Group loans using two main approaches: One is based on four groups of five women (a watano) coming together to form a kiwa. The second is based on pre-existing groups of up to 30 women. In both loan schemes, women are required to save as a requirement for accessing credit. Loans are ...
Read moreGroup loans using two main approaches: One is based on four groups of five women (a watano) coming together to form a kiwa. The second is based on pre-existing groups of up to 30 women. In both loan schemes, women are required to save as a requirement for accessing credit. Loans are disbursed to individual members directly, with repayment and collections being the primary responsibility of the group. The majority of KWFT’s loans are business loans. A small percentage is given for education and healthcare. Village banking scheme since 1999. In 2002, KWFT began a pilot individual lending project.
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