Uwezo Fund is Kenyan Government initiative that provides loans to groups of youth, women, and Persons with disabilities ( PWD) to empower them economically. It aims to promote entrepreneurship and self-reliance among these groups by providing affordable credit and capacity-building support.The funds are available at Constituency levels.



Types of Loans at Uwezo Fund 

1 ) Wezesha Loans 

Wezesha loan is a constituency-based loan intended to finance first time borrowers’ projects and enterprises. The loan amount ranges between Kshs. 50,000 to Kshs.100,000.

Who can Apply For Wezesha Loans 

To apply for Wezesha Loans the group must be registered with the relevant government body with a valid group registration certificate.

Group membership must be as guided by the registration entity.

Group Membership must fulfil the following;

  • For youth groups; 70% youth (18-35 years), and leadership, 100% youth.
  • Women groups 70% women, and leadership, 100% women  
  • PWDs 70% PWDs, and leadership, 100% PWDs.

The applicant group must apply for the loan from the constituency, be appraised and recommended for funding by the respective Constituency Uwezo Fund Management Committee (CUFMCs).
Operating bank account in the name of the group.

How To Apply For Wezesha Loans 

Fill in the Uwezo Fund Loan application form available  from the constituency offices countrywide.

Submit the completed form to the constituency office you intend to obtain the loan from.

Attach requisite attachments as indicated on the form.

Await notification of vetting and approval statuses by the Constituency Uwezo Fund Management Committee.

How To Repay Wezesha Loan

After successful receiving the loan and time for payment comes, the group must make sure they repay the loan for them to qualify for other loans. The loan is repayable within a period of 12 months upon the expiry of a six months grace period.

Repayment shall be done in monthly installments to the respective constituencies’ loan repayment accounts through direct deposits or paybill.

Group members shall sign a guarantee/undertaking to repay the loan.



2) Endeleza Loan for Repeat Borrowers

This a loan product for repeat borrowers/ subsequent funding. Subsequent funding is based on an incremental percentage of between 150 to 200% of the initial loan but not more Kshs 500,000.


Who can Apply For Endeleza Loan 

After successful receiving and repaying Wezesha loan the group can now go ahead and apply for Endeleza loan.

Here is are the requirements for Endeleza Loan: 

Completed repayment and demonstrated proper utilization of Wezesha Loan

Demonstrable evidence of potential for growth and employment creation

Group must be registered with the relevant government body with a valid group registration certificate.

Group membership must be as guided by the registering entity.

Group Membership must be at least;


-For youth groups; 70% youth (18-35 years), and leadership, 100% youth.

-Women groups 70% women, and leadership, 100% women

-PWDs- 70% PWDs, and leadership, 100% PWDs.


The applicant group must apply from the constituency and be appraised and recommended by the respective CUFMCs.

How to Apply Endeleza Loan 

Fill in the Uwezo Fund Loan application form available HERE as well as from the constituency offices countrywide.

Submit the completed form to the constituency office you intend to obtain the loan from.

Attach requisite attachments as indicated on the form.

Attach discharge certificate for initial loans completion

Await notification of vetting and approval statuses by the Constituency Uwezo Fund Management Committee


How To Repay Endeleza Loan 

The repayment of the loan commences after a 30 days grace period from the date of disbursement.

Repayment will be made in twelve (12), Eighteen (18) and twenty-four (24) equal instalments proportionate to the amounts lent.

Repayment shall be done in monthly instalments to the respective constituencies’ loan repayment accounts through direct deposits or paybill.

Group members shall sign a guarantee/undertaking to repay the loan.


Conclusion 

Uwezo Fund is an important Government initiative that youth women and PWD should consider and take advantage for economic empowerment. 



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