Women Enterprise Fund

Public accountability statement

Public accountability statement

enya subscribes to the international

communitys commitment to the realization
of the MDGS by 2015. Towards this end, the
government established wef (the fund) towards
the end of 2007 as a flagship project under the
social pillar in the vision 2030, to champion the
realization of the 1st & 3rd MDGs on poverty
reduction and gender equality and women
empowerment.
The Fund commenced operations in earnest in
2008. After five years of operations, and with only
three years left to the MDG deadline, it is useful for
the Fund to give Kenyan tax payers a score card so
that they can judge the Board and Management
on their stewardship and impact.
The Funds operations are decentralized up
to the constituency level as far as devolution
is concerned. It is worth noting that the Public
Financial Management Act, 2012, categories the
Fund as a National Fund.

The Role of WEF towards Vision 2030

The goal of the government in the Vision 2030
regarding women is to reduce gender disparities
by making fundamental changes in four areas,
namely: opportunity, empowerment, capabilities
and vulnerabilities. These changes are aimed at
increasing womens access to education, training,
capital and other productive resources.
WEF has been in the fore front to address these
issues through facilitating access to finance and
other business development services to women
entrepreneurs, including capacity building and
facilitation of access to business linkages among
others.

The mandates
The Fund was established through a Gazette
Notice and assigned five mandates, namely:
1. To Promote access to affordable credit to
women entrepreneurs
2. To build the capacity of women entrepreneurs
in business management skills (financial
literacy)
3. To promote domestic and international
marketing of goods produced by women
owned enterprises
4. To support and facilitate development of
infrastructure like decent workspaces and
incubation for women owned enterprise
5. To facilitate and support linkages between
women owned enterprises and big corporate,
for markets and technology transfer
The mission is to mobilize resources and offer
access to affordable credit and business support
services to women entrepreneurs, and the
Vision is to socially and economically empower
Kenyan women entrepreneurs for economic
development

Rationale for setting up the

Fund Why Women?
Women constitute a population of slightly
over 50%.
Women in Kenya have been marginalized
from accessing economic resources and
opportunities.
Economic and social development of a
country cannot be achieved when more than
half of its population is at the periphery.

Funding
Since inception, the Fund has continued to rely
on the Treasury for financial support. The annual
allocation has been as follows:

Year

2007/08

2008/09

Amount Ksh.
Million

1000

350

women who had been excluded from the formal

financial sector since independence. The Fund
prides itself for having women beneficiaries in
every constituency in this country.
Some independent studies on the impact of the
Fund demonstrate that the institution has been
faithful to her mandates. Examples of such studies

2009/
10
400

Scorecard on each mandate

As at the end of January, 2013, the Fund has
recorded the following achievements

Mandate
Promotion of access to affordable credit
capacity building in business management skills
Promotion of domestic and international marketing
Promotion of linkages with big companies
Facilitate development of decent workspaces
Sensitization on formation of cooperative societies(
capacity building)

2010/
11
390

2011/12

2012/13

totals

350

176

2666

When you empower a

Woman, you empower a
Family and a whole Nation
Performance Indicator
number of borrowers
Number trained
Number trained/facilitated
Number Linked
Number facilitated (Consultation with
like- minded stakeholders on going)
Number trained

Totals
614,414
164,886
310
1,338
8
8,285

Sectoral Distribution of Funding by Women Borrowers

1
2
3
4
5

SECTOR
TRADE
MANUFACTURING
SERVICES
AGRICULTURE
OTHERS
TOTAL

NUMBER OF GROUPS FUNDED

5,418
1,314
1,023
15,048
320
23,123

PROPORTION
23%
6%
4%
65%
1%
100%

From the Treasury receipts of shSh.2.6 billion, the Fund has been able to disburse loans amounting
to Ksh. 3.0 billion benefiting over 614,414 women entrepreneurs in 210 constituencies.

How to access the WEF Loans.

and their findings are:

There are two channels:

a) Constituency Women Enterprise Scheme,
also known as Tuinuke Loan has the following
features:
The loan is interest free, with only 5 %
administrative fee and is repayable within
one year with/after 3 months grace period.
Loan applications forms are available for
free from the District Gender and Social
Development offices (DGSDO) countrywide,
the Funds Regional Offices based at all
provincial headquarters, the Funds Head
Quarters at NSSF building Eastern Wing,
block A on 11th, 12th and 14th floors and
can also be down loaded from website,
www.wef.co.ke.

1. Rapid Assessment of the Fund 2009 by

Rhino Consultants funded by UNIFEM revealed
that:
a) WEF is one of the few financial service
providers for genuine micro clients left in the
market.
b) WEF documentation shows sensitivity to
poverty and gender related obstacles for
accessing loans
c) Women have increased their income,
displayed frugality as regards management
of resources, and are well-experienced in
the economic or monetary activities of their
preference.

b) Financial Intermediary Partners (FIS) also

known as Jiimarishe Loan and has the following
features:
The loan is given to individual women,
Self Help Groups or companies owned by
women at an affordable rate of interest of
8% per annum on reducing balance.

Has the Fund lived the purpose

for which it was established?
The preceding figures are a clear testimony that
the Fund has recorded remarkable achievement
in promoting access to affordable credit to

2. Appraisal for Women Enterprise Fund 2009

by FIDA revealed that:
a) Women beneficiaries reported a surge
in business, increased volumes & sales,
employment creation and accelerated loan
repayment.
b) Proceeds from WEF loan assisted business
projects has had a direct impact on the
quality of healthcare sought by most group
members either for themselves, or their
families.
c) Poverty has decreased as many homes are
now able to supplement their incomes with
earnings from WEF assisted businesses.
d) Markets for agricultural produce and other
commodities have expanded.

3. Baseline Survey 2010 by The National

Commission on Gender and Development,
revealed that:
a) The Fund was reaching disadvantaged
women and access to disadvantaged areas.
Most of these women could not raise
normal collateral required by formal financial
institutions but are now able to access C-WES,
(Constituency Women Enterprise Scheme).
b) It is evident that after the loan, diversification
of lines of business became more pronounced
with poultry rearing retaining its popularity
across the country, in both the rural and
urban areas.
c) Increased access to other markets: owing to
WEF loan assisted expansion, groups have
been able to reach out to distant markets
within the same regions, and beyond.
d) Access to better health care: some individual
group members did report an increased
ability to purchase basic healthcare for their
children without any financial reference to
their spouses.
e) Access to the WEF loan and the consequent
diversification into various agro-based
activities and businesses, enhanced linkages
with extension government officers on the
ground that advice and help women on
relevant activities have been established.
4. Impact Assessment Survey 2011 and by VAS
Consultants on no. 11 financial intermediary
partners in April 2011, revealed that:
a) Women beneficiaries have created decent
jobs for themselves, their families and
others.
b) Financial services provided by MFIs have
been decentralized with a view to attracting
and tapping savings made by women. This
has helped bring closer to the people other
relevant banking services.
5. Micro, Small and Medium Enterprise Growth
and Innovation: Research Evidence Based
Policy Brief 2012 by the Kenya School of
Government and Strathmore Business School
revealed that:
a. There is positive growth among women
owned enterprises at a level that could
meaningfully sustain businesses on the
growth path and spur innovation.
b. There is a positive growth among women
owned enterprises as demonstrated by
indicators such as business worth, turnover,
gross profit and number of employees.
c. Adoption of innovation by women owned
enterprises through introduction of new
products and in most instances frequent
innovations of the existing products.
d. Adoption of innovation in terms of services,
markets and source of raw materials was
gaining popularity among women owned
enterprises.

