FAULU KENYA

Faulu Kenya is a Deposit Taking Micro-Finance Company, registered in Kenya under the Micro-Finance Act which is regulated by the Central Bank of Kenya. Faulu was founded as a programme of Food for the Hungry International (FHI), a Christian relief and development organisation based in Phoenix Arizona in USA and has grown to become an MFI that offers both savings and credit services to millions of Kenyans. FHI recognised that there were unique needs of low-income people in rural and urban areas and that sustainable economic development for the marginalised poor is a priority issue in the developing world. To address these issues, FHI established Faulu Africa Network, a regional micro finance network operating in Kenya, Uganda and Tanzania. FHI began with a pilot phase of micro enterprise lending in the Mathare slums east of Nairobi in 1992. As the methodologies and systems were defined, it formally became the Faulu Loan Scheme in 1992. Thereafter, in 1993, a commitment was made to expand the programme and major funding availed. Finally in October 1994, Faulu Kenya officially came into being and was registered as a limited liability company in 1999. Valuable support was received in the formative years from USAID, DFID and the European Union. Faulu Kenya is currently a sustainable and profitable micro finance institution. Faulu Kenya has grown tremendously over the last 16 years, with over 90 outlets throughout Kenya. These outlets are currently serving over 250,000 clients. There are now more than 1500 members of staff in the outlets and at the Business Support Center (Head Office). PRODUCTS. CREDIT PRODUCTS: Mkopo Biashara This is a business loan available to people involved in business. It has three levels designed to help you from small beginnings to a bigger operation. You are given a grace period before starting repayment. Mkopo Biashara - Daraja 1 Terms ' Waiting period for first loan eligibility for group members ' 4 weeks. ' One should have attended Loan Orientation Seminar if it is a first loan. ' Saving of the required loan security fund to secure the loan required. ' Group members and Faulu officers business appraisal. ' Group members' guarantee for the customer's loan for group based loans. Benefits ' Easy access requirements. ' Flexible repayment period. ' Quick processing. ' Convenient and affordable. ' Access to refinancing. ' Weekly reports on loan status. Mkopo Biashara - Daraja 2

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Terms ' Waiting period for first loan eligibility for group members ' 4 weeks. ' One should have attended Loan orientation seminar. ' Saving of the required loan security fund to secure the loan required. ' Group members and Faulu officers business appraisal. ' Group members' guarantee for the customer's loan for group based loans. Benefits ' Easy access requirements. ' Flexible repayment period. ' Quick processing. ' Convenient and affordable. ' Access to refinancing. ' Weekly reports on loan status. Mkopo Biashara - Daraja 3 Terms ' One must have serviced a Daraja 2 loan successfully to qualify. ' Group members and Faulu officers business appraisal. ' Group members' guarantee for the customer's loan for group based loans. Benefits ' Easy access requirements. ' Flexible repayment period. ' Quick processing. ' Convenient and affordable. ' Access to refinancing. ' Weekly reports on loan status. Mkopo Hisa Purpose ' Faulu Kenya has seen the need among it's clientele to diversify their investments in channels that also diversify their risks. Hence, Faulu has identified one such area that clients can easily access, The Nairobi Stock Exchange. This loan product allows Faulu Kenya clients to buy shares of listed companies as a way of investing their monies for both short and long-term returns. ' This product's objective is to encourage savings for capital accumulation and getting for clients an alternative income stream. Terms ' Waiting period for first loan eligibility for group members ' 4 weeks. ' One should have attended Loan orientation seminar if it is a first loan. ' Saving of the required loan security fund to secure the loan required. ' Group members and Faulu officers' business appraisal. ' Group members' guarantee for the customer's loan for group based loans.

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Benefits ' An avenue for one to acquire savings for capital accumulation and an alternative income stream. ' Convenient weekly installments. ' Interest waiver reward for early repayments. ' Convenient and easy access requirements. Mkopo Elimu Purpose ' An educational loan product that allows one to meet their children's school fees or their own if they want to pursue further education or training and also purchase books, uniforms etc. ' This facility is available to both Faulu and non-Faulu clients. ' Faulu clients can access the loan even if they have another loan that they are servicing as long as they fulfill the required terms. Terms ' Waiting period for first loan eligibility for group members ' 4 weeks. ' One should have attended Loan orientation seminar if it is a first loan. ' Saving of the required loan security fund to secure the loan required. ' Group members and Faulu officers business appraisal. ' Group members' guarantee for the customer's loan for group based loans. Benefits ' Meets a variety of educational financial needs over and above fees such as books, uniforms etc. ' Convenient and flexible disbursement with cheques written directly to institutions. ' Interest waiver reward for early payments. Mkopo Kilimo Purpose ' A loan product that involves Faulu financing on-farm activities for farmers at their level. ' The farmers will be able to apply for loans, then repay with the proceeds from their produce at harvest. Terms ' Waiting period for first loan eligibility for group members ' 4 weeks. ' One should have attended Loan orientation seminar if it is a first loan. ' Saving of the required loan security fund to secure the loan required. ' Group members and Faulu officer's business appraisal. ' Group members' guarantee for the customer's loans for group based loans. Benefits ' Convenient- you get it when you need it and repayment is based on your harvest cash flows. ' Timely and reliable- season-based disbursements for early preparation and purchase of inputs.

