Who we are

JOYWO is a Kenyan registered non-governmental organization (NGO) formed to empower Kenyan women economically and enhance house-hold food security among them through supporting their involvement in livelihood projects. JOYWO’s flagship projects have 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 addresses other key issues viz a viz; access to markets for livelihood projects, enhancing growth of women’s small scale investments and finally strengthening identification and incubation of diverse livelihood projects. Four years since its establishment, Joyful Women Organization has grown steadily to support the welfare of women countrywide in the fight against poverty.

Table Banking

Table banking is a group funding strategy where members save and borrow immediately from their savings on the table, either in short term or long term loans.

Livelihood Activities

JOYWO promotes and supports her members to engage in livelihood projects as means of enhancing their household food and income security.

Market Access

JOYWO strives to strengthen market access as a pillar for livelihood program me for its members.

Capacity Building

Joywo uses capacity building as a tool to empower  members on issues related to group dynamics, entrepreneurship, business skills, record keeping and many other areas.

Empowering women through information


It started with 17 women groups having a Total Revolving Fund (TRF) of kshs.60, 000.  Then, Joyful women organization had set it base in Eldoret North (Uasin Gishu County). When JOYWO saw the successes of table banking, it spread the concept to other parts of Uasin Gishu County.

The organization (JOYWO) has since spread to other counties, thanks to the table banking concept that allows members to save and access loans. Currently we have spread to Uasin Gishu, Nandi, Trans Nzoia, Bomet, Narok, Kajiado, Kisumu, Homa Bay, Siaya, Kisii, Nyamira, Nairobi, Embu, Meru, Muranga, Taita Taveta, Nyeri, Kirinyaga, Laikipia, Busia, Turkana, Tharaka Nithi, Mombasa , West Pokot, Machakos, Baringo, Nakuru, Isiolo, Nyandarua, Bungoma, Kakamega, Vihiga, Lamu, Tana River, Samburu, Kwale, Marsabit counties. Our Goal is to reach all the 47 counties in the republic of Kenya.

The group’s funds have also increased significantly over the five years to a Total revolving fund of Kshs 1,659,660,122.00.This money has mainly grown from the increase in the number of groups. The interest gained from the loans remains with the group and is eventually shared as bonus and dividends. The women use the money borrowed as capital for their livelihood projects.

Currently JOYWO has a total of 12,498 groups with a membership of 186,127

The organization’s founder, Her Excellency, Mrs. Rachel Ruto came up with the idea to help women in her rural home access money to start businesses and by recognizing the interests of women in rural areas, the group has helped its members grow their ventures into large-scale investments and access markets through table banking.

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