First Lady H.E. Rachel Ruto's Joyful Women Initiative (JoyWo) celebrated 16 years of empowering Kenyan women, having circulated over KSh 4 billion and helped launch an estimated 300,000 businesses through its innovative Table Banking model.

• JoyWo, founded on August 29, 2009, focuses on providing financial access to women often excluded from formal banking systems.
• The organization’s success is built on Table Banking, a group-based model where 10 to 30 members meet monthly to save and borrow, with funds growing through peer-to-peer accountability.
• Currently, JoyWo boasts over 240,000 members across more than 16,000 groups, with over KSh 2.8 billion in circulation, and is now leveraging digitisation through mobile table-banking tools.