Product features  

“8 ps” Feature Benefit
Brand Name  Fadhili kilimo loan
  • Easy to remember
Target Market
  • Fadhili registered clients doing agri business; both crop farming and animal farming.
Objective To finance clients to acquire farming inputs, lease machinery
Product design
Access requirements Loan shall be accessible to: 

  • Should be registered members of Fadhili and the relevant offtaker 
  • Aged between 18-65 years or anyone insurable
  • Borrower with a good repayment record 
  • Borrower willing to provide guarantee of repayment and also be guaranteed by all members from the group.
  • Should have been doing farming for at least two years
  • They should sell their produce through relevant offtaker 
  • They must be registered in a formal group.
  • Be registered  members of Digifarm
Loan size
  • The loan size is dependent on the needs of the client i.e., Size of the farm, the type of farming activities 

The client will be given input vouchers equivalent to the loan amount to be redeemed at relevant offtaker 

The loan amount will be equivalent to the value of inputs redeemed.

Extra loans will be restricted to education and improvemet emergency loans

From Kes 3,000 to Kes 150,000 per acre depending on the relevant  as defined and agreed with the value chain per produce offtaker

  • Inputs are given to the farmers hence the utilization of the loan is confirmed

Only the utilized inputs is considered.

Loan Term 
  • Its dependent on the time crop period
  • Maximum tenor is 180 days
  • Enough repayment periods to repay the installments. 
Repayment frequency
  • The repayment will be through check off when the farmer sells the crop to the relevant offtaker
  • The client is allowed to do partial repayment 
  • Enables client to pay in small manageable instalments 
  • Allows the client to have time till harvesting.
  • All Fadhili active members in the existing active centers.
  • Household’s items or any other prearranged / pre commited collaterals
  • Easy collateral
Approved valuechains List of approved value chimns will vary from time to time. Currently the approved value chans are

Livestock (beef & dairy cows, goats, chicken, sheep) 

Crops include

GreenGrams- 180days

– Sunflower- 180days

– Maize- 120days

– Frenchbeans- 180days

– Brocoli-180days

– Snow peas- 180days

– Snap Peas-180 days

– Potatoes- 180days

– Soya- 180days

– Sorghum- 180days


Grace Period
  • Dependent on the crop duration
  • From 30days to maximum of 180 days depending on the approved value chain.
  • Enables to have time till harvesting of the produce
  • Interest of 2.5%per month
  • Affordable 
Loan processing fee 
  • 5.5% of the amount applied for or five hundred shillings whichever is higher deductibale at drawdown


  • Affordable and fair
Loan insurance fee.
  • 1% or Kshs.150 of the loan amount whichever is higher.
  • Or as Guided by the insurance service provider
  • No pressure on self/family to repay in case of the covered risks (Death or permanent incapacitation).
Marketing information
  • Brochures and flyers
  • Social media
  • 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 across the country
  • Convenient because it is reachable by all.
  • Less costs of transport and time
  • “tajirika na kilimo”
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