The Trust is committed to the on-going training of personnel and improvements in the management information system. To a large extent, the remuneration and training policies will determine the organization's ability to sustain a program of financial services delivery. Retaining qualified staff entails matching the remuneration policies of competitors. Moreover, trying to develop one is expensive and requires considerable expertise. Since lending is KWFT's core business, the strategy is to keep administrative costs down and link the growth in lending to the availability of funds.
Sustainability is closely related to lending capacity and the level of repayment rates.
Small loans are expensive to administer and KWFT can only survive as an institution by charging competitive interest rates, lending to many women and maintaining a high repayment rate. Credit provision and access is crucial to low-income women. KWFT's experience has been that non-financial services such as client training enhance credit management performance. Therefore, it is important to provide access to these services, especially as part of the overall mission of the institution. Therefore, KWFT has begun to reduce its provision of non-financial services and to develop new means for delivering those services.