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Get an Uwezo Fund loan for a youth, women or PWD group

Uwezo Fund · sources read 30 Sep 2026

Uwezo Fund gives interest-free loans to registered groups of youth, women or persons with disabilities. Apply online at loans.uwezo.go.ke or hand in the application form at your constituency Uwezo office; a first loan is KSh 50,000 to 100,000.

Fee
We couldn't confirm a fee from the official page. Check it there before you pay.
How long
About one month after your group is vetted and trained
Where
Online at loans.uwezo.go.ke, or at your constituency Uwezo Fund office (NG-CDF or Sub-County office)
Go to the official site

What you need

  • Filled Uwezo Fund loan application form
  • Copy of the group registration certificate
  • Signed list of members with ID and phone numbers
  • A guarantee form signed by each member, committing to repay
  • 3 recent signed minutes of group meetings showing monthly contributions
  • Bank statement for the group's account
  • A proposed business plan
  • Repeat loan only: discharge certificate for your first loan

Steps

  1. Apply online at loans.uwezo.go.ke, or download the form from uwezo.go.ke or pick one at your constituency office.
  2. Hand in the filled form with all attachments at the constituency office where you want the loan.
  3. Wait for the Constituency Uwezo Fund Management Committee to vet your group and tell you if you are approved.
  4. Repay monthly into your constituency's loan repayment account by bank deposit or paybill.

Watch out

  • Uwezo loans carry no interest, but every member signs to guarantee repayment.
  • A first (Wezesha) loan has a 6-month grace period, then you repay in 12 months.
  • Repeat groups (Endeleza loan) can get 150% to 200% of their first loan, up to KSh 500,000, after fully repaying it.

Who can apply

  • Groups of youth, women or persons with disabilities (PWDs), in their constituency
  • Youth groups: at least 70% of members aged 18 to 35, and all leaders youth
  • Women's groups: at least 70% women aged 18+, and all leaders women
  • PWD groups: at least 70% PWDs, and all leaders PWDs
  • The group should have 10 to 15 members
  • Registered with Social Services, Cooperatives or the Registrar of Societies, with a valid certificate
  • The group does table banking or a similar monthly contribution scheme
  • The group has a bank account in its own name
  • The group must be based and operating in the constituency it applies to
  • First-time groups (Wezesha loan): KSh 50,000 to KSh 100,000
Official sources (4)
  1. Loan Products uwezo.go.ke · read 30 Sep 2026
  2. FAQs uwezo.go.ke · read 30 Sep 2026
  3. Uwezo Loan Application Form (PDF) uwezo.go.ke · read 30 Sep 2026
  4. Uwezo Loan Application loans.uwezo.go.ke · read 30 Sep 2026

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