women enterprise fund public accountability statement april 2013

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 2 0 0 9 /10

2 0 1 0 /11

2011/12 2012/13 totals

Amount Ksh. Million

1000 350 400 390 350 176 2666

Scorecard on each mandateAs at the end of January, 2013, the Fund has recorded the following achievements

Mandate Performance Indicator TotalsPromotion of access to affordable credit number of borrowers 614,414capacity building in business management skills Number trained 164,886Promotion of domestic and international marketing Number trained/facilitated 310Promotion of linkages with big companies Number Linked 1,338Facilitate development of decent workspaces Number facilitated (Consultation with

like- minded stakeholders on going)8

Sensitization on formation of cooperative societies( capacity building)

Number trained 8,285

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

Kenya subscribes to the international community’s 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 Fund’s 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 2030The 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 women’s 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 mandatesThe 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.

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

Public accountability statement

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Sectoral Distribution of Funding by Women Borrowers SECTOR NUMBER OF GROUPS FUNDED PROPORTION

1 TRADE 5,418 23%2 MANUFACTURING 1,314 6%3 SERVICES 1,023 4%4 AGRICULTURE 15,048 65%5 OTHERS 320 1%

TOTAL 23,123 100%

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.

and their findings are:

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. ”

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.”

Women Enterprise FundPublic accountability statement

How to access the WEF Loans.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 Fund’s Regional Offices based at all provincial headquarters, the Fund’s 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.

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

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

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

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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.

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.” Chairperson’s 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.

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.

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 agri-business 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 Fund’s 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/Achievements1. 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 Partnershipsa) 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.

Challenges1. Low financial literacy by women borrowers2. Lack of self confidence by women – fear of

loans3. 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 partnership-from 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.

ConclusionWomen 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, non-bureaucratic 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 CONTACTSHEAD 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: [email protected] 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:0729265619/0727784262,Nakuru,0722513614/0723411793Kakamega: 0722378843/0723377190, Embu: 0722508472/0729737726Nyeri: 0720340939/0722332606 and Garissa: 0720529766/ 0724356237 or the District Gender and Social Development Offices nearest to you.



WOMEN ENTERPRISE FUND-PERFORMANCE PER COUNTY

County Constituency No of groups funded Disbursed Amount Due Todate Paid ToDate Loan Balance Repayment rate Portfolio at Risk(PAR)

1 Baringo BARINGO CENTRAL 58 3,100,000 1,700,000 1,410,386 1,689,614 83% 29%BARINGO EAST 23 1,150,000 1,000,000 603,000 547,000 60% 73%BARINGO NORTH 57 2,950,000 1,150,000 939,861 2,010,139 82% 21%ELDAMA RAVINE 99 6,400,000 3,658,334 3,439,604 2,960,396 94% 35%MOGOTIO 79 5,450,000 3,420,833 3,212,771 2,237,229 94% 32%Sub-total 316 19,050,000 10,929,167 9,605,622 9,444,378 83% 38%

2 Bomet BOMET 58 3,060,000 2,860,000 1,629,177 1,430,824 57% 91%CHEPALUNGU 35 1,670,000 1,557,500 955,687 714,313 61% 89%KONOIN 79 4,200,000 2,345,833 1,626,124 2,573,876 69% 43%SOTIK 101 5,650,000 3,150,000 2,621,690 3,028,310 83% 39%Sub-total 273 14,580,000 9,913,334 6,832,677 7,747,323 68% 65%

3 Bungoma BUMULA 135 7,150,000 3,345,834 2,810,758 4,339,242 84% 35%KANDUYI 183 9,800,000 4,395,834 3,202,627 6,597,373 73% 37%KIMILILI 129 6,700,000 3,662,501 2,656,638 4,043,362 73% 51%MT ELGON 54 2,538,000 2,413,000 818,622 1,719,378 34% 97%SIRISIA 198 10,975,000 4,516,668 3,882,247 7,092,753 86% 34%WEBUYE 116 6,150,000 3,304,168 2,731,336 3,418,664 83% 46%Sub-total 815 43,313,000 21,638,005 16,102,228 27,210,772 72% 50%

4 Busia AMAGORO 100 5,200,000 2,145,834 2,088,793 3,111,207 97% 38%BUDALANGI 74 3,950,000 1,916,667 1,464,987 2,485,013 76% 40%BUTULA 61 3,125,000 1,279,167 1,145,228 1,979,772 90% 29%FUNYULA 80 4,150,000 1,820,834 1,698,361 2,451,639 93% 39%NAMBALE 111 6,500,000 3,100,000 3,305,901 3,144,099 107% 18%Sub-total 426 22,925,000 10,262,502 9,703,272 13,171,729 93% 33%

5 Elgeyo Marakwet KEIYO NORTH 71 3,950,000 2,566,667 2,092,561 1,857,439 82% 45%KEIYO SOUTH 63 3,350,000 2,237,500 1,677,696 1,672,304 75% 52%MARAKWET EAST 27 1,500,000 1,075,000 746,670 753,330 70% 47%MARAKWET WEST 24 1,250,000 1,150,000 559,441 690,559 49% 86%Sub-total 185 10,050,000 7,029,167 5,076,368 4,973,632 69% 57%

