Product features  

“8 ps” Feature Benefit
Brand Name  Fadhili Christmas Product
  • Easy to remember
Target Market
  • All our funded  client who wish to get more finance to their businesses during the festive and high business season
Objective Provide more finance  to fadhili clients to increase their business during the festive season
Product design
Access requirements Loan shall be accessible to: 

  • All Fadhili members’ clients.
  • Aged between 18-65 years.
  • Borrower with a good repayment record 
  • Borrowers with Proof of Regular business income Borrower willing to provide guarantee of repayment and also be guaranteed by all members from the group.
  • All clients who already have businesses 
  • Must have cleared with the December prepayments on the other loans
  • Offering responsiveness loan product that cares for the welfare of the Fadhili clients 
  • Clients can do more business during the high season of festivities
Loan size
  • The maximum loan size is 10000 which will be given out for a maximum period of 1 month
  • LGD of 20%required
  • Once per year
Loan Term 
  • Minimum of 5000 and maximum of 10000 to be repaid one month
  • Enough repayment periods to repay the installments. 
Repayment frequency
  • To be repaid weekly during the weekly meetings 
  • Enables client to pay in small manageable instalments direct from ones regular Business income or any other sources.
  • All Fadhili active members in the existing active centers.
  • Household’s items
  • Easy collateral
Grace Period
  • Grace period of two weeks.
  • Enables one make timely repayments.
  • Interest of 20%per month
  • Affordable 
Loan processing fee 
  • 4.5% of the amount applied for or five hundred shillings whichever is higher


  • Affordable and fair
Loan insurance fee.
  • 1% or Kshs.150 of the loan amount whichever is higher.
  • No pressure on self/family to repay in case of the covered risks (Death or permanent incapacitation).
Marketing information
  • Brochures and flyers
  • Marketing through the existing centres and groups.
  • Well informed & knowledgeable customers
Promotional materials
  • Pens& rulers, T-shirts, Caps, Key-holders, umbrella,
  • Incentives
  • Fadhili micro enterprises offices i.e  Mombasa, Mtwapa Ukunda, Kilifi
  • Convenient because it is reachable by all.
  • Less costs of transport and time
  • “Inua biashara likizoni”
Benefit statement
  • .cheap affordable 
  • Clients welfare
Unique selling proposition
  • To be developed from benefits reported by clients as they start enjoying the service.
Product Image
  • To be developed from benefits reported by clients
Corporate image
  • To be developed from benefits reported by clients
Physical Evidence
Passbook (repayment schedules)
  • Provided on loan disbursement 
  • Protects one from penalties and clarity of installments information.
Copy of the loan agreement
  • Copy provided to client and proper signing done during disbursement.
  • Ones right
Customer service
  • Positive staff attitude in customer handling
  • Very experienced and competent staffs..
  • Customer valued as he/she is the reason for our existence.
Loan processing time
  • Fadhili staffs are efficient
  • Maximum two weeks needed to process the loan 
  • Faster, saves time and the situation at hand.
Length of application forms
  • 1- 2 pages
  • Not tedious
Clarity of application forms
  • Simple, clear and easy to understand
  • Easy to understand