Joyful Women is a registered non-governmental organization (NGO) formed to empower Kenyan women economically and enhance household food security among them through supporting their involvement in livelihood projects. JoyWo’s flagship project has been providing financial resources to women to engage in livelihood projects through a scheme known as Table Banking.

JOYWO was started in the year 2009 and it has grown over the years. It has a membership of 182,542 members in 12,343 groups who are currently revolving Kshs. 1,411,271,903 as of mid-February 2015.

The membership of JOYWO is spread over 43 counties in Kenya, some of them being: Nairobi, Uasin Gishu, Nandi, Trans Nzoia, Kakamega, Kajiado, Embu, Bomet, Nyamira, Nyeri, Homabay, West Pokot, Siaya, Turkana, Tana River and Samburu. The organization’s headquarters is in Eldoret but it has offices ran by county managers and program officers within the thirty nine counties. Currently, JOYWO has over 1000 members of staff.


Table Banking 100%
Capacity Building & Agripreneurship 95%
Water & Sanitation 80%
Clean Energy & Affordable Housing 95%
Scholarships & Shadowing 75%


In just 5 years, there has been tremendous visible improvement to these women’s lives. On a macro level, Joywo has more than 10,000 success stories, more than 1.2 Million shillings in revolving funds, the women have access to bonuses and dividends and women who previously had an income of less than 20 US dollars now earn up to 2,000 US dollars in a month from the different investments they have undertaken through Joywo micro loans.

  • To get to 47 counties by March 2015
  • To reach One Million women in Kenya by 2016
  • To train 150,000 women on business ventures and entrepreneurship by April 2015
  • To have all our women informed on public procurement and 75% practicing public procurement at national and county government levels
  • To get to sa000 groups by the end of 2016
  • To have 50% of our women move from Micro to SME business
  • To establish a training empowerment center in every county and an industrial park in Uasin Gishu county
  • Expand to the East African region by Dec 2017
  • To increase our long-term loan portfolio from the current 1.2 Million USD to 12 million USD by 2016


True Stories, from few of our Women.

I am very grateful to JoyWo for the support I hove received from it through table-banking JoyWo has given a plate from which I will be eating. I will use this tractor for my own farming activities as well as leasing to farmers in the area. This table-banking project has transformed my life for better.

Testimonial Irene
JoyWo Member & Beneficiary

JoyWo’s table banking, I have been able to buy a car and now sell a truck of maize per month. I also managed to build a stone house. At the moment, I am planning to take a loan of Ksh 500,00 to buy a plot of land & build bigger residential house. My savings allow me to take that kind of loan.

Testimonial Lydia
JoyWo Member, Rift Valley

JoyWo has improved my life immensely. My children are oh in private schools and I can comfortably pay for their fees. Long Live JoyWo.

Empowering women through information

Testimonial Teresa
JoyWo Member Turbo, Uasin-Gishu