Some Women beneficiaries

had this to say about the Fund
(Success Stories)
Mutheu Self Help Group in Kitui County are
experts in commercialization of indigenous
chicken rearing and Marketing marketing at village
level with the aim of improved income and food
security. The group says that WEF has empowered
her members and this is evidenced through
improved poultry shelters within 18 households,
construction of a water Kiosk through cost sharing

When you empower a Woman,you empower a Family and a whole Nation

Continued on next page

Women Enterprise Fund

Public accountability statement
Continued from previous page

The returns from her businesses have assisted

her in educating her children and siblings, taking
care of her mother and providing for other daily
household needs. She has undertaken training
once from KIE offices. The training touched on how
to prepare budget, how to save, customer service
and record keeping.

with the Ministry of Water and Irrigation to a tune

of KSKshs. 15,000/= as profit from improved table
banking boosted by WEF loan and the ease of
access to loans through table banking.

Boarder Labalu is a Women Group in Homabay

County. They focus in dairy goat rearing and table
banking. WEF loan has enabled them to purchase
more goats for all her members who are widows.
Currently, they boost of No. 71 goats from the initial
of 2 goats. The returns from the milk has enabled
them focus on educating orphans, paying dowry
for their daughters in law and better still providing
better shelter for all the aged members in the
group. None of us has a grass thatched house as
we did before, we are now paying our second
loan said the chairperson.

Kavogoi Women Group-Kakamega County

We started the project of mushroom planting
farming when we got our first loan from WEF.
From the proceeds and a little boost from our
table banking we invested in a green house where
we have planted tomatoes for sale. So far the two
projects have given us good returns that we are
able to comfortably educate our children and meet
other financial obligations. We plan to expand the
green house with the third loan of Ksh. 200,000
to meet the market demand of our products.
Narrated the chairperson of the group.
Veronica Kimengich is an entrepreneur
in Nakuru County who is involved in agribusiness activities which include fish farming,
dairy farming, bee keeping, kitchen gardening,
biogas, water harvesting, mushroom farming
and poultry farming. The projects have inspired
many local women including various ministries
and stakeholders to visit her farm for field
demonstration. Mrs. Kimengich offers training to
women groups on self sustainability, agri-business
and community work. She is branded mama WEF
in Rongai constituency, since she prides in what the
Fund has done for herself and her group.
Mwakunde Women Group in Kilifi County is
operating a posho mill courtesy of the WEF funds.
The profits have enabled them to venture into
water business. People used to walk for long
distances to look for water and maize grinding
but they now all these is within. lamented on the
group members. The group is currently servicing
their 2nd loan of 100,000
In recognition of the Funds contribution towards
achieving the UN Millennium Development Goals
in Kenya in promoting gender equality and women
empowerment, the MDGs Trust Fund honored the
Fund the 2011 Achievement Award.

Milestones/Achievements
Nyariginu Project- in Laikipia County specializes
in tie and dye, batik, screen printing materials,
liquid soap, shampoo, juice and fireless jiko.
Before the WEF loan, we were unable to meet the
market demand since our customers ordered more
than our resources could support. Chairpersons
comment, Members of the group acknowledge
that WEF has seen them grow in leaps and bounds.
They acknowledge that the returns from the
business have assisted them in educating their
children and providing for their daily essential
household needs.

Saadia from Garissa County is in a business of

selling miraa and charcoal through the WEF loans.

1. To-date, KSsh.3 billion has been disbursed

through the CWES channel and the financial
intermediary partners to No. 614,414 women
borrowers in all the 210 constituencies
countrywide
2. The Fund has no.86 active financial intermediary
partners spread in all the 47 counties.
3. NoA total of .164,886 women have been trained
in entrepreneurship and business management
skills and formation of women owned
cooperatives.
4. WEF has recruited volunteers in all the no.210
constituencies countrywide
5. Use of mobile phones for loan repayments our
MPESA PAYBILL NO. 830880
6. Strategic Partnerships
a) Export Promotion Council (EPC), - Enhancing
women access to International Markets. (132
women entrepreneurs have been trained
on export trade and no.108 profiled and
assessed on export readiness and No.20
facilitated to attend International Trade Fair
in Dar es Salaam.
b) Kenya Bureau of Standards (KEBs), Facilitating certification of products. (No. 748
women have been sensitized)
c) Jomo Kenyatta University of Agriculture
& Technology (JKUAT), - Incubating grass
root women (No. 457 women trained on

incubating business ideas)

d) Ministry of Cooperative Development &
Marketing (MOCD&M)- Sensitization on
formation of SACCOs.(No. 8285 women
sensitized and 8 women owned SACCOs
registered)
e) Undugu Fair Trade Limited (UFTL) Facilitating market access and capacity
building of women entrepreneurs.
f) Hand in Hand East Africa (HiH EA) - Capacity
building of women entrepreneurs
g) International Labour Organization (ILO) &
UN WOMEN Strengthening Institutional
capacity development & capacity building
of women. (No 50 officers trained on various
training modules & 238 women trained on
how to access public procurement)
h) Social Impact Institute (SII) - Capacity
building of women entrepreneurs to
participate in public procurement.

Challenges
1. Low financial literacy by women borrowers
2. Lack of self confidence by women fear of
loans
3. Insufficient funds to cater for the high demand
4. Weather related factors e.g. droughts /
floods. Most of the WEF funds are invested in
agricultural related activities
5. Cultural / religious factors, e.g. women are
inferior, Islamic perception of interest e.t.c
6. Lack of suitable partners in hard-to-reach
counties (Turkana, Mandera, Wajir and West
Pokot)
7. Culture of free things from the Government

