'Women lack capital, not ideas’: First Lady calls for greater financial inclusion

Speaking at the Joyful Women (JoyWo) 16th Anniversary Celebrations in Kasarani, Nairobi, the First Lady shared inspiring stories of women whose lives have been transformed through the initiative. 

“Mrs Gitobu from Meru, who joined a small group in 2013, grew her dairy farm and built rental properties, while Diana from Nairobi turned 500 shillings into 400,000 shillings and now runs Amari Dina, selling honey, peanut butter, and skincare products across supermarkets,” she stated.

“These women show what happens when given opportunity. Women do not lack ideas. Women are diligent. They have only lacked access to financial capital,” she added.

Rachael praised government initiatives such as the Hustle Fund, the Nyota Fund, and the Women Enterprise Fund, noting that these programs are breaking financial barriers that have historically held women back.

She described the organisation’s growth as a mugumo tree, saying, “Joyful Women is no longer a seed, it is a mighty mugumo tree, rooted, unbreakable, and evergreen. Its roots are women of courage, vision, and determination spread across our counties.”

Mama Rachel further stated that the organisation’s strength lies in its unity and strength to bear the weight of shared stories.

“Its branches are the opportunities we've created together, stretching across businesses, families, and communities. Its leaves are women who continue to grow, vibrant, multiplying hope and possibility,” she said. 

The First Lady emphasised the transformative potential of the next 16 years.

“My sisters, you are no longer the women who were told no. You created your own, yes. You are the backbone of this economy, the heartbeat of your homes and the architects of Kenya's future.”

Founded in 2009 by First Lady Rachel Ruto, JoyWo has empowered more than 20,000 women spread across 47 counties in the country.

The event, attended by President William Ruto, celebrated both individual achievements and the broader mission of women’s economic empowerment. 

“Ningependa nimpongeze Mama Rachel kwa kuanzisha kikundi hiki ambacho kimefikia zaidi ya wanawake 2,050, miaka 16 baada ya kuanzishwa kwake,” the Head of State said.