Pamoja Digital Financing started its operation in August 2019 and first loan was issued in October 2019 in Embu branch. The micro finance focus on rural and Agriculture financing. Pamoja is the 1st micro finance to implement technology and touch in its service delivery. All our loans are disbursed and repaid through mobile platform, as well customer registration done through mobile field applications.

Pamoja delivers financial services that bring financial and social impact to our clients through her core financial products namely Individual Loans, Group Loans, Quick loans, Housing loans and Clean Energy Loans.

Pamoja digital operates in 5 locations covering 5 counties in the republic of Kenya. Over 72% of the agribusiness loans are to women and small holder farmers.

Impact by numbers

Tuinue Kilmo na Biashara

72 % Female Clients

44 % Youth

80 % Rural Outreach

4300 Household Impact

Over 1200 clean energy products

KSH 19,383.80/= Average loan size