Lessons from the Fund to Kenyans

and the rest of the world?
For the short period of existence, the institution has
learnt many lessons that are useful in pushing the
frontiers of micro finance; enrich policy dialogue
on matters of financial inclusion, wealth and
employment creation and governance of public
institutions. These are:
1. Government interventions to address market
/ private sector failure is smart economics
- Governments should not be apologetic when
interfering with free market to address exclusion
and marginalization of segments of the
population. Majority of our women borrowers
from Kinango, Wajir, Turkana, Bura, Mbita, Kitui,
Nandi, West Pokot, etc. have never borrowed in
their lives, because formal institutions cannot
reach them.
2. Institutional design critical in mission
achievement-to promote equality and equity in
access to the Fund services, the institution has
decentralized her services to the constituency
level. Loan disbursement is driven by demand
and good repayment record.
3. Innovation and creativity-given the enormity
of the tasks at hand and with the resource
constraints, the Fund has been very creative to
the extent that only 9% of the annual budget
goes to salaries and operations. The Fund
introduced Volunteerism volunteerism and got
young men and women serving as credit officers
and trainers in every constituency. The Field
officers found in every provincial headquarters
also self drive themselves just to make sure
that money meant for poor women does not
go to pay salaries (this is the unusual business
approach).
4. Use of mobile phone technology-the Fund has
deployed M-PESA for loan repayments and uses
SMS to interact with women clients. Women
are able to receive their loan account statements

on their phones. This has saved them lots of

transactions costs previously used to travel to
the bank to repay loans.
5. Trustworthiness of ordinary women-Although
women just fill a simple loan application form
without the formal rigor in traditional banking
where one has to produce some records, etc,
women have faithfully serviced their loans and
the national repayment rate is approaching
90%. This is a remarkable achievement for a
country wide program. There is need for the
traditional lenders to review their loan appraisal
requirements to make them more friendly to
clients with low financial literacy
6. Public-public-NGOs-Private
partnershipfrom the very beginning, the Fund adopted
a partnership approach instead of trying to
reinvent the wheel and waste public resources.
This has enabled the Fund to leverage expertise
and knowledge for faster and efficient service
delivery to women.
7. Faithful stewardship-the Advisory Board of the
Fund has women as the majority drawn from
both the private and public sectors. They have
steered the institution in a very professional and
transparent way. The parent ministry led by the
Hon. Minister has been very supportive of the
Fund and that is why the Fund is never in the
news for the wrong reasons.

Conclusion
Women Enterprise Fund as a flagship project
established to promote Gender Equality and
Women Empowerment has demonstrated that
government intervention programs can succeed
in pursuing their mandates if the Board and
Management are committed and passionate
about their calling.
For a revolving Fund that covers the whole
country to record a loan repayment of about 90%
means that the poor women/men/youth do
not need free things or grants but rather, nonbureaucratic ways to access resources (BILA
MANENO PROCESSES). This is the only surest way
of pulling millions of our people out of poverty in a
very sustainable way.
No one, including governments has unlimited
resources to give freely to her citizens as a way of
empowering them. Institutions must be financially
sustainable/successful to be able to scale up their
operations and serve their clients now and in the
future.
We salute the Kenyan women who have
overcome the fear of borrowings and faithfully
serviced their obligations. You have made Kenya
proud in demonstrating to the international
community that the MDGs are achievable.

WEF CONTACTS
HEAD OFFICE

P.O Box 17126-00100, NRB ,

NSSF Building, Block A, Eastern Wing, 11th, 12th &
14th Floor,
Tel. +254 020 2727980-4,
Fax +254 020 2715258,
Cell: +254 0714-606-845: 0714-606-846
Email: info@wef.co.ke Website: www.wef.co.ke
For more information kindly call us or visit our
regional offices at the Provincial Headquarters in
Nairobi 0722932711/0734766958, Mombasa:
0724111754/0786495135; Kisumu:0729265619/0727
784262,Nakuru,0722513614/0723411793
Kakamega: 0722378843/0723377190, Embu:
0722508472/0729737726
Nyeri: 0720340939/0722332606 and Garissa:
0720529766/ 0724356237 or the District Gender and
Social Development Offices nearest to you.

When you empower a Woman,you empower a Family and a whole Nation

Women Enterprise Fund

Public accountability statement

County
1 Baringo

2 Bomet

3 Bungoma

4 Busia

5 Elgeyo Marakwet

6 Embu

7 Garissa

8 Homa Bay

9 Isiolo

10 Kajiado

11 Kakamega

12 Kericho

13 Kiambu

14 Kilifi

Constituency
BARINGO CENTRAL
BARINGO EAST
BARINGO NORTH
ELDAMA RAVINE
MOGOTIO
Sub-total
BOMET
CHEPALUNGU
KONOIN
SOTIK
Sub-total
BUMULA
KANDUYI
KIMILILI
MT ELGON
SIRISIA
WEBUYE
Sub-total
AMAGORO
BUDALANGI
BUTULA
FUNYULA
NAMBALE
Sub-total
KEIYO NORTH
KEIYO SOUTH
MARAKWET EAST
MARAKWET WEST
Sub-total
GACHOKA
MANYATTA
RUNYENJES
SIAKAGO
Sub-total
DUJIS
FAFI
IJARA
LAGDERA
Sub-total
GWASSI
KARACHUONYO
KASIPUL KABONDO
MBITA
NDHIWA
RANGWE
Sub-total
ISIOLO NORTH
ISIOLO SOUTH
Sub-total
KAJIADO CENTRAL
KAJIADO NORTH
KAJIADO SOUTH
Sub-total
BUTERE
IKOLOMANI
KHWISERO
LUGARI
LURAMBI
MALAVA
MATUNGU
MUMIAS
SHINYALU
Sub-total
AINAMOI
BELGUT
BURET
KIPKELION
Sub-total
GATUNDU NORTH
GATUNDU SOUTH
GITHUNGURI
JUJA
KABETE
KIAMBAA
LARI
LIMURU
Sub-total
BAHARI
GANZE
KALOLENI
MAGARINI
MALINDI

WOMEN ENTERPRISE FUND-PERFORMANCE PER COUNTY

No of groups
Disbursed Amount
Due Todate
Paid ToDate
funded
58
23
57
99
79
316
58
35
79
101
273
135
183
129
54
198
116
815
100
74
61
80
111
426
71
63
27
24
185
67
181
111
98
457
72
21
52
23
168
54
128
119
157
113
182
753
105
20
125
60
78
25
163
170
61
183
74
200
109
137
126
106
1,166
144
94
58
86
382
203
230
95
105
318
123
123
79
1,276
109
109
143
133
171

3,100,000
1,150,000
2,950,000
6,400,000
5,450,000
19,050,000
3,060,000
1,670,000
4,200,000
5,650,000
14,580,000
7,150,000
9,800,000
6,700,000
2,538,000
10,975,000
6,150,000
43,313,000
5,200,000
3,950,000
3,125,000
4,150,000
6,500,000
22,925,000
3,950,000
3,350,000
1,500,000
1,250,000
10,050,000
3,550,000
9,589,500
5,784,700
5,100,000
24,024,200
4,150,000
1,050,000
2,900,000
1,150,000
9,250,000
2,850,000
7,075,000
6,100,000
9,750,000
6,000,000
10,548,200
42,323,200
5,700,000
1,000,000
6,700,000
3,150,000
4,500,000
1,350,000
9,000,000
9,600,000
3,200,000
9,600,000
3,528,000
10,600,000
5,600,000
7,400,000
7,200,000
5,600,000
62,328,000
8,450,000
5,550,000
3,200,000
5,000,000
22,200,000
12,150,000
14,600,000
5,050,000
6,050,000
18,050,000
7,600,000
6,500,000
4,200,000
74,200,000
6,100,000
5,839,180
7,850,000
7,000,000
9,702,300

