A new report reveals that thousands of women in Kenya's dairy industry are being stifled from growth due to a lack of formal financing, primarily caused by limited ownership of land and assets.

• 65 percent of women dairy farmers cite lack of collateral as their biggest barrier to accessing credit.
• The Kenya National Women in Dairy Report 2026, commissioned by the Kenya National Farmers’ Federation (KENAFF), highlights that only 23 percent of surveyed women own titled land and 19 percent own cattle.
• Experts suggest alternative lending models, such as recognizing livestock and milk delivery histories, and advocate for reforms to formally recognize livestock as collateral.