Product features  

“8 ps” Feature Benefit
Brand Name  Fadhili School fees loan Product
  • Easy to remember
Target Market
  • All our funded who wish to be given the finance to pay for their school. Should be capable of paying 
  • Loan product whose purpose is to finance clients with school fees needs . 
Product design
Access requirements Loan shall be accessible to: 

  • All Fadhili members’ clients.
  • Aged between 18-65 years.
  • Should have a proof of the purpose of the loan i.e. provide school fees structure from the school
  • 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 
  • Offering responsiveness loan product that cares for the welfare of the Fadhili clients 
Loan size
  • There will be no LGD required
  • The maximum loan size is 15000 which will be given out for three months and once cleared the client is eligible for another loan
  • Adequate loan amounts which can be acquired four times a year
Loan Term 
  • Minimum of five thousand and maximum of 15000 to be repaid in three months
  • 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.
  • Should also get an external guarantor to guarantee the loan
  • Easy collateral
Grace Period
  • One week.
  • Enables one make timely repayments.
  • 1.66 % per month or 20% per annum flat rate
  • 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).
  • Kshs.50
  • 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 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
  • “Elimu bora jamii bora”
Benefit statement
  • .cheap affordable school fees
  • 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