Who we are

JOYWO is a registered Non-Governmental Organization (NGO) founded to empower Kenyan women economically and enhance household food security among them through supporting their involvement in sustainable 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. This continues to be one of its core strategic interventions as it also strengthens their responses to other key issues such as; supporting access to markets from products from the livelihood projects, enhancing growth of women’s small-scale businesses into large-scale investments and also strengthening identification and incubation of diverse livelihood projects.

JOYWO was started in the year 2009 and it has grown tremendously over the past 8 years. Currently, it has a membership of over 200,000 members in more than 12, 000 groups who are revolving over Kshs. 2.7 Billion as at the end of August.

The membership of JOYWO is spread across all 47 counties in Kenya. The organization’s headquarters is in Nairobi but it has offices in the counties ran by county managers and program officers. Currently, JOYWO has 400 members of staff.


Vision and Mission.


A society in which every woman is empowered to attain their full potential, to support their family and nation.


To support women’s involvement in sustainable livelihood activities.To support women’s involvement in sustainable livelihood activities.

Core Values

  1. Trust
  2. Ownership
  3. Passion

Our Objectives

  • To provide affordable micro-credit facilities towards livelihood projects by grass-roots women.
  • To facilitate the acquisition of entrepreneurial knowledge and skills by women for their effective involvement in livelihood projects.
  • To strengthen the capacity of grass-roots women groups for effective participation in economic, social and governance affairs.
  • To support access to markets for products and produce from women’s livelihood projects.
  • To support the growth of women’s small-scale livelihood projects into large-scale enterprises.


In order to achieve its Vision and Mission, JOYWO has formulated the following Seven Strategic Intervention Areas to guide its operations;

  • Strengthening access to credit through table banking.
  • Enhancing members’ ability to earn income through sustainable livelihood activities.
  • Enhancing Market Access and Market Linkages.
  • Establishing Strategic Partnerships and Alliances to support livelihood and capacity building initiatives.
  • Enhancing Advocacy and Lobbying on Women and Youth matters.
  • Enhancing Institutional Learning and Development.
  • Strengthening Institutional Capacity for Efficient and Effective Service Delivery.


  1. JOYWO was started in the year 2009 and it has grown its presence from 1 county to all 47 counties in Kenya.
  2. The membership has also grown to over 200,000 members in 12,343 groups who are currently revolving over Kshs. 2.7 Billion.
  3. JOYWO has successfully created job opportunities for young people as program officers, county managers and regional managers.
  4. More than 4,000 women have been trained on public procurement and as a result of the trainings, more than 700 companies have been registered from this training. Some of the companies registered have successfully won tenders.
  5. Women who only had access to a monthly income on 20USD can now enjoy an income of over 2000USD through engaging in various income-generating initiatives.
  6. Through JOYWO’s capacity building programs, women have been empowered with information on modern farming techniques, latest information & technology products and entrepreneurial skills.
  7. Women who were once dependent on their husbands for entirely everything are now in a position to support their families. They are able to provide food for their families and even pay for their children’s school fees.
  8. The family unit is now experiencing a stronger bond since women who were viewed as liabilities are now part of the source of income for the family.
  9. There is increased food security in the region since we have successfully trained the women on the use of modern farming methods and given them access to cheap and available credit through Table banking.
  10. Through our development partners, we have been successful in diversifying agricultural production. Women are now doing horticulture, green house farming, passion fruit and chili, together with the normal maize, wheat and dairy production.—