Product features

“8 ps” Feature Benefit
Brand Name  JIKO BORA-GAS special loan Product
  • Saves upto Kes 2,000 on Makaa.
  • Most Durable and efficient 
Target Market
  • All our unfunded clients or already funded but they have some home needs to attend to.
  • Loan product whose purpose is to finance our clients needs at home by reducing their running costs and to empower them with the current technology.
Product design
Access requirements Loan shall be accessible to: 

  • All Fadhili and/or none Fadhili members clients.
  • Aged between 18-65 years.
  • Borrower with a good repayment record 
  • Borrowers with Proof of Regular business income or remittance.
  • Borrower willing to provide guarantee of repayment and also be guaranteed by at least three Fadhili active members from existing groups.
  • All clients who already have businesses or have some reliable sources of income.
  • Offering responsiveness loan product for both Fadhili and none Fadhili clients.
Loan size
  • Loan guarantee deposit ratio: No loan guarantee deposit is required.
  • Loan cycles for different products are; The 
  • Solar system Kshs.12,500
  • Stove firewood with Kshs.10,500
  • Jiko Bora Mama Yao Kshs.5,750
  • Malkia Kshs.5,950
  • Jiko Dura(Firewood without Solar)Kshs.5,000
  • Solar Tvs 24 inches Kshs.45,000
  • OLA ENERGY 6KG Gas Cycilnder Kshs.3,500
  • OLA ENERGY 13KG Gas Cylinder Kshs.6,500
  • OLA ENERGY 13KG Gas Cylinder with 2 Burner Cookers Kshs.10,000
  • Adequate loan amounts to meet all their home needs.
Loan Term 
  • The repayment period is 1 MONTH
  • Enough repayment periods to repay the instalments.
Repayment frequency
  • Weekly meetings
  • Enables client to pay in small manageable instalments direct from ones regular Business income or any other sources.
  • Three Fadhili active members in the existing active centers and either the centre leader or group leader to approve.
  • Household’s items.
  • Easy collateral
  • 0.5% rebate for good clients on the interest paid at the end of period.
  • Reward for good payers
Grace Period
  • One week.
  • Enables one make timely repayments.
  • 20% per month flat rate
  • Affordable 
Loan processing fee 
  • 4.5% of the amount applied for.


  • Affordable and fair. No pressure to raise the processing fee as it is deducted direct from the amount to be disbursed.
Loan insurance fee.
  • Included in the loan disbursement fee.
  • No pressure on self/family to repay in case of the covered risks (Death or permanent incapacitation).
  • Kshs.100
  • Keep track of one’s accounts’ status all the time
Late Penalty
  • 0.5% per day on instalment in arrears
  • Enhances repayment discipline & guaranteed fast subsequent loans
Marketing information
  • Brochures and flyers
  • Marketing through the existing centers and groups.
  • Awareness campaigns during community/Family meetings, youth meetings
  • Well informed & knowledgeable customers
Promotional materials
  • Pens& rulers, T-shirts, Caps, Key-holders, umbrella,
  • Incentives
  • Fadhili micro enterprises Head-office
  • Convenient because it is reachable by all.
  • Less costs of transport and time
  • “Shirika Lako Manufaa Yako”
Benefit statement
  • ‘Quicker investment high returns’.
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 of I week 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