Kenya Women Finance Trust

Kenya Women Finance Trust Description

Kenya Women Finance Trust (KWFT) is a Kenyan microfinance institution that was established in 1982. KWFT provides microfinance services exclusively to women. KWFT received a license to accept deposits nationwide in 2010. According to the nonprofit, US-based data provider Microfinance Information Exchange (MIX), KWFT had total assets of USD 236 million, a gross loan portfolio USD 152 million outstanding to 247,000 borrowers, deposits of USD 108 million from 600,000 depositors, return on assets (ROA) of 0.93 percent and return on equity (ROE) of 8.09 percent as of 2012.

Kenya Women Finance Trust Limited operates as a deposit taking microfinance company in Kenya. The company’s products and services comprise junior, savings, transaction, fixed deposit, microfinance call, and group accounts; CashCard; business, consumer, clean energy, and agriculture loan products; and mobile banking. It serves Kenyan girls and women. The company was founded in 1981 and is based in Nairobi, Kenya. It has branches in Eldoret, Kakamega, Nairobi, Nyeri, and Mombasa.

The goal of the Kenyan Women’s Finance Trust (KWFT) programme is to promote the access of economically active low-income women to sustainable financial and non-financial services to enable them to improve the economic and social status of their households.


Since 2004, Kenya Women Finance Trust has grown into one of the biggest NGO-based microfinance operators in Africa. In Kenya, it is by far the largest microfinance institution ( MFI). Its membership today exceeds US$220,000, representing a growth of 173 per cent over the programme period and exceeding the target by 138,000 members. The outstanding portfolio has increased by 297 per cent to just over US$79 million, which is nearly four times the target of US$20 million. Client savings collected through the commercial banks have also increased by 284 per cent to more than US$29 million.


Looking ahead, Kenya Women Finance Trust plans to expand into two new regions in the coming years. It aims to reach about 1,464,000 members by 2012, with an outstanding portfolio expanding to about US$331,635,000 from the current U$79,454,000. This would require a growth in the number of KWFT staff from the current level of 916 to about 2,400.
Kenya Women Finance Trust is also transforming itself into a deposit-taking financial institution, offering projected client savings accounts of up to US$264,019,000 by 2012, thereby reducing the overheads created by using other commercial banks and passing on the savings to the beneficiaries in the form of cheaper loans.

Project objectives

To improve the access of poor Kenyan women to financial services by increasing KWFT outreach
To increase the efficiency of KWFT field services and provide the target group with more appropriate products
To launch a full savings scheme for clients
To enhance the operational and financial sustainability of the KWFT operation
To improve control and management systems continuously to cater for the requirements of a rapidly growing and decentralized institution.

Kenya Women Finance Trust Contacts

Kenya Women Finance Trust DTM Limited
Postal Address: P. O. Box 4179-00506, Nairobi
Telephone: +254-20- 2470272-5, 2715334/5, 2755340/42
Pilot Line: 070 – 3067000
Email: [email protected]
Physical Address: Akira House, Kiambere Road, Upper Hill,
Date Licenced: 31st March 2010
Branches: 24