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“8 ps” Feature Benefit Brand Name  Fadhili Maji Chap Chap loan Easy to remember Target Market Fadhili registered clients doing activities which include households, families and farmers in agri-business, commercial activities. Objective To finance all clients to acquire water technology, farming machinery, water machinery  and equipment ranging from water from house gutters, water pans, private and commercial dams, rain water harvesting, water storage, water distribution, borehole construction and dressing, construction of domestic and commercial biogas plants, improvement of sewerage and reticulation systems Product design Access requirements Loan shall be accessible to:  Should be registered members of Fadhili  Aged between 18-70 years or anyone insurable Borrower with a good repayment record  Borrower willing to provide guarantee of repayment and also be guaranteed by all members from the group. They must be registered in a formal group. He / She should have a viable business project with revenues and incomes to be able to repay loan timely and sufficiently Loan size The loan size is dependent on the needs of the client i.e. Size of the house , factory or farm The client will be given loan equivalent to the water needs accessed and approved by Fadhili  Extra loans will be restricted to maintenance and working capital needs of water equipment installed  From Kes 3,000 to Kes 5,000,000 per acre depending on the approved works and subject water equipment   Loan Term  Repayment period of up to a maximum of 36 Months, with a moratorium of 1 -4 months (subject to T&C)   Up to 90% financing, with flexible collateral terms Enough repayment periods to repay the installments. Repayment frequency The repayment will be monthly Per season or Harvest depending on business venture Enables client to pay in small manageable instalments Security/Collateral All Fadhili active members in the existing active centers. Household’s items or any other prearranged / pre committed collaterals Easy collateral Grace Period Dependent on the crop duration From 30 days to maximum of 180 days depending on approved works and subject water equipment   Enables to have time till harvesting water  Price Interest Interest of 3.5% per month Affordable  Loan insurancefee. 1% or Kshs.1,000 of the loan amount whichever is higher. Or as Guided by the insurance service provider No pressure on self/family to repay in case of the covered risks (Death or permanent incapacitation). Promotion Marketing information Brochures and flyers Social media Marketing through the existing centres and groups. Well informed & knowledgeable customers Promotional materials Pens& rulers, T-shirts, Caps, Key-holders, umbrella, Incentives Place Location  Fadhili micro enterprises offices across the country Available every where across all the Kenyan counties. Convenient because it is reachable by all. Less costs of transport and time Positioning Slogan/Vision/tagline “Vuna Maji Chap Chap” Benefit statement . cheap affordable  Clients’ welfare Unique selling proposition To be developed from benefits reported by clients as they start enjoying the service. Product Image To be developed from benefits reported by clients Corporate image To be developed from benefits reported by clients Physical Evidence Passbook (repayment schedules) Provided on loan disbursement  Protects one from penalties and clarity of installments information. Copy of the loan agreement Copy provided to client and proper signing done during disbursement. Ones right People Customer service Positive staff attitude in customer handling Very experienced and competent staffs. Customer valued as he/she is the reason for our existence. Process Loan processing time Once approved and applied on the system it will be instant Faster, saves time and the situation at hand. Length of application forms 1- 2 pages Not tedious Clarity of application forms Simple, clear and easy to understand Easy to understand Business Rules Facilitation fee/Interest repayment Interest is recovered before principle Amount disbursed is 100% of request and costs added to amount due.

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February 22, 2024

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