Tecla, Nandi County

Tecla, Nandi County

A member of JOYWO who is also a friend of mine asked me to mobilize women to join JOYWO so that we could benefit from the table-banking programme. I did not know much about the table-banking programme but when my friend told me about how she managed to buy a cow through it and I got motivated and mobilized fifty (50) women to join the programme. A staff of JOYWO came and trained us in table-banking.

Latter, JOYWO facilitated my group members to start poultry rearing project by selling us poultry chicks on credit. My group bought 500 chicks and when they attained the age of six weeks, we sold them at Kshs 300 each, making a total of Kshs 150,000. My husband added me some money with which I bought some chicks. I made Kshs 300,000 from the sale of chicks. When the chicks matured, I sold some 65 big birds at the total income of Kshs 60,000.

The layers give me 10 crates of 30 eggs each every day. I sell a crate of eggs at Kshs 300, generating a total of Kshs 3000 per day. The demand for the eggs is very high in Kapsabet town. I supply the eggs to hotels in Kapsabet town every week.

I have been able to secure a long term loan of Kshs 200,000 from my table-banking group to expand my poultry business. I am very grateful to JOYWO for the support that I have received from them because through the table-banking programme, my family is food secure and I am able to make money and meet some family obligations such school fees and clothing.

Anneta, Bungoma County

I grew up in Busia County, Ang’orom Village, Teso South Sub County. I went to Kibabii primary School in Bungoma County then to Kisoko Girls Secondary School for my Kenya Certificate of Secondary Education (KCSE) later joined young Women Christian Association (YWCA) For a Certificate In Secretarial studies and Computer. After College education I started a small business as a hawker selling mobile phones accessories and battery. I got enough capital to start my own shop for mobile phones and accessories. In future I want to expand my business and start importing and exporting phones and accessories as a wholesaler and am confident my dreams are valid. My business involves sale of mobile phones and accessories, I started my business in the year 2010 December as a hawker and thereafter started my own shop in 2012. I used my short term to expand my business and bought more accessories that led to more sales revenue hence profits.

Just like any other business my biggest challenge still remains; lack of adequate capital to fully expand my business and tap the market potential of Busia town, which will make business thrive translating to higher profits. I also experience stiff competition from other industry players especially those who import fake electronics from China and thereafter sale them at a cheaper price compared to my products. But despite all the challenges am still doing good and I expect to grow even bigger by the end of the year.

Charity, Nyeri County

I was born and grew up in Nyeri county, Othaya constituency karima ward. My early life was a total struggle since i was born before independence when the country was fighting for its own independence. We were many in our family and therefore getting all the basic need like clothing, food and education was not easy. I am in dairy farming and also I have a tea farm. Being a daily farmer value addition on daily products is important to maximize profit. I started packing yoghurt at my home and distributing to hotels ,kiosks around and even homes

My dream is to be financial independent lady after at old age and encourage more women to venture in farming and form groups where they can share ideas and finances. Also to have modern equipments for packing milk and transportation means. We were trained on table banking and we appreciated then idea and we started table banking four months ago. Many women have being doing table banking even myself in the county for many years but we lack clear vision why we are doing it and lack of good records and clear documentation.

I have been borrowing short term loans only since the group is young and we do not have a lot of money on the table to give long term loans. I use the money to supplement what I have in buying food for my dairy animals and the rest help in packing and distributing yoghurt.

My hope and prayer is for the group to grow and be an example to other groups on how individuals can come together and finance their own projects.

Sharon, Baringo County

I grew up in Kimalel village where it was hard to find food as it’s a semi-desert area but one day we heard about the concept of table banking being undertaken by JOYWO we invited JOYWO teacher to come and train us, eventually we joined JOYWO table banking whereby have managed to begin buying using my short term loan  as young as 8 months old goats at less than a thousand and rearing them at home since rearing them is so easy in that you just graze them at nearby forest my key agenda is to ensure that come December during Baringo County Annual Goat Auction we will sell them as a group and indeed get some income from the business am  expecting in the near future we will engage in transporting the goats to this bigger towns to sell at higher price hence increase our profit margin.

For my short term loan I used to buy goats and rear them at home to sell them come December and for long term loan I used pay fees for my children who are currently in form one and three, which could have been very hard to pay, credit to JOYWO table banking.