6 Embu GACHOKA 67 3,550,000 3,150,000 1,728,795 1,821,206 55% 79%MANYATTA 181 9,589,500 4,397,835 4,080,270 5,509,230 93% 33%RUNYENJES 111 5,784,700 1,613,234 2,032,319 3,752,382 126% 10%SIAKAGO 98 5,100,000 2,087,500 1,749,624 3,350,376 84% 33%Sub-total 457 24,024,200 11,248,568 9,591,008 14,433,192 89% 39%

7 Garissa DUJIS 72 4,150,000 2,933,334 1,796,465 2,353,535 61% 64%FAFI 21 1,050,000 1,050,000 563,300 486,700 54% 100%IJARA 52 2,900,000 1,000,000 822,149 2,077,851 82% 40%LAGDERA 23 1,150,000 1,150,000 449,780 700,220 39% 100%Sub-total 168 9,250,000 6,133,333 3,631,694 5,618,306 59% 76%

8 Homa Bay GWASSI 54 2,850,000 1,320,833 1,103,234 1,746,766 84% 30%KARACHUONYO 128 7,075,000 4,366,667 3,486,930 3,588,070 80% 47%KASIPUL KABONDO 119 6,100,000 3,979,167 2,070,967 4,029,033 52% 65%MBITA 157 9,750,000 4,895,834 5,626,557 4,123,443 115% 11%NDHIWA 113 6,000,000 3,045,834 3,035,279 2,964,721 100% 36%RANGWE 182 10,548,200 5,681,534 5,926,408 4,621,792 104% 35%Sub-total 753 42,323,200 23,289,871 21,249,374 21,073,826 89% 37%

9 Isiolo ISIOLO NORTH 105 5,700,000 1,337,500 1,843,559 3,856,441 138% 15%ISIOLO SOUTH 20 1,000,000 400,000 201,687 798,313 50% 25%Sub-total 125 6,700,000 1,737,500 2,045,246 4,654,754 94% 20%

10 Kajiado KAJIADO CENTRAL 60 3,150,000 1,862,501 1,263,648 1,886,352 68% 49%KAJIADO NORTH 78 4,500,000 2,516,667 2,569,013 1,930,987 102% 23%KAJIADO SOUTH 25 1,350,000 1,000,000 860,193 489,807 86% 30%Sub-total 163 9,000,000 5,379,168 4,692,854 4,307,146 85% 34%

11 Kakamega BUTERE 170 9,600,000 4,970,834 3,709,909 5,890,091 75% 49%IKOLOMANI 61 3,200,000 2,066,667 1,217,306 1,982,694 59% 53%KHWISERO 183 9,600,000 4,312,501 3,793,074 5,806,926 88% 34%LUGARI 74 3,528,000 1,907,167 1,465,904 2,062,096 77% 35%LURAMBI 200 10,600,000 3,995,835 3,768,473 6,831,527 94% 34%MALAVA 109 5,600,000 2,487,500 1,972,484 3,627,516 79% 39%MATUNGU 137 7,400,000 3,341,667 2,615,399 4,784,601 78% 43%MUMIAS 126 7,200,000 2,933,334 2,816,002 4,383,998 96% 35%SHINYALU 106 5,600,000 2,758,334 1,854,566 3,745,434 67% 53%Sub-total 1,166 62,328,000 28,773,839 23,213,118 39,114,882 79% 42%

12 Kericho AINAMOI 144 8,450,000 5,220,834 5,047,141 3,402,859 97% 44%BELGUT 94 5,550,000 3,195,834 3,177,467 2,372,533 99% 26%BURET 58 3,200,000 2,383,333 1,985,059 1,214,941 83% 40%KIPKELION 86 5,000,000 3,420,833 2,294,541 2,705,459 67% 60%Sub-total 382 22,200,000 14,220,834 12,504,207 9,695,793 87% 42%

13 Kiambu GATUNDU NORTH 203 12,150,000 5,166,667 5,581,696 6,568,304 108% 12%GATUNDU SOUTH 230 14,600,000 7,200,001 7,852,368 6,747,632 109% 10%GITHUNGURI 95 5,050,000 2,766,668 2,150,951 2,899,049 78% 45%JUJA 105 6,050,000 3,129,167 3,848,817 2,201,183 123% 24%KABETE 318 18,050,000 9,308,336 7,890,878 10,159,122 85% 52%KIAMBAA 123 7,600,000 3,066,668 3,455,416 4,144,584 113% 12%LARI 123 6,500,000 1,687,500 2,050,516 4,449,484 122% 9%LIMURU 79 4,200,000 2,187,500 1,823,060 2,376,940 83% 29%Sub-total 1,276 74,200,000 34,512,507 34,653,703 39,546,297 103% 24%

