MICROHOUSING
Access of affordable micro-housing solutions has transformed the lives of thousands of families in Kenya as – It is not just a micro-housing portfolio – it is access to 13 of the 17 Sustainable Development Goals (SDG’s) all under one roof i.e. they include:
(1) No Poverty
(2) Zero Hunger
(3) Good Health and Well-being
(4) Quality Education
(5) Gender Equality
(6) Clean Water and Sanitation
(7) Affordable and Clean Energy

About Habitat for Humanity:
Habitat for Humanity is a non-profit housing organization working to empower people in the world’s poorest communities to overcome the chronic lack of decent housing.
Partnership with KWFT:
With over 80% of KWFT customers residing in the rural & peri- urban areas, majority are financially excluded in accessing loans for housing projects. KWFT developed the Nyumba Smart loan product which has enabled families to construct, renovate a house expand a house or finish a house using locally available materials.
Impact
- 107,900 Kenyan families have access affordable better housing and improved living conditions which has enhanced increased their social status in the society.
- USD 59,377,089.91 has been disbursement since the products inception i.e. 2014 to date.
KWFT has impacted thousands of families through the Home Improvement portfolio.
- Grace Kamene Mutua : A jovial lady with great business acumen that we can learn from

WATER SANITATION & HYGIENE (WASH)
SGD 6 – Clean Water and Sanitation is imperative as it reinforces the fight on poverty reduction, upholding the dignity of families, promotion of good health and well-being, environmental sustainability, and economic growth.
KWFT advocates for the consumption of clean water and sanitation and has thus partnered with like-minded partners to support families in Kenya to have access to the WASH products portfolio.

INTRODUCTION:
SGD 6 – Clean Water and Sanitation is imperative as it reinforces the fight on poverty reduction, upholding the dignity of families, promotion of good health and well-being, environmental sustainability and economic growth.
KWFT advocates for the consumption of clean water and sanitation and has thus partnered with likeminded partners to support families in Kenya to have access to the WASH products portfolio.
About Water.org:
Water.org is a global nonprofit organization working to bring water and sanitation to the world. We want to make it safe, accessible, and cost-effective.
Water.org helps people get access to safe water and sanitation through affordable financing, such as small loans. Water.org gives everything every day to empower people in need with these life-changing resources – giving women hope, children health and families a bright future.
Partnership with KWFT:
Thousands of families in Kenya lack access to clean water at the households resulting to:
- Spending a lot money buying in water
- Women traveling long distances in search of water
- Children missing school to fetch water from the rivers and the dams
- Health risks such as backbone related problems due to carrying heavy jerry-cans of water
- Waterborne diseases since the water is not very clean for consumption.
This partnership has enabled families to benefit from the KWFT WASH Portfolio designed to address the above needs. Now families have access to:
- Affordable water harvesting solutions i.e. water tanks
- Water purifiers
- Facilitation and sinking boreholes and toilet facilities.
Impact
Through this partnership:
- KWFT has developed new WASH products i.e. sinking boreholes, making dams and sanitation facilities.
- Developed an E-learning app for staff to enable them have ready access to Wash information especially on the products offered by the bank.
- 648 staff were trained on customer service and selling skills to support the Wash portfolio.
CLEAN & RENEWABLE ENERGY
SDG 7 – Affordable and Clean Cooking Energy – is a key driver of the UN Sustainable Development Goals (SDGs) success, yet lack of affordable clean cooking solutions is one of Kenya’s most pressing health and environmental concern.

INTRODUCTION:
SDG 7 – Affordable and Clean Cooking Energy – is a key driver of the UN Sustainable Development Goals (SDGs) success, yet lack of affordable clean cooking solutions is one of Kenya’s most pressing health and environmental concern.
About Kenya Off-Grid Solar Access Project (KOSAP)
KOSAP is a flagship project of the Ministry of Energy, financed by the World Bank, aimed at providing electricity and clean cooking solutions in the remote, low density, and traditionally underserved areas of the country.
The Project is part of the government’s commitment to provide universal access to electricity in Kenya by 2022 as well as create the impetus for growth in achieving Vision 2030.
The project targets to increase the uptake of clean and renewable energy in 14 marginalized counties, that is West Pokot, Turkana, Marsabit, Samburu, Isiolo, Mandera, Wajir, Garissa, Tana River, Lamu, Kilifi, Kwale, Taita Taveta, and Narok Counties.
Partnership with KWFT:
KWFT has partnered with the Ministry of Energy since June 2020 to ensure that thousands of families residing in marginalized and rural areas in Kenya have access to affordable clean cooking solutions.
Impact
- 627 households from 5 marginalized counties i.e. Isiolo, Marsabit, West Pokot, Turkana and Samburu Counties have benefited from the clean cook stoves as at December 2021.
- Ksh 2,381,064 has been disbursed as at December 2021
- Fostered good health and well-being at the family level
- Conservation of the environment
- The efficient cook stoves has enabled families save on cost of buying expensive fuel.