Juhudi’s clients support each other through solidarity loan groups and also co-guarantee each other’s loans. The groups form and function independently and are led by client representatives—a chairperson, secretary, and treasurer—but have strong support and oversight from a Juhudi loan officer. Groups meet monthly to make loan repayments, pick up checks, and discuss business challenges and ideas. They are also often a forum for product demonstrations, technical training, internal merry-go-round loans, and any other useful activity.
The Busara Self-Help Group formed in 2008 with over 20 members and nearly the same farmers remain. They meet one morning each month under the shade of a tree on the grounds of one member’s homestead. From a table made from an old piece of wood, the chairperson leads the group in a discussion. The treasurer then carefully records payments, including 20 shillings from any member arriving late. (A missed meeting can cost you as much as 100 shillings.)
Though most speak Kikuyu, they gave themselves a Swahili name meaning Integrity. Their aim was to become dairy farmers and most are on to their second loans from Juhudi. Each have used their loans to add high-yield dairy cows to their farms. As a group they estimate that they produce over 6000 liters a month so they have begun organizing to sell their milk cooperatively. Together, they can purchase a chilling plant, sell in bulk, and negotiate for better prices. Their loan officer John has also been encouraging them to diversify beyond dairy.
Once business is over, the group prays together and shares tea and bread before heading back to work. If one farmer is trying something new, he can definitely expect visitors from the group at his farm before the next meeting.
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