14 Kilifi BAHARI 109 6,100,000 2,326,667 2,809,826 3,290,174 121% 23%GANZE 109 5,839,180 2,172,514 1,769,730 4,069,450 82% 58%KALOLENI 143 7,850,000 2,500,001 3,263,172 4,586,828 131% 10%MAGARINI 133 7,000,000 2,450,001 2,147,363 4,852,637 88% 32%MALINDI 171 9,702,300 3,220,634 3,065,960 6,636,340 95% 21%


Sub-total 665 36,491,480 12,669,816 13,056,051 23,435,429 103% 29%15 Kirinyaga GICHUGU 73 3,899,000 1,586,500 1,448,564 2,450,436 91% 22%

KERUGOYA KUTUS 147 7,900,000 2,150,001 2,905,497 4,994,503 135% 8%MWEA 124 7,550,000 3,737,501 4,182,798 3,367,202 112% 20%NDIA 80 4,290,000 1,577,500 1,898,211 2,391,789 120% 16%Sub-total 424 23,639,000 9,051,502 10,435,070 13,203,930 115% 16%

16 Kisii BOBASI 104 5,700,000 3,120,833 1,646,310 4,053,690 53% 39%BOMACHOGE 252 13,600,000 3,154,167 3,727,362 9,872,639 118% 13%BONCHARI 84 4,600,000 2,291,667 2,232,889 2,367,112 97% 22%NYARIBARI CHACHE 59 3,130,000 1,838,333 1,545,168 1,584,832 84% 43%NYARIBARI MASABA 79 3,950,000 2,000,000 1,200,356 2,749,644 60% 43%SOUTH MUGIRANGO 121 6,650,000 2,162,500 1,957,245 4,692,755 91% 25%Sub-total 699 37,630,000 14,567,501 12,309,328 25,320,672 84% 31%

17 Kisumu KISUMU RURAL 294 15,900,000 8,229,168 6,497,590 9,402,410 79% 43%KISUMU TOWN EAST 227 13,200,000 6,150,001 7,416,375 5,783,625 121% 23%KISUMU TOWN WEST 238 14,550,000 7,108,335 8,153,313 6,396,687 115% 24%MUHORONI 89 4,550,000 2,137,500 1,321,860 3,228,140 62% 37%NYAKACH 148 7,750,000 3,125,001 2,636,785 5,113,215 84% 41%NYANDO 96 5,000,000 2,200,000 1,852,981 3,147,019 84% 46%Sub-total 1,092 60,950,000 28,950,005 27,878,904 33,071,096 91% 35%

18 Kitui KITUI CENTRAL 278 14,735,000 5,322,501 5,167,072 9,567,928 97% 30%KITUI SOUTH 137 7,260,000 1,747,501 2,071,031 5,188,969 119% 17%KITUI WEST 219 11,240,000 2,810,834 3,291,898 7,948,102 117% 18%MUTITO 109 5,480,000 1,375,000 1,609,809 3,870,191 117% 20%MWINGI NORTH 98 5,753,000 2,678,000 3,370,189 2,382,811 126% 5%MWINGI SOUTH 122 6,800,000 2,872,500 3,293,942 3,506,058 115% 10%Sub-total 963 51,268,000 16,806,337 18,803,941 32,464,059 115% 17%

19 Kwale KINANGO 132 6,400,000 2,825,001 2,320,643 4,079,357 82% 31%MATUGA 122 6,600,000 3,575,001 2,870,919 3,729,081 80% 36%MSAMBWENI 99 5,400,000 4,133,334 2,752,601 2,647,399 67% 78%Sub-total 353 18,400,000 10,533,335 7,944,163 10,455,837 76% 49%

20 laikipia LAIKIPIA EAST 148 8,700,000 4,033,334 4,746,318 3,953,682 118% 30%LAIKIPIA WEST 114 6,450,000 2,512,500 2,932,158 3,517,842 117% 16%Sub-total 262 15,150,000 6,545,834 7,678,476 7,471,524 117% 23%

21 Lamu LAMU EAST 23 1,250,000 1,216,667 646,208 603,792 53% 96%LAMU WEST 89 5,200,000 3,891,667 3,073,312 2,126,688 79% 62%Sub-total 112 6,450,000 5,108,333 3,719,520 2,730,480 66% 79%

22 Machakos KANGUNDO 137 8,200,000 4,620,834 4,701,032 3,498,968 102% 34%KATHIANI 137 7,100,000 4,825,001 3,067,773 4,032,227 64% 66%MACHAKOS TOWN 140 7,450,000 4,466,667 3,884,363 3,565,637 87% 35%MASINGA 70 3,550,000 1,000,000 870,293 2,679,707 87% 18%MWALA 82 4,400,000 2,137,501 2,194,031 2,205,969 103% 27%YATTA 93 5,380,000 3,209,167 2,614,130 2,765,870 82% 39%Sub-total 659 36,080,000 20,259,170 17,331,622 18,748,378 87% 36%

