1. Group Loans

K-Rep’s micro credit portfolio consists of three types of group loans:-

• Juhudi
  Made of groups of 3-8 individuals – both men and women who K-Rep forms into one big group.
• Chikola
  Made of voluntarily formed groups of on average 20 members
• Kati-Kati
  Made of groups 5-10 existing clients who have outgrown the above two groups

2. Government Sponsored Program