Productive Asset Loans
Qualified and skilled customers have access to asset financing for productive tools to start or expand their businesses. This loan product increases asset ownership among women and adolescent girls which is currently minimal in under-served markets. We distribute targeted mobile-based financial literacy content which covers asset management to increase productivity.
‘Biashara’ means business in Swahili. Our customers are members of registered self-help groups within their markets of operation – we are able to map and track their business growth. We provide them with business loans that are intended for diversification of product lines, increase of working capital, increase of stock and access to new markets.
Renewable Energy Loans
We finance energy saving cooking stoves and affordable portable solar lamps for micro-businesses. Women micro-entrepreneurs are able to extend their business working hours and earn extra income.
‘Kilimo’ means agriculture in Swahili. Agriculture is the backbone of African economies. Kilimo Loans finance high yield seeds, pesticides, green house kits, high breed dairy cattle, fisheries and poultry. We connect farmers to input supplies and direct market through our mobile platform to increase efficiency in the supply chain.
There are fewer women getting access to opportunities in the digital economy particularly in the business ecosystem. We partner with smartphone manufacturers to reduce the cost of access to smartphones through a pay-to-own model.
Water, Sanitation & Hygiene Loans
This loan aims to provide our clients with high quality tanks for harvesting and storing clean water, water filtration kits, pumps and improved sanitation facilities. We provide clients with information on water footprint, hygiene and sanitation as they use the assets for domestic reasons, water retail and farming activities.