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February 8, 2018

Teresa, UG County

I am a mother of five and live at Weighbridge, in Turbo Constituency of Uasin-Gishu County. I used to run small kioski in the same room that she lived with her family. My stock was very low as the family depended solely on that business.

In the year 2009, I heard about JOYWO and its programme of table-banking and attended their meetings. I was advised to mobilize women to form a group. Our 15-member women group started doing table-banking and got their first loan. I got the first loan of Kshs 15,000 and injected it into myr kiosk business. The business grew with time and next time I got additional loan, added some savings and bought a posho mill. I later diversified by business and invested in maize buying and selling. I was able to make enough money to build a rental house of six rooms all of which have been occupied by the tenants. Now, I look forward to a long term loan of Kshs 300,000 to buy another plot of land and put up other rental houses. I have already identified the plot.

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

12 Comments on “Teresa, UG County

lydia chemtai
February 20, 2018 at 3:29 pm

so much impressed with your activities

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ictdesk
March 23, 2018 at 8:19 am

Welcome.

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Esther njeru
March 22, 2018 at 4:30 pm

Hello send 330ksh to joywo and have not received a text from them

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ictdesk
March 23, 2018 at 8:15 am

Hello,

That was a scum. We only deal with groups

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Doreen Nekesa Ouma
October 1, 2018 at 8:57 am

Good morning,
do you lend money to individuals

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ictdesk
January 9, 2019 at 11:31 am

We lend at group level

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Lydia samoei
October 6, 2018 at 3:50 pm

Hi am Lydia samoei from Timboroa we have so many groups but we don’t have joywo how should istat teaching them pliz need ua help

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ictdesk
January 9, 2019 at 11:31 am

Hello Lydia, Please call 0710826959 for more information

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KIPTOO KIPKOSGEI
October 13, 2018 at 8:13 pm

Hi,

my wife applied for long term loan on 24 apr 2018 upto today he has not received despite having 67k in deposits.
what is going on?i feel like there is chezo hapa or is also a scum?

ziwa branch UG.

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ictdesk
January 9, 2019 at 11:29 am

Loans are given out at group level

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Rachel
December 11, 2018 at 4:17 pm

Wow! This is such an inspiring story from Teresa. Joywo has enabled her to grow her business and take good care of her family.
I also run a small business and am in Nairobi, how can I join?

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ictdesk
January 9, 2019 at 11:28 am

Visit our offices at Karen Plains Arcade

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