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What is Uwezo Fund

Uwezo Fund is a flagship project for Kenya Vision 2030 aimed at achieving the Social Pillar objective of investing in the people of Kenya in order to improve the quality of life for all Kenyans by targeting a cross section of human and social welfare projects and program as entrenched in the Medium Term Plan 2013-2017

Who qualifies for Uwezo Funds

For a group:

  • Is registered with the department of social services, Cooperatives or the Registrar of Societies.
  • Has members aged between 18 and 35 years whereas the women’s groups shall be made up of women aged eighteen years and above
  • Is based and operational at the constituency it seeks to make an application for consideration

For an institution:

  • Is a registered  entity

Has listed youth and women groups within it

Eligibility criteria for applicants

Groups must:

  • Be registered with the department of social services, Cooperatives or the Registrar of Societies;
  • Have members aged between 18 and 35 years whereas the women’s groups shall be made up of women aged eighteen years and above;
  • Be based and operational at the constituency it seeks to make an application for consideration;
  • Operates a table banking structure or any other group fund structure where members make monthly contributions according to the groups’ internal guidelines (evidence of monthly contributions shall be a requirement);
  • hold a bank account in the name of the group.

For an institution:

  • is a registered entity;
  • has listed youth and women groups within it.

Eligible amounts

  • At any one time, the eligible qualifying amounts for a group/institution will be a minimum of Ksh. 50,000 and a maximum of Ksh. 500,000.
  • Access by eligible groups of the Fund is on a first come first served basis and will be subject to assessment and approval of the application by the Constituency Uwezo Fund Management Committee, which shall ensure equitable distribution of funds in the wards.

Criteria for eligible amounts

  • In determining the total amount a group is

eligible to receive, the following criteria shall be applied:

  1. The length of time the group has been in existence
  2. The total amount contributed by the group
  3. The current status of contribution; and
  4. The proposed business plan for the loan applied.

Application procedure

  • Step 1: Ensure that you meet the eligibility criteria above
  • Step 2: Fill in an application form (available from the Constituency Uwezo Fund Management Committee office, at CDF offices
  • Step 3: Submit the application form together with relevant documents to the Constituency Uwezo Fund Management Committee office at CDF offices
  • Step 4:  Await notification from the Constituency Uwezo Fund Management Committee

 Required documents

  • For groups/institutions to qualify, they will need the following documents:
  • An application form (available from the Constituency Uwezo Fund Committee or CDF offices).
  • Copy of registration certificate
  • Evidence of table banking or any other group savings structure
  • Membership profile
  • Bank statement
  • Proposed business plan
  • Duly signed list of members with ID and telephone numbers
  • Recommendation by Area Chief
  • An application for the funds shall be accompanied by a signed guarantee form executed by each member of the women or youth group individually committing to repay the loan requested by the group.
  • On behalf of the Government, the Committee shall enter into an agreement with the identified beneficiary groups on the terms of the loan repayment prior to release of funds through signing a prescribed form.

Funds disbursement

  • The Constituency Uwezo Fund Management Committees (CUFMCs) will be expected to comply with government financial regulations that govern the management of public funds:
  • The funds will be transferred to the fund account at the national level and will thereafter be wired to Constituency accounts.
  • The Constituency Secretariat will issue cheques to the groups that have been vetted and approved by CUFMCs and approved by the National Oversight Board.
  • CUFMCs will be responsible for management and oversight of resources to beneficiaries at the constituency level.

Conditions for disbursement of funds

  • Before any disbursement is made to a constituency, the CUFMCs will submit a minuted resolution.
  • With authority from the National Treasury, the sub-county accountant shall open three bank accounts:
    1. the Uwezo Fund Main Account;
    2. Uwezo Fund Administration Account; and
    3. Uwezo Fund Loan Repayment Account.
  • NB/Before remittance, all disbursements from the Fund will first have to be approved and minuted by the Uwezo Board.
  • All disbursements from the Fund shall be made to only the successful groups and institutions (applicants) within the constituency;
  • All disbursements from the Uwezo Fund Main Account shall be made through the constituency bank accounts maintained in every constituency;
  • The Board is mandated to impose reasonable requirements, including restrictions, on a particular constituency.
  • Such restrictions or requirements shall be reported together with the monthly returns to be submitted to the Cabinet Secretary.

Repayment of loans

How and when should the loan be repaid?

  • The Uwezo Fund is a revolving fund and the monies are issues to beneficiaries in the form of a loan.
  • All youth, women and PWD groups who access the Fund are allowed a grace period of up to six (6) before commencement of repayment of the loan element.
  • However, all loans shall be repayable within two years from the expiry of the grace period.
  • Loan recipients shall deposit by cash, cheque or mpesa their monthly repayments for loan proceeds into the Uwezo Fund Repayment Account.
  • Loan recipients should submit a copy of the deposit slip to the Committee secretariat who will issue the group with an official receipt.
  • The deposit slip/mpesa transaction must be verified before issue of receipt to guard against fraudulent/fake deposit slips.
  • Upon verifiable proof of loan repayment of all proceeds, the Committee shall issue a discharge certificate to the recipient group with respect to the loan repayment.