1,700,000
1,000,000
1,150,000
3,658,334
3,420,833
10,929,167
2,860,000
1,557,500
2,345,833
3,150,000
9,913,334
3,345,834
4,395,834
3,662,501
2,413,000
4,516,668
3,304,168
21,638,005
2,145,834
1,916,667
1,279,167
1,820,834
3,100,000
10,262,502
2,566,667
2,237,500
1,075,000
1,150,000
7,029,167
3,150,000
4,397,835
1,613,234
2,087,500
11,248,568
2,933,334
1,050,000
1,000,000
1,150,000
6,133,333
1,320,833
4,366,667
3,979,167
4,895,834
3,045,834
5,681,534
23,289,871
1,337,500
400,000
1,737,500
1,862,501
2,516,667
1,000,000
5,379,168
4,970,834
2,066,667
4,312,501
1,907,167
3,995,835
2,487,500
3,341,667
2,933,334
2,758,334
28,773,839
5,220,834
3,195,834
2,383,333
3,420,833
14,220,834
5,166,667
7,200,001
2,766,668
3,129,167
9,308,336
3,066,668
1,687,500
2,187,500
34,512,507
2,326,667
2,172,514
2,500,001
2,450,001
3,220,634

1,410,386
603,000
939,861
3,439,604
3,212,771
9,605,622
1,629,177
955,687
1,626,124
2,621,690
6,832,677
2,810,758
3,202,627
2,656,638
818,622
3,882,247
2,731,336
16,102,228
2,088,793
1,464,987
1,145,228
1,698,361
3,305,901
9,703,272
2,092,561
1,677,696
746,670
559,441
5,076,368
1,728,795
4,080,270
2,032,319
1,749,624
9,591,008
1,796,465
563,300
822,149
449,780
3,631,694
1,103,234
3,486,930
2,070,967
5,626,557
3,035,279
5,926,408
21,249,374
1,843,559
201,687
2,045,246
1,263,648
2,569,013
860,193
4,692,854
3,709,909
1,217,306
3,793,074
1,465,904
3,768,473
1,972,484
2,615,399
2,816,002
1,854,566
23,213,118
5,047,141
3,177,467
1,985,059
2,294,541
12,504,207
5,581,696
7,852,368
2,150,951
3,848,817
7,890,878
3,455,416
2,050,516
1,823,060
34,653,703
2,809,826
1,769,730
3,263,172
2,147,363
3,065,960

Loan Balance

Repayment rate

1,689,614
547,000
2,010,139
2,960,396
2,237,229
9,444,378
1,430,824
714,313
2,573,876
3,028,310
7,747,323
4,339,242
6,597,373
4,043,362
1,719,378
7,092,753
3,418,664
27,210,772
3,111,207
2,485,013
1,979,772
2,451,639
3,144,099
13,171,729
1,857,439
1,672,304
753,330
690,559
4,973,632
1,821,206
5,509,230
3,752,382
3,350,376
14,433,192
2,353,535
486,700
2,077,851
700,220
5,618,306
1,746,766
3,588,070
4,029,033
4,123,443
2,964,721
4,621,792
21,073,826
3,856,441
798,313
4,654,754
1,886,352
1,930,987
489,807
4,307,146
5,890,091
1,982,694
5,806,926
2,062,096
6,831,527
3,627,516
4,784,601
4,383,998
3,745,434
39,114,882
3,402,859
2,372,533
1,214,941
2,705,459
9,695,793
6,568,304
6,747,632
2,899,049
2,201,183
10,159,122
4,144,584
4,449,484
2,376,940
39,546,297
3,290,174
4,069,450
4,586,828
4,852,637
6,636,340

When you empower a Woman,you empower a Family and a whole Nation

83%
60%
82%
94%
94%
83%
57%
61%
69%
83%
68%
84%
73%
73%
34%
86%
83%
72%
97%
76%
90%
93%
107%
93%
82%
75%
70%
49%
69%
55%
93%
126%
84%
89%
61%
54%
82%
39%
59%
84%
80%
52%
115%
100%
104%
89%
138%
50%
94%
68%
102%
86%
85%
75%
59%
88%
77%
94%
79%
78%
96%
67%
79%
97%
99%
83%
67%
87%
108%
109%
78%
123%
85%
113%
122%
83%
103%
121%
82%
131%
88%
95%

Portfolio at Risk(PAR)
29%
73%
21%
35%
32%
38%
91%
89%
43%
39%
65%
35%
37%
51%
97%
34%
46%
50%
38%
40%
29%
39%
18%
33%
45%
52%
47%
86%
57%
79%
33%
10%
33%
39%
64%
100%
40%
100%
76%
30%
47%
65%
11%
36%
35%
37%
15%
25%
20%
49%
23%
30%
34%
49%
53%
34%
35%
34%
39%
43%
35%
53%
42%
44%
26%
40%
60%
42%
12%
10%
45%
24%
52%
12%
9%
29%
24%
23%
58%
10%
32%
21%

Women Enterprise Fund

Public accountability statement

15 Kirinyaga

16 Kisii

17 Kisumu

18 Kitui

19 Kwale

20 laikipia

21 Lamu

22 Machakos

23 Makueni

24 Mandera

25 Marsabit

26 Meru

27 Migori

28 Mombasa

29 Muranga

Sub-total
GICHUGU
KERUGOYA KUTUS
MWEA
NDIA
Sub-total
BOBASI
BOMACHOGE
BONCHARI
NYARIBARI CHACHE
NYARIBARI MASABA
SOUTH MUGIRANGO
Sub-total
KISUMU RURAL
KISUMU TOWN EAST
KISUMU TOWN WEST
MUHORONI
NYAKACH
NYANDO
Sub-total
KITUI CENTRAL
KITUI SOUTH
KITUI WEST
MUTITO
MWINGI NORTH
MWINGI SOUTH
Sub-total
KINANGO
MATUGA
MSAMBWENI
Sub-total
LAIKIPIA EAST
LAIKIPIA WEST
Sub-total
LAMU EAST
LAMU WEST
Sub-total
KANGUNDO
KATHIANI
MACHAKOS TOWN
MASINGA
MWALA
YATTA
Sub-total
KAITI
KIBWEZI
KILOME
MAKUENI
MBOONI
Sub-total
MANDERA CENTRAL
MANDERA EAST
MANDERA WEST
Sub-total
LAISAMIS
MOYALE
NORTH HORR
SAKU
Sub-total
CENTRAL IMENTI
IGEMBE
NORTH IMENTI
NTONYIRI
SOUTH IMENTI
TIGANIA EAST
TIGANIA WEST
Sub-total
KURIA
MIGORI
NYATIKE
RONGO
URIRI
Sub-total
CHANGAMWE
KISAUNI
LIKONI
MVITA
Sub-total
GATANGA
KANDARA
KANGEMA
KIGUMO
KIHARU
MARAGWA
MATHIOYA

