Get a Women Enterprise Fund (WEF) Tuinuke chama loan
Women Enterprise Fund · sources read 30 Sep 2026
Register your women's chama (10 to 30 members), open a bank account, get Financial Literacy training from WEF officers, then apply for a Tuinuke loan through your constituency. The first loan is KSh 100,000 with no collateral and no interest, but a 6% admin fee.
- Fee
- KSh 100Training fee, per group memberKSh 200Loan tracker booklet, per loan cycle
- Where
- In your constituency through the Constituency Women Enterprise Scheme (WEF Credit Assistant), or WEF head office at Britam Tower, 11th Floor, Nairobi
What you need
- Group registration certificate (Social Services or MSEA)
- A bank account for the group (SACCO FOSA, Post Bank or microfinance statements are not accepted)
- Financial Literacy Training certificate from WEF
Steps
- Register your chama with the Department of Social Services or MSEA and open a bank account in the group's name.
- Have the whole group trained on Financial Literacy by WEF officers (KSh 100 per member).
- Apply for the Tuinuke Chama Loan through the Constituency Women Enterprise Scheme (CWES).
- Repay in full within the repayment period to qualify for the next, bigger loan.
Watch out
- There is no interest, but a 6% administrative fee is charged on every loan cycle.
- Loans grow by cycle: KSh 100,000 (6 months), then 200,000 (9 months), 350,000, 500,000 and up to 750,000 (18 months).
- If you have a defaulted Hustler Fund loan, clear it first: WEF group loans are only for those with no Hustler Fund default.
Who can apply
- Economically active Kenyan women aged 18 and above who want to start or grow a business
- A registered self-help group of 10 to 30 members
- All members must be women aged 18+
- Registered with Social Services or MSEA for at least 3 months
- Each member can belong to only one group at a time
- No collateral needed: all loans to women groups are collateral-free
Official sources (2)
- Frequently Asked Questions wef.go.ke · read 30 Sep 2026
- How to Register for WEF Loans wef.go.ke · read 30 Sep 2026