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Financial Inclusion Fund — State Department for Financial Services · Source: National Government of Kenya
Mobile-first micro-credit and savings fund accessible via *254# USSD code or M-PESA, Airtel Money, and T-Kash apps. Personal loans from KES 100 to KES 50,000 based on credit score and repayment history (starts low, grows with consistent repayment). Group loans up to KES 250,000. Bridge Loan available for graduates reaching up to KES 150,000. Over 24 million Kenyans registered. 8% interest p.a., repayment in 14 days.
Official SourceTotal
Ksh 50,000,000,000
Disbursed
Ksh 36,000,000,000
Remaining
Ksh 14,000,000,000
Beneficiaries
Micro-entrepreneurs, youth and low-income individuals with mobile money accounts
Unsecured mobile loans from KES 500 to KES 50,000 via M-PESA, Airtel Money and other platforms
Loans to registered small businesses and self-help groups, KES 50k–250k
Borrower savings component — 5% of each repaid loan goes to a personal savings account
Unsecured mobile loans from KES 500 to KES 50,000 via M-PESA, Airtel Money and other platforms
Loans to registered small businesses and self-help groups, KES 50k–250k
Borrower savings component — 5% of each repaid loan goes to a personal savings account
FY 2023/24 disbursements — 22M+ registered users, expanded SME loans
SourceFY 2022/23 total disbursement — 14M+ transactions to individual borrowers
SourceLaunch disbursement — first 2 million borrowers via mobile money platforms
SourceHelp investigate whether this fund is actually reaching young people. Answers feed the AI accountability brief below.
1. Have you or someone you know tried to access services under this fund? Describe the experience, including any barriers.
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2. Have you or someone you know ever applied for this youth fund? Describe your experience, including any challenges faced during the application process.
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Niliapply online lakini document upload ilikataa mara mob
3. Based on what you have seen in your community, is this fund reaching the young people who need it most - particularly PLHIV and young women?
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4. Based on your community's experience, do you believe this fund is reaching the young people who need it most? Explain your answer.
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5. What information about this fund should government agencies publish to improve transparency and public trust?
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6. What information about this fund should be made public to build trust (facility list, amounts released, beneficiary numbers)?
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7. Have you observed delays, stockouts, turned-away patients, or unfair treatment linked to this fund?
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8. Have you observed any delays, irregularities or unfair practices in the allocation or disbursement of this fund? Please describe what happened.
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Women and youth with disabilities need accessible venues and earlier communication, not last-minute notices
9. What improvements would make green and digital funding opportunities more accessible and inclusive for youth, women and persons with disabilities?
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More local radio and WhatsApp notices would reach ppl outside town
10. What would make SRHR and HIV services under this fund more accessible, dignified, and free of stigma?
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Debate ideas, submit recommendations, and vote to build youth consensus on this initiative.
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This would build more trust if updates came through local youth groups
Women Enterprise Fund ni poa but mixed youth groups wanaulizwa maswali mingi
Wantam see how much went to training versus actual equipment
This would build more trust if updates came through local youth groups