KILIMO LOAN

• Easy to remember

• Fadhili registered clients doing agri business; both crop farming and animal farming.

• 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

• 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.

• Its dependent on the time crop period
• Maximum tenor is 180 days

• Enough repayment periods to repay the installments. 

• 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

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

THE VALUE CHAINS WILL VARY FROM SEASON TO SEASON AND COUNTY TO COUNTY

• 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 

• 5.5% of the amount applied for or five hundred shillings whichever is higher deductibale at drawdown

.

• Affordable and fair

• 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).

• Brochures and flyers
• Social media
• Marketing through the existing centres and groups.

• Well informed & knowledgeable customers

• 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”

• . cheap affordable 

• Clients’ welfare

• To be developed from benefits reported by clients as they start enjoying the service.

• To be developed from benefits reported by clients

• To be developed from benefits reported by clients

• Provided on loan disbursement 

• Protects one from penalties and clarity of installments information.

• Copy provided to client and proper signing done during disbursement.

• Ones right

• Positive staff attitude in customer handling
• Very experienced and competent staffs.

• Customer valued as he/she is the reason for our existence.

• Fadhili staffs are efficient
• Maximum two weeks needed to process the loan 

• Faster, saves time and the situation at hand.

• 1- 2 pages

• Not tedious

• Simple, clear and easy to understand

• Easy to understand