Women Enterprise Fund (WEF) — Tuinuke Group Loan

About this opportunity

Loan of KES 100,000–750,000 for registered women's self-help groups in Kenya to start or expand businesses. No collateral needed; 6% upfront fee only. You must complete financial literacy training before applying.

Who can apply

• Registered Self-Help Group (SHG) with 10–30 women members
• All members aged 18 years and above
• Group registered with Department of Social Services or MSEA for at least 3 months
• Group has an active commercial bank account
• All members have completed WEF Financial Literacy Training
• Each member belongs to only one WEF-funded group

Not eligible

• Groups with fewer than 10 or more than 30 members
• Groups not registered with Department of Social Services or MSEA
• Groups without an active commercial bank account
• Members who belong to multiple WEF-funded groups

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Documents you will need

• Completed loan application form (obtained from your nearest WEF office)
• Group registration certificate from Department of Social Services or MSEA
• Bank account details for the group
• Proof that all members have completed WEF Financial Literacy Training

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How to apply, step by step

1. Locate your nearest Women Enterprise Fund Constituency Office—WEF operates in all 290 constituencies, typically hosted in the Deputy County Commissioner's or Assistant County Commissioner's office
2. Visit the office and obtain the loan application form
3. Complete the form and gather your group registration certificate and bank account details
4. Submit the completed application and documents to the WEF officer
5. The WEF team will review your application and notify you of the outcome
6. If approved, loan funds will be deposited directly into your group's bank account

How applications are selected

What reviewers look for

• Ensure your group has been registered for at least 3 months before you apply—this is a hard requirement
• All members must have completed WEF Financial Literacy Training; this is non-negotiable
• Have your group's registration certificate and commercial bank account details ready when you visit the office
• If this is your first loan, you will receive KES 100,000 with a 6-month repayment period; timely repayment qualifies you for larger amounts in later cycles
• The 6% administrative fee is charged upfront, so factor this into your cash flow planning

Frequently asked questions

Guide written from the official programme page on 18 October 2026. Funders change their rules, so confirm the details on the official page before you apply.

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