Rafiki Microfinance Bank is licensed and regulated by the Central Bank of Kenya, through the Microfinance Act, 2006 (amended, 2013). It is the third largest microfinance institution in Kenya. Rafiki has 19 branches spread across 11 counties in Kenya.

The microfinance bank uses the branches, internet banking, mobile banking, agency banking and VISA ATM network to serve customers. Rafiki offers savings facilities, credit, money transfer services, trade finance forex and banc-assurance services.

The sectors that Rafiki is actively involved are energy, housing, trade, health, education and agriculture among others. Rafiki targets the gap between micro-enterprises and large or medium enterprises, called the missing middle.

  • Economically active low income market with a focus on the youth segment including:
  • Farmers.
  • Salaried & self-employed.
  • Start-ups & existing youth business enterprises.
  • Self-help groups.
  • Investment clubs.

To grow a huge youth brand proposition by focusing on distinctive customer service.

Rafiki Microfinance Bank seeks to be a good corporate citizen in all aspects of its operations and activities. To this end, we have put in place operating principles under the broad heading of Corporate Social Responsibility (CSR) to serve as a guide to the business in all the aspects of our stakeholder interactions.

The principles cover all pertinent stakeholder interaction interfaces, in reference to the relevant codes of corporate governance and best practice. Cumulatively, these principles constitute our CSR policy.

Rafiki recognizes the importance of its role in managing social, economic and environmental issues. To us, CSR is the principal way we seek to co-ordinate and manages practices to maximize positive social and economic contribution and minimize the environmental impacts of our business.

Engagement with key clients, employees, community, environmental stakeholders, regulators, business partners, suppliers and our shareholders is central to our approach to CSR.