665
73
147
124
80
424
104
252
84
59
79
121
699
294
227
238
89
148
96
1,092
278
137
219
109
98
122
963
132
122
99
353
148
114
262
23
89
112
137
137
140
70
82
93
659
71
120
60
91
66
408
36
27
23
86
16
53
31
43
143
93
30
173
79
148
29
20
572
152
325
130
232
316
1,155
130
98
44
82
354
253
151
116
42
157
62
137

36,491,480
3,899,000
7,900,000
7,550,000
4,290,000
23,639,000
5,700,000
13,600,000
4,600,000
3,130,000
3,950,000
6,650,000
37,630,000
15,900,000
13,200,000
14,550,000
4,550,000
7,750,000
5,000,000
60,950,000
14,735,000
7,260,000
11,240,000
5,480,000
5,753,000
6,800,000
51,268,000
6,400,000
6,600,000
5,400,000
18,400,000
8,700,000
6,450,000
15,150,000
1,250,000
5,200,000
6,450,000
8,200,000
7,100,000
7,450,000
3,550,000
4,400,000
5,380,000
36,080,000
3,728,000
6,600,000
3,200,000
4,341,000
3,200,000
21,069,000
2,000,000
1,550,000
1,300,000
4,850,000
800,000
2,800,000
1,600,000
2,238,000
7,438,000
5,350,000
1,260,000
10,150,000
4,150,000
8,450,000
1,450,000
992,000
31,802,000
7,650,000
16,250,000
6,500,000
11,900,000
17,600,000
59,900,000
7,000,000
5,650,000
2,400,000
5,150,000
20,200,000
13,150,000
8,055,000
6,250,000
2,100,000
8,600,000
3,305,000
7,058,000

12,669,816
1,586,500
2,150,001
3,737,501
1,577,500
9,051,502
3,120,833
3,154,167
2,291,667
1,838,333
2,000,000
2,162,500
14,567,501
8,229,168
6,150,001
7,108,335
2,137,500
3,125,001
2,200,000
28,950,005
5,322,501
1,747,501
2,810,834
1,375,000
2,678,000
2,872,500
16,806,337
2,825,001
3,575,001
4,133,334
10,533,335
4,033,334
2,512,500
6,545,834
1,216,667
3,891,667
5,108,333
4,620,834
4,825,001
4,466,667
1,000,000
2,137,501
3,209,167
20,259,170
3,123,834
2,416,667
1,366,667
3,528,501
2,716,667
13,152,335
1,287,500
1,075,000
975,000
3,337,500
800,000
1,000,000
1,450,000
888,000
4,138,000
2,237,500
1,072,500
4,350,001
1,362,500
2,850,001
1,437,500
992,000
14,302,003
6,900,001
8,245,835
4,495,835
6,679,168
6,020,835
32,341,673
2,504,167
2,404,167
2,045,833
1,591,667
8,545,834
5,700,003
3,321,668
4,320,834
1,525,000
4,387,501
2,171,667
4,070,500

13,056,051
1,448,564
2,905,497
4,182,798
1,898,211
10,435,070
1,646,310
3,727,362
2,232,889
1,545,168
1,200,356
1,957,245
12,309,328
6,497,590
7,416,375
8,153,313
1,321,860
2,636,785
1,852,981
27,878,904
5,167,072
2,071,031
3,291,898
1,609,809
3,370,189
3,293,942
18,803,941
2,320,643
2,870,919
2,752,601
7,944,163
4,746,318
2,932,158
7,678,476
646,208
3,073,312
3,719,520
4,701,032
3,067,773
3,884,363
870,293
2,194,031
2,614,130
17,331,622
2,264,055
2,101,948
1,314,216
2,972,168
1,982,392
10,634,779
797,799
710,086
434,495
1,942,380
535,489
830,600
883,996
979,613
3,229,699
2,829,811
515,163
5,982,315
1,014,045
3,783,440
552,714
443,968
15,121,455
2,351,295
5,521,505
2,370,239
4,749,937
6,721,893
21,714,870
2,460,735
2,752,979
1,663,204
2,387,580
9,264,497
6,857,909
4,291,682
3,310,539
1,211,029
5,146,411
2,069,497
3,704,350

23,435,429
2,450,436
4,994,503
3,367,202
2,391,789
13,203,930
4,053,690
9,872,639
2,367,112
1,584,832
2,749,644
4,692,755
25,320,672
9,402,410
5,783,625
6,396,687
3,228,140
5,113,215
3,147,019
33,071,096
9,567,928
5,188,969
7,948,102
3,870,191
2,382,811
3,506,058
32,464,059
4,079,357
3,729,081
2,647,399
10,455,837
3,953,682
3,517,842
7,471,524
603,792
2,126,688
2,730,480
3,498,968
4,032,227
3,565,637
2,679,707
2,205,969
2,765,870
18,748,378
1,463,945
4,498,052
1,885,784
1,368,832
1,217,608
10,434,221
1,202,201
839,914
865,505
2,907,620
264,511
1,969,400
716,004
1,258,387
4,208,301
2,520,189
744,837
4,167,685
3,135,955
4,666,560
897,286
548,032
16,680,545
5,298,705
10,728,495
4,129,761
7,150,063
10,878,107
38,185,130
4,539,265
2,897,021
736,796
2,762,421
10,935,503
6,292,091
3,763,318
2,939,461
888,971
3,453,589
1,235,503
3,353,650

When you empower a Woman,you empower a Family and a whole Nation

103%
91%
135%
112%
120%
115%
53%
118%
97%
84%
60%
91%
84%
79%
121%
115%
62%
84%
84%
91%
97%
119%
117%
117%
126%
115%
115%
82%
80%
67%
76%
118%
117%
117%
53%
79%
66%
102%
64%
87%
87%
103%
82%
87%
73%
87%
96%
84%
73%
83%
62%
66%
45%
58%
67%
83%
61%
110%
80%
127%
48%
138%
74%
133%
38%
45%
86%
34%
67%
53%
71%
112%
67%
98%
115%
81%
150%
111%
120%
129%
77%
79%
117%
95%
91%

29%
22%
8%
20%
16%
16%
39%
13%
22%
43%
43%
25%
31%
43%
23%
24%
37%
41%
46%
35%
30%
17%
18%
20%
5%
10%
17%
31%
36%
78%
49%
30%
16%
23%
96%
62%
79%
34%
66%
35%
18%
27%
39%
36%
80%
22%
27%
76%
85%
58%
47%
50%
65%
54%
100%
9%
80%
4%
48%
4%
85%
11%
16%
13%
100%
100%
47%
98%
44%
84%
49%
24%
60%
20%
30%
70%
8%
32%
21%
11%
62%
50%
24%
36%
24%

