What You Should Know About Rachel Ruto's Joyful Women Initiative
The organisation’s structure is designed to serve women who are typically excluded from formal financial systems due to lack of collateral, low financial literacy, or time and mobility constraints...
✨ Key Highlights
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.
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President Ruto Promotes Housing and Hustler Fund at Joyful Women Initiative's 16th Anniversary - November 2025
First Lady H.E. Rachel Ruto's Joyful Women Initiative (JoyWo) celebrated 16 years of empowering Kenyan women at an event at Kasarani Stadium (2, 13). At the celebration, President William Ruto urged women to utilize government affirmative action initiatives, such as the Hustler Fund, for economic empowerment (8). The President also encouraged women to purchase homes in the government's Affordable Housing Projects (13). To date, the JoyWo initiative has circulated over KSh 4 billion through its innovative Table Banking model. The program is estimated to have helped launch 300,000 businesses (2).