23 Makueni KAITI 71 3,728,000 3,123,834 2,264,055 1,463,945 73% 80%KIBWEZI 120 6,600,000 2,416,667 2,101,948 4,498,052 87% 22%KILOME 60 3,200,000 1,366,667 1,314,216 1,885,784 96% 27%MAKUENI 91 4,341,000 3,528,501 2,972,168 1,368,832 84% 76%MBOONI 66 3,200,000 2,716,667 1,982,392 1,217,608 73% 85%Sub-total 408 21,069,000 13,152,335 10,634,779 10,434,221 83% 58%

24 Mandera MANDERA CENTRAL 36 2,000,000 1,287,500 797,799 1,202,201 62% 47%MANDERA EAST 27 1,550,000 1,075,000 710,086 839,914 66% 50%MANDERA WEST 23 1,300,000 975,000 434,495 865,505 45% 65%Sub-total 86 4,850,000 3,337,500 1,942,380 2,907,620 58% 54%

25 Marsabit LAISAMIS 16 800,000 800,000 535,489 264,511 67% 100%MOYALE 53 2,800,000 1,000,000 830,600 1,969,400 83% 9%NORTH HORR 31 1,600,000 1,450,000 883,996 716,004 61% 80%SAKU 43 2,238,000 888,000 979,613 1,258,387 110% 4%Sub-total 143 7,438,000 4,138,000 3,229,699 4,208,301 80% 48%

26 Meru CENTRAL IMENTI 93 5,350,000 2,237,500 2,829,811 2,520,189 127% 4%IGEMBE 30 1,260,000 1,072,500 515,163 744,837 48% 85%NORTH IMENTI 173 10,150,000 4,350,001 5,982,315 4,167,685 138% 11%NTONYIRI 79 4,150,000 1,362,500 1,014,045 3,135,955 74% 16%SOUTH IMENTI 148 8,450,000 2,850,001 3,783,440 4,666,560 133% 13%TIGANIA EAST 29 1,450,000 1,437,500 552,714 897,286 38% 100%TIGANIA WEST 20 992,000 992,000 443,968 548,032 45% 100%Sub-total 572 31,802,000 14,302,003 15,121,455 16,680,545 86% 47%

27 Migori KURIA 152 7,650,000 6,900,001 2,351,295 5,298,705 34% 98%MIGORI 325 16,250,000 8,245,835 5,521,505 10,728,495 67% 44%NYATIKE 130 6,500,000 4,495,835 2,370,239 4,129,761 53% 84%RONGO 232 11,900,000 6,679,168 4,749,937 7,150,063 71% 49%URIRI 316 17,600,000 6,020,835 6,721,893 10,878,107 112% 24%Sub-total 1,155 59,900,000 32,341,673 21,714,870 38,185,130 67% 60%

28 Mombasa CHANGAMWE 130 7,000,000 2,504,167 2,460,735 4,539,265 98% 20%KISAUNI 98 5,650,000 2,404,167 2,752,979 2,897,021 115% 30%LIKONI 44 2,400,000 2,045,833 1,663,204 736,796 81% 70%MVITA 82 5,150,000 1,591,667 2,387,580 2,762,421 150% 8%Sub-total 354 20,200,000 8,545,834 9,264,497 10,935,503 111% 32%

29 Murang’a GATANGA 253 13,150,000 5,700,003 6,857,909 6,292,091 120% 21%KANDARA 151 8,055,000 3,321,668 4,291,682 3,763,318 129% 11%KANGEMA 116 6,250,000 4,320,834 3,310,539 2,939,461 77% 62%KIGUMO 42 2,100,000 1,525,000 1,211,029 888,971 79% 50%KIHARU 157 8,600,000 4,387,501 5,146,411 3,453,589 117% 24%MARAGWA 62 3,305,000 2,171,667 2,069,497 1,235,503 95% 36%MATHIOYA 137 7,058,000 4,070,500 3,704,350 3,353,650 91% 24%



Sub-total 918 48,518,000 25,497,172 26,591,417 21,926,583 101% 33%30 Nairobi DAGORETTI 64 3,650,000 2,345,834 2,183,981 1,466,019 93% 38%

EMBAKASI 320 18,150,000 8,404,167 7,614,397 10,535,603 91% 42%KAMUKUNJI 51 2,950,000 2,358,333 1,935,019 1,014,981 82% 72%KASARANI 71 3,950,000 1,962,500 1,766,559 2,183,441 90% 33%LANGATA 103 5,950,000 3,625,000 3,254,284 2,695,716 90% 44%MAKADARA 82 4,700,000 3,062,500 2,820,926 1,879,075 92% 58%STAREHE 100 6,098,000 3,402,167 2,881,442 3,216,558 85% 46%WESTLANDS 91 6,500,000 3,829,167 3,932,934 2,567,066 103% 35%Sub-total 882 51,948,000 28,989,669 26,389,542 25,558,459 91% 46%

