A loan of $3,000 helped a member to install a drip irrigation kit and buy tomato and onion seedlings for their garden.


Watyoka Ladies Group's story

This group is made up of six young mothers aged between 18 and 35. They have been working together as a group since August 2011 when they were trained by PENYA in small business management. Initially, these ladies wanted to start raising hens so that they could supply eggs. However, due to the fact that the start up capital for this is quite high they decided to carry out a horticulture venture instead. From the revenue generated, they will start to build their fowl runs for the egg production business. In addition to expanding and venturing into egg production, they want to ensure each group member has a drip irrigation kit on thier individual plots within the next two cropping seasons.

PENYA assists borrowers with entrepreneurial skills training through the Start and Improve Your Business (SIYB) Program. PENYA also helps them form Village Savings and Loans Associations where they save proceeds from their businesses that will then become the future sources for additional loans and business investments. Finally, PENYA carries out mentoring and monitoring visits to ensure that the businesses are being run viably. Through linkages created with extension workers and some buyers, PENYA borrowers have access to further training in the production and selling of their produce.

In this group: Abigail, Fikile , Macilline , Priscilla , Loveless , Constance



Loan details


Lenders and lending teams



Loan details