Asset Financing to Smallholder Farmers:
Juhudi provides smallholder farmers with the capital they need to invest in farm machinery or other productive assets, on terms compatible with agricultural production. These financial services enable the rural poor to increase their productive assets, thereby increasing the households’ productivity and income for the long term. Assets financed include dairy cows, poultry, artificial insemination equipment, cooling equipment, irrigation equipment, beehives and processing tools. Technical assistance linkages may include building skills such as basic bookkeeping and accessing market information, or may focus on asset-specific technical training.
What’s special about Asset Financing?
•    Less risk – actual asset may be repossessed in default  
•    Cost effective - less tightly regulated
•    Regular cash flow – all assets financed are intended to have regular cash flows attached for better loan repayments
•    Economic impact – productive assets provide growth opportunity
Future Asset Financing to Rural Enterprises:
Juhudi is expanding its product line to serve larger rural businesses among the estimated 1.8 million micro, small and medium enterprises existing in Kenya. Juhudi seeks to increase its social impact while growing and diversifying its portfolio by fostering and offering expanded services to rural enterprises. These wealth-creating businesses introduce engines of income generation to their communities, providing employment as well as needed services and demand for inputs. By offering financial services paired with direct technical and business assistance, Juhudi will provide key support to this underserved class of enterprises and would be able to expand its impact throughout agribusiness value chains, from smallholder production of raw products to processing plants and delivery services. Technical assistance linkages may include consultancies or staff training addressing financial management, market research, technology upgrades, and a range of other business needs.  The K-Rep Development Agency is currently pilot-testing rural enterprise financial products to businesses such as milk chilling plants and coffee wet processing mills.  Successful products are to be transferred to Juhudi for further development.