31 Nakuru KURESOI 143 8,200,000 3,983,334 3,362,989 4,837,011 84% 34%MOLO 189 11,600,000 6,945,834 5,902,212 5,697,788 85% 52%NAIVASHA 108 6,000,000 4,504,167 3,252,669 2,747,331 72% 73%NAKURU TOWN 194 12,150,000 6,004,167 6,303,243 5,846,757 105% 30%RONGAI 97 6,050,000 4,233,334 3,981,114 2,068,886 94% 51%SUBUKIA 102 6,550,000 4,312,500 4,642,725 1,907,275 108% 20%Sub-total 833 50,550,000 29,983,336 27,444,952 23,105,048 91% 43%

32 Nandi ALDAI 76 4,150,000 3,425,000 2,782,973 1,367,027 81% 77%EMGWEN 111 6,550,000 3,325,000 3,051,334 3,498,666 92% 26%MOSOP 78 4,149,000 1,461,500 1,503,594 2,645,406 103% 17%TINDERET 173 10,050,000 6,145,834 4,398,147 5,651,853 72% 55%Sub-total 438 24,899,000 14,357,334 11,736,048 13,162,952 87% 44%

33 Narok KILGORIS 46 2,550,000 1,179,167 1,009,161 1,540,840 86% 29%NAROK NORTH 41 2,050,000 2,037,500 917,446 1,132,554 45% 100%NAROK SOUTH 71 3,900,000 2,312,500 1,558,210 2,341,790 67% 39%Sub-total 158 8,500,000 5,529,167 3,484,816 5,015,184 66% 56%

34 Nyamira KITUTU CHACHE 63 3,446,000 2,412,667 1,811,328 1,634,672 75% 56%Kitutu Masaba 81 4,150,000 2,450,000 1,533,231 2,616,769 63% 58%N. MUGIRANGO BORABU 44 2,150,000 1,670,833 1,173,097 976,904 70% 61%WEST MUGIRANGO 56 2,847,300 2,213,967 1,111,342 1,735,958 50% 78%Sub-total 244 12,593,300 8,747,467 5,628,998 6,964,302 65% 64%

35 Nyandarua KINANGOP 251 14,300,000 6,575,001 6,445,302 7,854,699 98% 36%KIPIPIRI 147 8,700,000 3,300,001 3,568,491 5,131,509 108% 19%NDARAGWA 144 8,600,000 4,462,501 4,687,674 3,912,326 105% 34%OL’KALOU 156 8,500,000 3,700,000 3,609,226 4,890,774 98% 33%Sub-total 698 40,100,000 18,037,503 18,310,692 21,789,308 102% 30%

36 Nyeri KIENI 120 6,350,000 1,737,500 2,135,459 4,214,541 123% 7%MATHIRA 283 15,650,000 3,020,834 5,080,938 10,569,062 168% 7%MUKURWEINI 58 3,050,000 1,612,500 1,379,739 1,670,261 86% 21%NYERI TOWN 253 14,050,000 3,604,168 4,859,468 9,190,532 135% 17%OTHAYA 172 9,300,000 4,175,001 3,691,107 5,608,893 88% 38%TETU 114 6,550,000 3,183,334 3,187,599 3,362,401 100% 26%Sub-total 1,000 54,950,000 17,333,336 20,334,310 34,615,690 117% 19%

37 Samburu SAMBURU EAST 33 1,610,000 1,510,000 838,116 771,884 56% 91%SAMBURU WEST 63 3,147,000 1,430,334 1,370,606 1,776,394 96% 32%Sub-total 96 4,757,000 2,940,334 2,208,722 2,548,278 76% 61%

38 Siaya ALEGO 110 5,950,000 3,037,501 3,122,824 2,827,176 103% 41%BONDO 211 11,380,000 7,233,834 5,740,674 5,639,326 79% 55%GEM 142 7,750,000 3,570,834 2,634,431 5,115,569 74% 38%RARIEDA 184 10,832,900 6,987,067 6,805,728 4,027,172 97% 34%UGENYA 138 7,250,000 2,070,834 2,138,353 5,111,647 103% 19%Sub-total 785 43,162,900 22,900,069 20,442,011 22,720,889 91% 37%

39 Taita Taveta MWATATE 68 4,100,000 2,658,333 2,027,300 2,072,701 76% 50%TAVETA 127 7,250,000 2,895,834 3,304,362 3,945,638 114% 19%VOI 93 5,450,000 3,912,500 978,191 2,405,783 78% 71%WUNDANYI 102 5,299,950 1,762,450 1,862,613 3,437,337 106% 18%Sub-total 390 22,099,950 11,229,118 8,172,466 11,861,459 94% 40%

40 Tana River BURA 24 1,000,000 1,000,000 161,730 838,270 16% 100%GALOLE 32 1,200,000 1,016,667 459,625 740,375 45% 92%GARSEN 21 1,050,000 1,050,000 370,073 679,927 35% 100%Sub-total 77 3,250,000 3,066,667 991,428 2,258,572 32% 98%

