Kenya's dairy sector holds back women despite their dominant role in production

Women play a central role in Kenya’s dairy sector, handling most of the labour and holding 86% of cooperative memberships. Yet they face major barriers to ownership and leadership, leaving them without equal opportunities in the industry. A recent report highlights the challenges women dairy farmers encounter. Only 23% own titled land, and just 19% have documented cattle ownership. Without these assets, 65% of women cite lack of collateral as their biggest obstacle to securing credit.

Limited access to finance prevents many from investing in better breeds, quality feeds, or climate-resilient production systems. However, in Nakuru County, higher female land ownership has led to improved access to loans and financial services.

The report proposes solutions to address these gaps. It suggests introducing flexible lending models that accept livestock, milk delivery records, or group guarantees as collateral. A national Women in Dairy Credit Guarantee Fund and formal recognition of livestock as collateral are also recommended to expand financing opportunities. Unlocking finance for women in Kenya’s dairy sector could increase productivity and strengthen food security. Women already control 82% of dairy income in their households, which supports better nutrition, healthcare, and economic stability. Addressing these financial barriers would help accelerate inclusive growth in the industry.