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' Flexibility on repayment terms - has an optional grace period for ease of payments on the clients. ' Interest waiver incentive on early repayments. Customer reward- Customers enjoy interest reduction on subsequent loans. ' It has a refinancing option through a top-up facility for one to take advantage of emerging opportunities. Maisha Bora Purpose ' Loan product that facilitates the acquisition of new assets by clients from suppliers country-wide. ' Asset Acquisition: Specifically for the economically active poor who would like to build their asset base for the purpose of getting access to larger loans using the assets acquired. They would take this loan given that they can get the asset as they make payments through the year. ' Replacement of old assets: This mainly is by those who already have the assets but would like to replace the old with new. ' Replacement of lost/ destroyed property: Especially for the IDPs. ' Business Expansion: e.g. for landlords who would want to build more rental houses given that the materials are also available under this product. Terms ' Waiting period for first loan eligibility for group members ' 4 weeks. ' One should have attended Loan orientation seminar if it is a first loan. ' Saving of the required loan security fund to secure the loan required. ' Group members and Faulu officers' business appraisal. ' Group members guarantee for the customer's loan for group based loans. Benefits ' Easy accessibility to assets. ' Flexible and convenient weekly installments. ' No hidden charges. ' Own choice of supplier for assets. Imara Loan Purpose Loan product used for various purposes by the civil servants, TSC members and employees such as:-. ' Asset Acquisition. ' School fees. ' Business working capital. ' Emergency needs. Terms

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' One must be a TSC member or a civil servant on permanent basis. ' 2 colour passport pictures, original and copy of national ID and employment ID. ' 3 latest pay slips. ' Minimum of two guarantors in cases where the loan amount is more than Kshs.100,000. Benefits ' No collaterals required. ' Flexible repayment period. ' Quick processing. ' Convenient and affordable. ' Top up facility. SAVINGS PRODUCTS Hazina Account:Hazina is an ideal savings account that offers you a great opportunity to save in small amounts for a rainy day. It also enables you meet your day to day financial obligations such as food expenses, rent, medical bills, emergencies and any other bills in a stress free manner. It is affordable and convenient to operate. Benefits ' Easy account opening ' Affordable and flexible ' 24 hours easy access to your money through multiple service outlets across the country i.e Faulu Branches, ATMs, Mobile phones and appointed agents ' Secure place to save (Licensed by Central Bank of Kenya) ' Premium interest rates on your savings Features ' Account opening balance of Ksh. 200 ' Minimum operating balance of Ksh. 200 ' Competitive interest rates of up to 4% p.a on balances above Ksh 3,000 ' Unlimited withdrawals ' Free Daraja card ' 2 free statements annually ' No monthly ledger fees ' No account maintenance fees Hazina Plus We understand that saving for your goals requires hard work and discipline. Hazina Plus gives you a pure savings solution to enable you accumulate your savings and achieve your life's aspirations. Benefits ' Easy account opening requirements ' Affordable ' Secure place to save (Licensed by Central Bank of Kenya)

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' Premium interest rates on your savings Features ' Account opening balance of Ksh. 200/' Minimum operating balance of Ksh. 200/' Competitive interest rates of up to 6% p.a on all balances ' 2 free statements annually on request ' Free Daraja card ' One free withdrawal per quarter. Extra withdrawals will attract a fee ' No monthly ledger fees ' No account maintenance fees Lengo Account Lengo enables you to work towards achieving your short and long term goals. All you have to do is determine your financial target and duration of time over which you will save to achieve your goal.Benefits ' Easy to open and maintain ' Competitive interest rates of up to 6% p.a on all balances above Ksh 3,000 ' Free transfer from your Hazina account ' Automatic access to a loan facility ' Security for your money ' Check off facility for the salaried ' Guaranteed returns ' Free bankers cheque on maturity Features ' Account opening balance of Ksh. 300 ' Minimum operating balance of Ksh. 300 ' Minimum savings plan of 3 months and up to a maximum of 10 years ' Minimum monthly deposit of Ksh. 100 Head Office PO BOX 60240-00200 Nairobi Kenya Email : info@faulukenya.co.ke 3877290-3/7; 3872183/4; 3867504, 3874857 Business Support Centre Ngong Lane, Off Ngong Road P O Box 60240

