Who We Are?

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.

What we offer:

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.

150,000+

Customers Empowered

Ksh. 5 billion+

Borrowed
Customer Rating

Our Success Stories

Our partners work with us because they believe in the value of our platform.

Lawrence Kioko is a budding business man operating in Machakos town. The urge to be self-employed led him to quit employment in the year 2000 to venture into business. He operates an electronics and second hand shoes shop and has recently ventured into agribusiness.

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Lawrence Kioko

Business Loan

Eight years ago, a number of boda boda operators from Nakuru West came together to form a Chama. That Chama registered as Kianjahi Housing Co-Operative Society Limited on 6/10/2011 and began the process of member recruitment among other operators in the same zone. By September 2015, the group had 122 active members each contributing Kshs. 2,000 per week.

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Kianjahi Housing Project

Housing Loan