Women Enterprise Fund

Public accountability statement

30 Nairobi

31 Nakuru

32 Nandi

33 Narok

34 Nyamira

35 Nyandarua

36 Nyeri

37 Samburu

38 Siaya

39 Taita Taveta

40 Tana River

41 Tharaka Nithi

42 Trans-Nzoia

43 Turkana

44 Uasin Gishu

45 Vihiga

46 Wajir

Sub-total
DAGORETTI
EMBAKASI
KAMUKUNJI
KASARANI
LANGATA
MAKADARA
STAREHE
WESTLANDS
Sub-total
KURESOI
MOLO
NAIVASHA
NAKURU TOWN
RONGAI
SUBUKIA
Sub-total
ALDAI
EMGWEN
MOSOP
TINDERET
Sub-total
KILGORIS
NAROK NORTH
NAROK SOUTH
Sub-total
KITUTU CHACHE
Kitutu Masaba
N. MUGIRANGO BORABU
WEST MUGIRANGO
Sub-total
KINANGOP
KIPIPIRI
NDARAGWA
OLKALOU
Sub-total
KIENI
MATHIRA
MUKURWEINI
NYERI TOWN
OTHAYA
TETU
Sub-total
SAMBURU EAST
SAMBURU WEST
Sub-total
ALEGO
BONDO
GEM
RARIEDA
UGENYA
Sub-total
MWATATE
TAVETA
VOI
WUNDANYI
Sub-total
BURA
GALOLE
GARSEN
Sub-total
NITHI
THARAKA
Sub-total
CHERANGANY
KWANZA
SABOTI
Sub-total
TURKANA CENTRAL
TURKANA NORTH
TURKANA SOUTH
Sub-total
ELDORET EAST
ELDORET NORTH
ELDORET SOUTH
Sub-total
EMUHAYA
HAMISI
SABATIA
VIHIGA
Sub-total
WAJIR EAST
WAJIR NORTH
WAJIR SOUTH
WAJIR WEST

918
64
320
51
71
103
82
100
91
882
143
189
108
194
97
102
833
76
111
78
173
438
46
41
71
158
63
81
44
56
244
251
147
144
156
698
120
283
58
253
172
114
1,000
33
63
96
110
211
142
184
138
785
68
127
93
102
390
24
32
21
77
163
93
256
138
62
162
362
70
43
58
171
159
146
112
417
110
49
130
54
343
287
41
56
127

48,518,000
3,650,000
18,150,000
2,950,000
3,950,000
5,950,000
4,700,000
6,098,000
6,500,000
51,948,000
8,200,000
11,600,000
6,000,000
12,150,000
6,050,000
6,550,000
50,550,000
4,150,000
6,550,000
4,149,000
10,050,000
24,899,000
2,550,000
2,050,000
3,900,000
8,500,000
3,446,000
4,150,000
2,150,000
2,847,300
12,593,300
14,300,000
8,700,000
8,600,000
8,500,000
40,100,000
6,350,000
15,650,000
3,050,000
14,050,000
9,300,000
6,550,000
54,950,000
1,610,000
3,147,000
4,757,000
5,950,000
11,380,000
7,750,000
10,832,900
7,250,000
43,162,900
4,100,000
7,250,000
5,450,000
5,299,950
22,099,950
1,000,000
1,200,000
1,050,000
3,250,000
9,300,000
4,800,000
14,100,000
7,775,000
3,300,000
8,500,000
19,575,000
4,125,000
2,400,000
3,675,000
10,200,000
8,950,000
7,500,000
6,000,000
22,450,000
5,700,000
2,800,000
6,900,000
2,800,000
18,200,000
18,350,000
2,050,000
2,950,000
6,750,000

25,497,172
2,345,834
8,404,167
2,358,333
1,962,500
3,625,000
3,062,500
3,402,167
3,829,167
28,989,669
3,983,334
6,945,834
4,504,167
6,004,167
4,233,334
4,312,500
29,983,336
3,425,000
3,325,000
1,461,500
6,145,834
14,357,334
1,179,167
2,037,500
2,312,500
5,529,167
2,412,667
2,450,000
1,670,833
2,213,967
8,747,467
6,575,001
3,300,001
4,462,501
3,700,000
18,037,503
1,737,500
3,020,834
1,612,500
3,604,168
4,175,001
3,183,334
17,333,336
1,510,000
1,430,334
2,940,334
3,037,501
7,233,834
3,570,834
6,987,067
2,070,834
22,900,069
2,658,333
2,895,834
3,912,500
1,762,450
11,229,118
1,000,000
1,016,667
1,050,000
3,066,667
3,262,501
1,750,000
5,012,501
5,591,667
2,437,500
4,416,667
12,445,834
3,295,833
2,329,167
2,787,500
8,412,500
4,837,500
1,733,334
2,087,501
8,658,334
1,687,500
1,366,667
2,420,834
1,387,500
6,862,502
7,495,835
670,834
2,012,501
3,004,168

26,591,417
2,183,981
7,614,397
1,935,019
1,766,559
3,254,284
2,820,926
2,881,442
3,932,934
26,389,542
3,362,989
5,902,212
3,252,669
6,303,243
3,981,114
4,642,725
27,444,952
2,782,973
3,051,334
1,503,594
4,398,147
11,736,048
1,009,161
917,446
1,558,210
3,484,816
1,811,328
1,533,231
1,173,097
1,111,342
5,628,998
6,445,302
3,568,491
4,687,674
3,609,226
18,310,692
2,135,459
5,080,938
1,379,739
4,859,468
3,691,107
3,187,599
20,334,310
838,116
1,370,606
2,208,722
3,122,824
5,740,674
2,634,431
6,805,728
2,138,353
20,442,011
2,027,300
3,304,362
978,191
1,862,613
8,172,466
161,730
459,625
370,073
991,428
4,268,036
1,074,254
5,342,290
3,614,943
1,189,463
3,236,012
8,040,419
2,064,519
1,155,714
1,539,686
4,759,919
3,427,383
1,704,225
1,849,286
6,980,894
1,918,332
1,067,019
2,661,782
978,191
6,625,324
10,073,158
646,824
1,651,735
3,646,947

21,926,583
1,466,019
10,535,603
1,014,981
2,183,441
2,695,716
1,879,075
3,216,558
2,567,066
25,558,459
4,837,011
5,697,788
2,747,331
5,846,757
2,068,886
1,907,275
23,105,048
1,367,027
3,498,666
2,645,406
5,651,853
13,162,952
1,540,840
1,132,554
2,341,790
5,015,184
1,634,672
2,616,769
976,904
1,735,958
6,964,302
7,854,699
5,131,509
3,912,326
4,890,774
21,789,308
4,214,541
10,569,062
1,670,261
9,190,532
5,608,893
3,362,401
34,615,690
771,884
1,776,394
2,548,278
2,827,176
5,639,326
5,115,569
4,027,172
5,111,647
22,720,889
2,072,701
3,945,638
2,405,783
3,437,337
11,861,459
838,270
740,375
679,927
2,258,572
5,031,964
3,725,746
8,757,710
4,160,057
2,110,537
5,263,988
11,534,581
2,060,481
1,244,286
2,135,314
5,440,081
5,522,617
5,795,775
4,150,714
15,469,106
3,781,668
1,732,981
4,238,218
1,821,809
11,574,676
8,276,842
1,403,176
1,298,265
3,103,053