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00200 City Square Nairobi Tel: 3877290 '3 /7; 3872183/4; 3867503 Fax: 3867504, 3874857 NAIROBI AREA EAST NAIROBI BURUBURU BURUBURU ARCADE TEL. 020 787972 RONGAI -FORMER NATIONAL BANK BUILDING TEL. 020 3871894 LIMURU - KIMUCHU HOUSE TEL: 020 3871894 KIBERA -FORT JESUS TEL. 020 3871894 JOGOO ROAD- NACICO PLAZA TEL. 020 2230357 CENTRAL NAIROBI -BITHA PLAZA TEL. 6752774 NGONG-OROK PLAZA TEL. 020 3871894 GIKOMBA - KIAWAMBUGU BUILDING TEL: 020 2230357 KISERIAN - BETSY COURT TEL: 020 3871894 KAWANGWARE -FORMER CDF BUILDING TEL. 020 3871894 GITHURAI TEL: 6752774 WEST NAIROBI - BERMUDA PLAZA TEL: 020 3871894 CENTRAL AREA KARATINA - RHINO HOUSE

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TEL. 061 72398 NYERI - KONAHAUTHI HOUSE TEL. 061 2030181 KIAMBU - RUMATHI HOUSE TEL. 020 2369826 MURANGA - NGEKA HOUSE TEL. 060 31320 NANYUKI - JIWA HOUSE TEL. 020 2369824 THIKA - ABOVE HFCK BANK TEL. 067 21983 KERUGOYA - WANJAO HOUSE TEL. 068 30809 GITHUNGURI - KARU HOUSE TEL. 020 2369826 EASTERN REGION MACHAKOS - BONDENI HOUSE TEL: 044 20071 TALA - TALA HOUSE TEL: 020 787972 KITENGELA - MILELE COMPLEX TEL. 044 20071 KITUI - CENTRAL TRADE CENTRE HOUSE TEL. 044 20071 MERU - MWALIMU PLAZA TEL. 064 31353 NKUBU - AMCOK BUILDING TEL. 064 31353 MAUA - MAUA METHODIST SYNOD BUILDING TEL. 064 31353

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CHUKA - IRUMA BUILDING TEL. 064 31353 ISIOLO - SAADA BUILDING TEL. 064 31353 EMBU - SPARKO BUILDING TEL 068 30809 MWEA TEL. 068 30809 MATUU - BIDII HOUSE TEL. 067 21983 MWINGI -OSAVINYA BUILDING TEL. 067 21983 EMALI - MBILO BUILDING TEL: 044 20071 WOTE -DOUBLE KEY BUILDING TEL: 044 20071 WESTERN & NORTH RIFT BUNGOMA BUNGOMA TEACHER'S PLAZA TEL. 020 2369827 WEBUYE - HILLSIDE BUILDING TEL. 020 2369827 MUMIAS - KHOLERA HOUSE TEL. 020 2369827 KAKAMEGA - WALIA CENTRE TEL. 020 2369827 KITALE BRANCH - VICTOR HOUSE TEL. 054 30044 MOI'S BRIDGE - SAMOEI HOUSE TEL: 054 30044 KAPENGURIA -SIMKO PLAZA TEL. 054 30044

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ELDORET EAST & WEST ELDORET - JAPARA BUILDING TEL. 053 2060482 KAPSABET - KENCOM HOUSE 053 2060482 BOMET - KIPSIGIS TEACHERS SACCO TEL. 052 22431 KERICHO - ISAN ARCADE TEL. 052 20862 LITEIN -TEGUTO PLAZA TEL. 052 20862 CHEPSEON-CDF BUILDING TEL. 052 20862 KISUMU -JUBILEE INSURANCE HOUSE TEL. 020 2111225 BONDO TEL: 020 2111225 BUSIA TEL. 020 2369827 OL KALOU TEL.06532014 CENTRAL AND SOUTH RIFT NAKURU - GATE HOUSE TEL. 051 2216053 NJORO - STAGE VIEW BUILDING TEL: 051 721571 ELDAMA RAVIN - REJAJA HOUSE TEL. 051 2216053 NAIVASHA - JOSTAS BUILDING TEL. 020 2054461 NJABINI TEL. 020 2054461 NAROK - MAA TOWERS TEL. 020 3516867

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MOLO - DUBAI PLAZA 2000 TEL. 051 721571 OLENGURUONE -BIDII BUILDING TEL. 051 72157 NYAHURURU - KIMWA CENTRE TEL. 065 32014 MARALAL - ARK HOUS TEL: 065 32014 KINAMBA TEL. 065 32014 RUMURUTI TEL.06532014 KABARNET TEL. 051 2216053 COAST REGION MALINDI - LAMU ROAD COMPLEX BUILDING TEL. 042 20403 MPEKETONI - JENIPHAT BUILDING 042-20403 KONGOWEA TEL. 041 2492986 CHANGAMWE - GIDDI MART BUILDING TEL: 041 2492986 UKUNDA - SAIDI MINI PLAZA TEL. 041 2492986 VOI OFFICE - POTTERS HOUSE COMPLEX TEL: 041 2492986 MOMBASA BRANCH-MPC BUILDING TEL: 041 2492986 Bookmark and Share

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