41 Tharaka Nithi NITHI 163 9,300,000 3,262,501 4,268,036 5,031,964 131% 7%THARAKA 93 4,800,000 1,750,000 1,074,254 3,725,746 61% 28%Sub-total 256 14,100,000 5,012,501 5,342,290 8,757,710 96% 18%

42 Trans-Nzoia CHERANGANY 138 7,775,000 5,591,667 3,614,943 4,160,057 65% 84%KWANZA 62 3,300,000 2,437,500 1,189,463 2,110,537 49% 66%SABOTI 162 8,500,000 4,416,667 3,236,012 5,263,988 73% 49%Sub-total 362 19,575,000 12,445,834 8,040,419 11,534,581 62% 67%

43 Turkana TURKANA CENTRAL 70 4,125,000 3,295,833 2,064,519 2,060,481 63% 80%TURKANA NORTH 43 2,400,000 2,329,167 1,155,714 1,244,286 50% 100%TURKANA SOUTH 58 3,675,000 2,787,500 1,539,686 2,135,314 55% 98%Sub-total 171 10,200,000 8,412,500 4,759,919 5,440,081 56% 93%

44 Uasin Gishu ELDORET EAST 159 8,950,000 4,837,500 3,427,383 5,522,617 71% 41%ELDORET NORTH 146 7,500,000 1,733,334 1,704,225 5,795,775 98% 17%ELDORET SOUTH 112 6,000,000 2,087,501 1,849,286 4,150,714 89% 29%Sub-total 417 22,450,000 8,658,334 6,980,894 15,469,106 86% 29%

45 Vihiga EMUHAYA 110 5,700,000 1,687,500 1,918,332 3,781,668 114% 20%HAMISI 49 2,800,000 1,366,667 1,067,019 1,732,981 78% 44%SABATIA 130 6,900,000 2,420,834 2,661,782 4,238,218 110% 23%VIHIGA 54 2,800,000 1,387,500 978,191 1,821,809 71% 33%Sub-total 343 18,200,000 6,862,502 6,625,324 11,574,676 93% 30%

46 Wajir WAJIR EAST 287 18,350,000 7,495,835 10,073,158 8,276,842 134% 21%WAJIR NORTH 41 2,050,000 670,834 646,824 1,403,176 96% 26%WAJIR SOUTH 56 2,950,000 2,012,501 1,651,735 1,298,265 82% 55%WAJIR WEST 127 6,750,000 3,004,168 3,646,947 3,103,053 121% 30%



Sub-total 511 30,100,000 13,183,337 16,018,664 14,081,336 109% 33%47 West pokot KACHELIBA 25 1,250,000 1,116,667 297,494 952,506 27% 99%

KAPENGURIA 52 2,500,000 2,200,000 937,278 1,562,722 43% 95%SIGOR 15 750,000 750,000 191,975 558,025 26% 100%Sub-total 92 4,500,000 4,066,667 1,426,747 3,073,253 32% 98%Grand total 23,123 1,275,714,030 632,629,817 560,895,784 712,702,220 89% 35%


WOMEN ENTERPRISE FUNDFINANCIAL INTERMEDIARY PARTNERS LOAN STATUS AND MAPPING IN COUNTIES -AS AT 31ST JANUARY 2013

Financial Intermediary Total Al-location

Released Repaid Balance Counties served

In Millions Kshs

1 Aberdare Multipurpose Sacco 10.00 5.00 0.00 5.00 Nyandarua

2 Adok Timo 25.00 20.00 0.00 20.00 Kisumu, Siaya, Homabay & Migori

3 African Women Foundation 4.00 2.00 0.00 2.00 Kisumu, Kitui, Makueni, Embu & Nairobi

4 ARDESC SACCO Society Ltd. 8.00 4.00 0.00 4.00 Nakuru, Baringo, Kericho & Bomet

5 Baringo Teachers Sacco (Boresha Sacco Limited)

23.00 23.00 0.00 23.00 Baringo

6 Belgut Rural Women Sacco Ltd. 3.00 3.00 0.00 3.00 Kericho

7 Biashara Sacco 10.00 10.00 5.00 5.00 Nyeri

8 Bingwa Sacco 14.00 14.00 0.00 14.00 Kirinyaga

9 Bondo Teachers Sacco 24.00 23.50 0.00 23.50 Siaya

10 Bright Enriched Empowerment Program(BEEP)

10.00 10.00 2.00 8.00 Thika, Nakuru, Lamu, Kajiado, Kisii, Bomet, Tranzoia & Embu

11 Business Initiative Management As-sistance Service(BIMAS)

50.00 50.00 30.00 20.00 Embu, Machakos, Murang’a, Meru, Nyeri, Kiambu, Kitui, Laikipia, kajiado, Makueni, Tharaka Nithi, Nakuru & Kirinyaga

12 Butete Cooperative Sacco 6.00 6.00 0.00 6.00 Busia

13 Chase Bank 50.00 30.00 5.00 25.00 Nairobi, Nakuru, Mombasa, Kisumu & Thika

14 Cooper Motors Cooperative(COMOCO)

5.00 5.00 0.00 5.00 Mombasa, Kisumu, Nakuru, Nanyuki, Meru, Trans-Nzoia & Uasin-Gishu