When you empower a Woman,you empower a Family and a whole Nation

101%
93%
91%
82%
90%
90%
92%
85%
103%
91%
84%
85%
72%
105%
94%
108%
91%
81%
92%
103%
72%
87%
86%
45%
67%
66%
75%
63%
70%
50%
65%
98%
108%
105%
98%
102%
123%
168%
86%
135%
88%
100%
117%
56%
96%
76%
103%
79%
74%
97%
103%
91%
76%
114%
78%
106%
94%
16%
45%
35%
32%
131%
61%
96%
65%
49%
73%
62%
63%
50%
55%
56%
71%
98%
89%
86%
114%
78%
110%
71%
93%
134%
96%
82%
121%

33%
38%
42%
72%
33%
44%
58%
46%
35%
46%
34%
52%
73%
30%
51%
20%
43%
77%
26%
17%
55%
44%
29%
100%
39%
56%
56%
58%
61%
78%
64%
36%
19%
34%
33%
30%
7%
7%
21%
17%
38%
26%
19%
91%
32%
61%
41%
55%
38%
34%
19%
37%
50%
19%
71%
18%
40%
100%
92%
100%
98%
7%
28%
18%
84%
66%
49%
67%
80%
100%
98%
93%
41%
17%
29%
29%
20%
44%
23%
33%
30%
21%
26%
55%
30%

Women Enterprise Fund

Public accountability statement

47 West pokot

Sub-total
KACHELIBA
KAPENGURIA
SIGOR
Sub-total
Grand total

511
25
52
15
92
23,123

30,100,000
1,250,000
2,500,000
750,000
4,500,000
1,275,714,030

13,183,337
1,116,667
2,200,000
750,000
4,066,667
632,629,817

WOMEN ENTERPRISE FUND

FINANCIAL INTERMEDIARY PARTNERS LOAN STATUS AND MAPPING IN COUNTIES -AS AT 31ST JANUARY 2013
Financial Intermediary
Total AlReleased
Repaid
Balance Counties served
location
In Millions Kshs
1 Aberdare Multipurpose Sacco
2 Adok Timo
3 African Women Foundation

10.00
25.00
4.00

5.00
20.00
2.00

0.00
0.00
0.00

4 ARDESC SACCO Society Ltd.

5 Baringo Teachers Sacco (Boresha
Sacco Limited)
6 Belgut Rural Women Sacco Ltd.
7 Biashara Sacco
8 Bingwa Sacco
9 Bondo Teachers Sacco
10 Bright Enriched Empowerment
Program(BEEP)

8.00
23.00

4.00
23.00

0.00
0.00

5.00 Nyandarua
20.00 Kisumu, Siaya, Homabay & Migori
2.00 Kisumu, Kitui, Makueni, Embu &
Nairobi
4.00 Nakuru, Baringo, Kericho & Bomet
23.00 Baringo

3.00
10.00
14.00
24.00
10.00

3.00
10.00
14.00
23.50
10.00

0.00
5.00
0.00
0.00
2.00

3.00
5.00
14.00
23.50
8.00

11 Business Initiative Management Assistance Service(BIMAS)

50.00

50.00

30.00

20.00

12 Butete Cooperative Sacco

13 Chase Bank

6.00
50.00

6.00
30.00

0.00
5.00

6.00
25.00

5.00

5.00

0.00

5.00

192.00

192.00

92.00

100.00

14 Cooper Motors
Cooperative(COMOCO)
15 Co-operative Bank

16 EEkuria SACCO Society Ltd.

17 Family Bank

18 First Community Bank

19 Foundation Savings and Credit
Cooperative Society
20 Fountain Enterprise Programme
Sacco Ltd.(FEP)
21 Golden Services Organization
22 Gusii Pensioners SACCO Ltd.
23 Indo Africa Finance Co. Ltd
24 Jamii Bora Bank

25
26
27
28
29
30
31

32
33
34

Jamii Sacco
Jisaidie Development Network
Jitahidi Development Organisation
Jiweze Women Development
Programme
Joyful Women Organization
Kapenguria Teachers SACCO
Keiyo South Women Empowerement
Network(Keiyo South District Table
Banking)
Kericho West District Table Banking
(Belgut Women Empo. org Services)
Kiamokama Tea Growers Sacco Ltd.
Kijito Development Project (Kijito
Kenya Limited)

1.50
223.00

1.50
183.00

0.00
121.00

1.50
62.00

Kericho
Nyeri
Kirinyaga
Siaya
Thika, Nakuru, Lamu, Kajiado, Kisii,
Bomet,
Tranzoia & Embu
Embu, Machakos, Muranga, Meru,
Nyeri, Kiambu, Kitui, Laikipia, kajiado,
Makueni, Tharaka Nithi, Nakuru &
Kirinyaga
Busia
Nairobi, Nakuru, Mombasa, Kisumu
& Thika
Mombasa, Kisumu, Nakuru, Nanyuki,
Meru, Trans-Nzoia & Uasin-Gishu
Nairobi, Mombasa, Kisumu, Isiolo,
Marsabit, Meru,Tharaka,Embu,Kitui,Ma
chakos,Makueni,Nyandarua,Nyeri,Kirin
yaga,Muranga,, Kiambu,Turkana, West
pokot,Samburu,Trans-Nzoia,UasinGishu, Elgeyo Marakwet, Nandi,
Baringo,Laikipia,Nakuru,Narok,Kaji
ado,Bomet,Kakamega,Vihiga,Bung
oma,Busia,Siaya,Kisumu,HomaBay,
Migori,Kisii,Nyamira, Garissa
Kiambu
Nairobi, Nyeri, Muranga, Kirinyaga, Kiambu, Kajiado, Nakuru,
Uasin Gishu, Laikipia, Nyamira, Kisii,
Kisumu, Migori, Nandi, Machakos,
Meru,Embu,Kakamega, Busia, Bungoma, Mombasa and Trans-Nzoia
Nairobi ,Marsabit,Wajir,Mandera,
Garissa,Mombasa,Nakuru & Kilifi
Bungoma, Trans-Nzoia, Nairobi

10.00

10.00

0.00

10.00

3.00

2.94

0.00

2.94

28.00

15.00

0.00

10.00
1.00
12.00
200.00

10.00
1.00
6.00
200.00

0.00
0.00
0.00
80.00

10.00
1.00
6.00
120.00

9.00
13.00
4.00
10.00

9.00
7.00
3.00
10.00

0.00
0.00
0.00
1.00

9.00
7.00
3.00
9.00

6.00
10.00
1.00

6.00
10.00
1.00

0.00
0.00
0.00

5.00

5.00

0.00

5.00 Kericho

15.00
5.00

10.00
3.00

0.00
0.00

10.00 Kisii
3.00 Kisumu

15.00 Nairobi
Mombasa
Kisii
Nairobi & Kajiado
Taita Taveta, Kwale,
Mombasa,Bungoma, Nairobi, Kakamega, Vihiga, Uasin Gishu , Kisumu,
Kericho, Bomet,Nakuru, Kajiado,
Laikipia, Migori, Homabay, Kitui,
Machakos,
Muranga and Kiambu.
Nairobi
Nairobi
Nairobi
Nakuru, Baringo & Uasin-Gishu

