Kenya Women Finance Trust offers group loans using two main approaches:
- One is based on four groups of five women (a watano) coming together to form a kiwa.
- The second is based on pre-existing groups of up to 30 women.
In both loan schemes, women are required to save as a requirement for accessing credit. Loans are disbursed to individual members directly, with repayment and collections being the primary responsibility of the group. The majority of KWFT's loans are business loans. A small percentage is given for education and healthcare. Village banking scheme since 1999.
In 2002, KWFT began a pilot individual lending project.