15 Co-operative Bank 192.00 192.00 92.00 100.00 Nairobi, Mombasa, Kisumu, Isiolo, Marsabit, Meru,Tharaka,Embu,Kitui,Machakos,Makueni,Nyandarua,Nyeri,Kirinyaga,Muranga,, Kiambu,Turkana, West pokot,Samburu,Trans-Nzoia,Uasin- Gishu, Elgeyo Marakwet, Nandi, Baringo,Laikipia,Nakuru,Narok,Kajiado,Bomet,Kakamega,Vihiga,Bungoma,Busia,Siaya,Kisumu,HomaBay, Migori,Kisii,Nyamira, Garissa

16 EEkuria SACCO Society Ltd. 1.50 1.50 0.00 1.50 Kiambu

17 Family Bank 223.00 183.00 121.00 62.00 Nairobi, Nyeri, Muranga, Kirin-yaga, Kiambu, Kajiado, Nakuru, Uasin Gishu, Laikipia, Nyamira, Kisii, Kisumu, Migori, Nandi, Machakos, Meru,Embu,Kakamega, Busia, Bun-goma, Mombasa and Trans-Nzoia

18 First Community Bank 10.00 10.00 0.00 10.00 Nairobi ,Marsabit,Wajir,Mandera,Garissa,Mombasa,Nakuru & Kilifi

19 Foundation Savings and Credit Cooperative Society

3.00 2.94 0.00 2.94 Bungoma, Trans-Nzoia, Nairobi

20 Fountain Enterprise Programme Sacco Ltd.(FEP)

28.00 15.00 0.00 15.00 Nairobi

21 Golden Services Organization 10.00 10.00 0.00 10.00 Mombasa

22 Gusii Pensioners SACCO Ltd. 1.00 1.00 0.00 1.00 Kisii

23 Indo Africa Finance Co. Ltd 12.00 6.00 0.00 6.00 Nairobi & Kajiado

24 Jamii Bora Bank 200.00 200.00 80.00 120.00 Taita Taveta, Kwale, Mombasa,Bungoma, Nairobi, Kaka-mega, Vihiga, Uasin Gishu , Kisumu, Kericho, Bomet,Nakuru, Kajiado, Laikipia, Migori, Homabay, Kitui, Machakos, Muranga and Kiambu.

