, and worker health and safety practices.



The Customers section of the Assessment measures the impact a company has on its customers. The section focuses on whether a company sells products or services that promote public benefit, and if those products/services are targeted towards serving underserved populations. Questions in this section will measure whether a company's product or service is designed to solve a social or environmental issue (e.g. improves health, preserves environment or creates economic opportunity to individuals or communities, promotes the arts/sciences, or increases the flow of capital to purpose-driven enterprises).



The Community section of the survey assesses a company's impact on its community. The Community section evaluates a company's supplier relations, diversity, and involvement in the local community. The section also measures the company's practices and policies around community service and charitable giving. In addition, this section includes if a company's product or service is designed to solve a social issue, including access to basic services, health, education, economic opportunity, arts, and increasing the flow of capital to purpose-driven enterprises.



The Governance section of the Assessment evaluates a company's accountability and transparency. The section focuses on the company's mission, stakeholder engagement, and overall transparency of the company's practices and policies.

Overall B Score

80 out of 200 is eligible for certification

*Of all businesses that have completed the B Impact Assessment

*Median scores will not add up to overall

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Company Highlights: 

Environment: Uses systems to monitor and improve air quality at offices; Employs energy saving strategies at offices; Buildings have systems to increase water efficiency

Employees: Employees receive disability coverage, life insurance, dental insurance and retirement plans; Provides employees with skills-based training

2014 Best for the World Overall Honoree



• "B Corps Go Global" on PaperBlog.com Go»

• "Bridging the Gap" on Acumen Fund Blog Go»

The International Bank of Bob on Kiva.org Go»