This includes any of the following enterprises.  This is not an exclusive list.

Loans for Purchasing of dairy animals
This is a special product targeting farmers who want to own good quality dairy animals, construct zero grazing units, purchase of chaff cutters, construct biogas units, etc.  The farmers can approach K-LIFT either as individuals, member of a Co-operative Society or groups of farmers:-

As Individuals

1. To buy 1-3 animals (max. Kshs.200,000/=)
2. Loan must be in form of animal(s)
3. Animals to be certified by a qualified veterinarian on:
       Health status – all body systems
       Not more than 2 calvings
       In-calf or milking
       A producer of minimum of 20 lts of milk per day (Records availability or registration in stud book).
4. Loan secured through title deed.
5. Interest rates are competitive.
6. Payment period – a maximum of 36 months.

 

Farmers in a Group/Co-operative Societies

1. Minimum of 15 Farmers in the group.
    Group must have been in existence for minimum of 6 months and registered with Ministry of Social Services.
2. To buy 1 or 2 animals (Max. Kshs.100,000/=).
3. Farmers must contribute 10% of the value of the animal(s) upfront.
4. Loan must be in form of animal(s)
5. Animals to be certified by a qualified veterinarian on:
       Health status – all body systems
       Not more than 2 calvings
       In-calf or milking
       A producer of minimum of 20 lts of milk per day (Records availability or registration in stud book).
6. Applicant, a registered member of the group or Dairy Co-operative Society and selling milk through the Co-operative or through the group.
7. Loan recovery through a check-off system from the Co-operative Society/group.
8. Animals must be ear tugged, photographed and insured with CIC (K-LIFT to arrange).
9. Group must ensure proper animal health care.
            Access to a qualified animal health service provider.
            Access to a dip or have his/her own acaricide spraying pump.   
10. Loan can be secured through group guarantee.
11. Co-operative Society or group to enforce this guarantee (No sale of animal before loan is repaid, milk must be delivered through the Co-operative Society or group).
12. Interest rates are competitive.
13. Payment period – a maximum of 24 months.