25 Jamii Sacco 9.00 9.00 0.00 9.00 Nairobi

26 Jisaidie Development Network 13.00 7.00 0.00 7.00 Nairobi

27 Jitahidi Development Organisation 4.00 3.00 0.00 3.00 Nairobi

28 Jiweze Women Development Programme

10.00 10.00 1.00 9.00 Nakuru, Baringo & Uasin-Gishu

29 Joyful Women Organization 6.00 6.00 0.00 6.00 Uasin-Gishu, Nandi & Bungoma

30 Kapenguria Teachers SACCO 10.00 10.00 0.00 10.00 Kapenguria, Pokot, Turkana

31 Keiyo South Women Empowerement Network(Keiyo South District Table Banking)

1.00 1.00 0.00 1.00 Elgeyo Marakwet

32 Kericho West District Table Banking (Belgut Women Empo. org Services)

5.00 5.00 0.00 5.00 Kericho

33 Kiamokama Tea Growers Sacco Ltd. 15.00 10.00 0.00 10.00 Kisii

34 Kijito Development Project (Kijito Kenya Limited)

5.00 3.00 0.00 3.00 Kisumu

35 Kipsigis Teachers Sacco 10.00 10.00 0.00 10.00 Kericho

36 Kisumu Centre Jua Kali Artisans SACCO

4.00 4.00 0.00 4.00 Kisumu

37 Kisumu Teachers Sacco Ltd. 20.00 20.00 0.00 20.00 Kisumu

38 Koibatek District Table Banking (Friends of Ravine Women Empo. Org)Services

6.00 6.00 0.00 6.00 Baringo

39 Kuria Teachers SACCO 15.00 15.00 0.00 15.00 Migori

40 Laikipia Teachers Sacco 14.00 14.00 5.00 9.00 Laikipia

41 Marakwet Teachers Sacco Society Limited

10.00 10.00 0.00 10.00 Elgeyo Marakwet

42 Mathira Farmers Sacco 12.00 12.00 6.00 6.00 Nyeri

43 Mbeere North Multipurpose Co-op Society Ltd.

0.50 0.50 0.00 0.50 Embu

44 Mefat Sacco Society Ltd. 4.00 4.00 0.00 4.00 Elgeyo Marakwet

45 Meru South Farmers Sacco 15.00 15.00 0.00 15.00 Tharaka -Nithi

46 Migori Teachers Sacco 15.00 15.00 0.00 15.00 Migori

47 Milango Financial Services Ltd. 22.00 22.00 0.00 22.00 Kwale, Mombasa & Kilifi

48 Moi-Nab Sacco Society Ltd. 3.50 3.50 0.00 3.50 Uasin Gishu

49 Mombasa Teachers Sacco Society Ltd. 10.00 10.00 0.00 10.00 Mombasa

50 Mumias Sacco Society 5.00 5.00 0.00 5.00 Kakamega

51 Muramati SACCO Society Ltd. (UNITAS SACCO LIMITED)

11.00 11.00 0.00 11.00 Murang’a, Nairobi & Kiambu

52 Naivasha Women Sacco 4.00 4.00 0.00 4.00 Nakuru

53 National Cooperative Housing Union Ltd.

12.00 12.00 0.00 12.00 Nairobi, Nakuru, Nyeri,Embu, Machakos, Meru,Kiambu,Kirinyaga,kajiado,Transnzoia, Kakamega, Bungoma, Vihiga,Kisumu,Mombasa & Taita Taveta

54 Necco Fosa 55.00 55.00 30.00 25.00 Laikipia,Nyeri and Nyandarua

55 New Mugumu Jua Kali Sacco 0.50 0.50 0.00 0.50 Nakuru,Laikipia and Nyandarua

56 Nyankoba Farmers Rural Co-opera-tive SACCO

6.00 3.00 0.00 3.00 Nyamira

57 Nzoia SACCO Ltd. 5.00 4.50 0.00 4.50 Kakamega, Busia & Bungoma

58 Olmarel Lang Ltd. 5.00 5.00 0.00 5.00 Kisii

59 Omoremi Rural Sacco 27.00 22.00 12.00 10.00 Kisii

60 Pambazuka Merinaoh 2.00 2.00 0.00 2.00 Uasin-Gishu

61 Rafiki Deposit Taking Microfinance 4.00 4.00 0.00 4.00 Nairobi & Mombasa

62 Rongai Social Economic Women Organization(ROSEWO)

10.00 10.00 0.00 10.00 Nakuru

63 Sabatia Constituency Development Fund (SACODEF)

6.00 6.00 0.00 6.00 Vihiga

64 Siaya Teachers Sacco Ltd. 9.50 9.50 0.00 9.50 Siaya

65 Small & Micro Enterprise Programme Deposit Taking Microfinance(SMEP DTM)

130.00 130.00 70.00 60.00 Nairobi, Meru, Nyeri, Murang’a, Kiambu, Kirinyaga, Embu, Kisumu, Laikipia, Uasin Gishu,Nakuru, Kajiado, Taveta,Mombasa, Malindi, Kilifi, Nandi, Kisii,Migori, Bungoma, Siaya, Kaka-mega, Tharaka Nithi, Machakos

66 Sotik Katabgor Society Ltd. 3.00 3.00 0.00 3.00 Bomet67 South Imenti Credit Co. Ltd. (Sicco

Ltd)6.00 6.00 0.00 6.00 Meru

68 Tai Savings and Credit Co-operative SACCO

4.00 4.00 0.00 4.00 Kiambu

69 Taifa Sacco Society Limited 60.00 45.00 25.00 20.00 Laikipia, Nyeri and Nyandarua70 Taita Taveta Teachers SACCO Society Ltd. 7.00 4.00 0.00 4.00 Taita Taveta, Kwale, Mombasa

71 Tana Teachers Sacco Society 5.00 5.00 0.00 5.00 Tana River72 Tetu Women Rural SACCO 1.00 1.00 0.00 1.00 Nyeri73 Tharaka Nithi Teachers SACCO Ltd. 6.00 6.00 0.00 6.00 Meru74 Times U Sacco Society Ltd. 12.00 12.00 0.00 12.00 Meru75 Trans-Kenya Women Sacco 5.00 5.00 0.00 5.00 Trans-Nzoia76 Trans-Nzoia Teachers Sacco 8.00 8.00 0.00 8.00 Trans-Nzoia77 Uchumi Bora SACCO Ltd. 1.50 1.50 0.00 1.50 Kisii78 United Women Sacco Society Ltd. 12.00 12.00 0.00 12.00 Nairobi79 Unity for Women Economic and Social

Organization (UWESO)8.00 8.00 0.00 8.00 Kiambu

80 Universal Traders Sacco 10.00 10.00 5.00 5.00 Machakos, Makueni & Embu81 Vision Afrika Sacco Ltd. 10.00 10.00 0.00 10.00 Nakuru & Nyandarua82 Wakenya Pamoja 25.00 25.00 10.00 15.00 Kisii and Homa Bay83 Wananchi Sacco Ltd. 40.00 40.00 5.00 35.00 Nyeri and Nakuru84 Webuye Development co-operative

Society1.00 0.64 0.00 0.64 Bungoma

85 Wells Community Growth Initiative 11.00 11.00 0.00 11.00 Kiambu86 Women Awareness & Development

Initiative(WAADI)10.00 10.00 0.00 10.00 Nairobi, Nyeri, Tranzoia,Uasin-Gishu,

& Bomet


women enterprise fund public accountability statement april 2013

Documents