Pamoja Women Development Programme (PAWDEP)

“PAWDEP” means Pamoja Women Development Programme. The organization was founded in 2003 as a Non-Governmental Organization (NGO) and duly registered in Kenya in 2004. PAWDEP is a leader in providing microfinance solutions to women groups running small scale industry and farming. The organisation seeks to empower women financially to run viable, competitive, and rewarding enterprises that can compete locally and internationally.
Loan Products:
Nuru Loan
Features
Lending to solidarity women groups
Loans from Kshs. 5,000.00 - Kshs. 200,000.00
Repayment benefits of upto 50 months
Interest rates at 1.5% per month (reducing)
Monthly meetings
Benefits
Accessible to all women with a business activity
No collateral/security required apart from the group
Fast processing and disbursement
Repayment period is flexible
Interest rate is attractive and affordable
Opportunity to graduate to the next level
Opportunity for business training
Bonus paid to groups at the end of each year

Eligibility
All women with an income generating activity
A member of a solidarity group with 5-40 members
Ready to guarantee others for loans and vice versa
Over 18 years of age

Ngumbato Loan

Features

• Lending to solidarity women groups
• Unforeseen business challenges loan
• Loan amount flexible and from any amount
• Repayment period is monthly
• Monthly meetings

Benefits

• Accessible to all women members of a solidarity group
• Group guaranteed
• Disbursed on the same day of application (less than 3 hours after application)
• Arrest all business challenges
• Manage all business opportunities
• More loans accessible every month
• Bonus paid to the groups and members at the end of each year
• Opportunity for business training

Eligibility

• Members of a solidarity group
• Ready to guarantee others for loans and vice versa

Endeleza akina mama

Features

• Individual self secured loans
• Business loan
• Access loans from Kshs. 100,000.00 - Kshs. 500,000.00
• Repayment period upto 20 months
• Interest rate at 8% per annum (0.67% per month)

Benefits

• Individual loan
• No weekly or monthly meetings
• Repayment period flexible upto 20 months
• Flexible collateral/security
• Processing and disbursement very fast
• Interest rate very low
• Opportunity to grow to the next level
• Opportunity for business training and motivation talks

Eligibility
Graduating from solidarity group business loans
Successful veteran customers
Faithful customers
Provide self collateral/security

Jaza Loan

Features

• Individual self secured loan
• Either business or development loan
• Access loans from Kshs. 600,000.00 - Kshs. 5,000,000.00
• Repayment period upto 60 months
• Interest rate is 12% per annum

Benefits

• Individual loan
• No weekly or monthly meetings
• Repayment period flexible but upto 60 months
• Flexible collateral/security
• Processing and disbursement very fast
• Interest rate very low
• Opportunity to graduate to the next level
• Opportunity for training and motivation talks

Eligibility

• Graduating from the solidarity business loans
• Successful potential customer
• Faithful clients
• Provide self collateral/ security

Pesa Plus Loan

Features

• Individual self secured loans
• Unforeseen business challenges
• Loan amount flexible
• Repayment period flexible but upto 3 months
• Interest rate very low
• No monthly or weekly meetings

Benefits

• Accessible to all individual clients
• Self secured
• Arrest all unforeseen business challenges
• Manage all business opportunities
• Disbursement very fast and generally on the same day
• Opportunity for business training and motivation talks

Eligibility

• Individual clients (existing)
• Individual cleints (new)

Angaza Loan

Features

• Individual self secured loan
• Business development loan
• Access loans from Kshs. 5,000.00 - Kshs. 100,000.00
• Repayment period upto 12 months
• Interest rate at 1.5% per month (reducing)
• Guarantor required

Benefits

• Individual loan
• No weekly or monthly meetings
• Repayment period flexible but upto 12 months
• Flexible collateral/ security including business and homestead assets
• Processing and disbursement very fast
• Friendly interest rate
• Opportunity to graduate to the next upper level
• Opportunity for training and motivation talks

Eligibility

• All clients both existing and new
• Provide flexible/ collateral security

Contacts:

Head Office
Kikinga House, Biashara Street, Kiambu.

PAWDEP also has offices in:
Kerugoya Branch-Kirinyaga
Kibetu Plaza, 2nd floor

Thika Branch
Twin Oak buidling, 2nd floor

Githunguri Branch
Family Finance building, 2nd floor

Limuru Branch
Ushirika Plaza, 2nd floor