6.00 Uasin-Gishu, Nandi & Bungoma

10.00 Kapenguria, Pokot, Turkana
1.00 Elgeyo Marakwet

16,018,664
297,494
937,278
191,975
1,426,747
560,895,784

14,081,336
952,506
1,562,722
558,025
3,073,253
712,702,220

109%
27%
43%
26%
32%
89%

33%
99%
95%
100%
98%
35%

35 Kipsigis Teachers Sacco

36 Kisumu Centre Jua Kali Artisans
SACCO
37 Kisumu Teachers Sacco Ltd.
38 Koibatek District Table Banking
(Friends of Ravine Women Empo.
Org)Services
39 Kuria Teachers SACCO
40 Laikipia Teachers Sacco
41 Marakwet Teachers Sacco Society
Limited
42 Mathira Farmers Sacco
43 Mbeere North Multipurpose Co-op
Society Ltd.
44 Mefat Sacco Society Ltd.
45 Meru South Farmers Sacco
46 Migori Teachers Sacco
47 Milango Financial Services Ltd.
48 Moi-Nab Sacco Society Ltd.
49 Mombasa Teachers Sacco Society Ltd.
50 Mumias Sacco Society
51 Muramati SACCO Society Ltd. (UNITAS
SACCO LIMITED)
52 Naivasha Women Sacco
53 National Cooperative Housing Union
Ltd.

10.00
4.00

10.00
4.00

0.00
0.00

10.00 Kericho
4.00 Kisumu

20.00
6.00

20.00
6.00

0.00
0.00

20.00 Kisumu
6.00 Baringo

15.00
14.00
10.00

15.00
14.00
10.00

0.00
5.00
0.00

15.00 Migori
9.00 Laikipia
10.00 Elgeyo Marakwet

12.00
0.50

12.00
0.50

6.00
0.00

4.00
15.00
15.00
22.00
3.50
10.00
5.00
11.00

4.00
15.00
15.00
22.00
3.50
10.00
5.00
11.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

4.00
15.00
15.00
22.00
3.50
10.00
5.00
11.00

4.00
12.00

4.00
12.00

0.00
0.00

54 Necco Fosa
55 New Mugumu Jua Kali Sacco
56 Nyankoba Farmers Rural Co-operative SACCO
57 Nzoia SACCO Ltd.
58 Olmarel Lang Ltd.
59 Omoremi Rural Sacco
60 Pambazuka Merinaoh
61 Rafiki Deposit Taking Microfinance
62 Rongai Social Economic Women
Organization(ROSEWO)
63 Sabatia Constituency Development
Fund (SACODEF)
64 Siaya Teachers Sacco Ltd.
65 Small & Micro Enterprise Programme
Deposit Taking Microfinance(SMEP
DTM)

55.00
0.50
6.00

55.00
0.50
3.00

30.00
0.00
0.00

4.00 Nakuru
12.00 Nairobi, Nakuru, Nyeri,Embu,
Machakos, Meru,Kiambu,Kirinyaga,kaji
ado,Transnzoia, Kakamega, Bungoma,
Vihiga,Kisumu,Mombasa & Taita Taveta
25.00 Laikipia,Nyeri and Nyandarua
0.50 Nakuru,Laikipia and Nyandarua
3.00 Nyamira

5.00
5.00
27.00
2.00
4.00
10.00

4.50
5.00
22.00
2.00
4.00
10.00

0.00
0.00
12.00
0.00
0.00
0.00

4.50
5.00
10.00
2.00
4.00
10.00

6.00

6.00

0.00

9.50
130.00

9.50
130.00

0.00
70.00

3.00
6.00

3.00
6.00

0.00
0.00

4.00

4.00

0.00

60.00
7.00
5.00
1.00
6.00
12.00
5.00
8.00
1.50
12.00
8.00

45.00
4.00
5.00
1.00
6.00
12.00
5.00
8.00
1.50
12.00
8.00

25.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

20.00
4.00
5.00
1.00
6.00
12.00
5.00
8.00
1.50
12.00
8.00

Laikipia, Nyeri and Nyandarua

Taita Taveta, Kwale, Mombasa
Tana River
Nyeri
Meru
Meru
Trans-Nzoia
Trans-Nzoia
Kisii
Nairobi
Kiambu

10.00
10.00
25.00
40.00
1.00

10.00
10.00
25.00
40.00
0.64

5.00
0.00
10.00
5.00
0.00

5.00
10.00
15.00
35.00
0.64

Machakos, Makueni & Embu

Nakuru & Nyandarua
Kisii and Homa Bay
Nyeri and Nakuru
Bungoma

11.00
10.00

11.00
10.00

0.00
0.00

66 Sotik Katabgor Society Ltd.

67 South Imenti Credit Co. Ltd. (Sicco
Ltd)
68 Tai Savings and Credit Co-operative
SACCO
69 Taifa Sacco Society Limited
70 Taita Taveta Teachers SACCO Society Ltd.
71 Tana Teachers Sacco Society
72 Tetu Women Rural SACCO
73 Tharaka Nithi Teachers SACCO Ltd.
74 Times U Sacco Society Ltd.
75 Trans-Kenya Women Sacco
76 Trans-Nzoia Teachers Sacco
77 Uchumi Bora SACCO Ltd.
78 United Women Sacco Society Ltd.
79 Unity for Women Economic and Social
Organization (UWESO)
80 Universal Traders Sacco
81 Vision Afrika Sacco Ltd.
82 Wakenya Pamoja
83 Wananchi Sacco Ltd.
84 Webuye Development co-operative
Society
85 Wells Community Growth Initiative
86 Women Awareness & Development
Initiative(WAADI)

When you empower a Woman,you empower a Family and a whole Nation

6.00 Nyeri
0.50 Embu
Elgeyo Marakwet
Tharaka -Nithi
Migori
Kwale, Mombasa & Kilifi
Uasin Gishu
Mombasa
Kakamega
Muranga, Nairobi & Kiambu

Kakamega, Busia & Bungoma

Kisii
Kisii
Uasin-Gishu
Nairobi & Mombasa
Nakuru

6.00 Vihiga
9.50 Siaya
60.00 Nairobi, Meru, Nyeri, Muranga,
Kiambu, Kirinyaga, Embu, Kisumu,
Laikipia, Uasin Gishu,Nakuru, Kajiado,
Taveta,Mombasa, Malindi, Kilifi, Nandi,
Kisii,Migori, Bungoma, Siaya, Kakamega, Tharaka Nithi, Machakos
3.00 Bomet
6.00 Meru
4.00 Kiambu

11.00 Kiambu
10.00 Nairobi, Nyeri, Tranzoia,Uasin-Gishu,
& Bomet