Musoni Microfinance

How to apply

1. Visit or call your nearest branch

Get in touch with us. Diall USSD *646#

Our Staff are available to answer all questions and requests. Get more information on branches here

2. Apply for a loan

Musoni Wealth Creation Officers (WCOs) will guide you through this simple process using the latest tablet and software technology. Group clients will get 4 weeks of professional training.

Dial USSD *646#

What is required:

Individual Loans

  • Original ID, PIN
  • Valid M-PESA number
  • Business permit/ registration certificate
  • Business records for at least 6 months
  • Business operations for at least 12 months
  • Loan security (Log Book, Title Deed, House hold goods, business assets)
  • Bank and M-PESA statements for at least 6 months

Group Loans

  • Original ID
  • Valid M-PESA number
  • 10-30 members, each with businesses, farming, at least 6 months

3. Receive your money

  • Once approved, your loan will be sent via M-PESA for you to start investing. Our staff are available to offer training as you grow your business or farm
  • Bank Transfers (RTGS)
  • Business permit/ registration certificate

4. Repay your loan

Repay your loan at anytime, anywhere using M-PESA.


Who is Musoni Microfinance Ltd?

Musoni Microfinance Ltd is a microfinance institution (MFI) providing financial services through mobile payments.


Is Musoni Microfinance Cashless?

Yes. Musoni Microfinance is the first 100% mobile payments microfinance institution in the world, completely cashless.


When was Musoni Microfinance Established?

The company was established in 2009


Who does Musoni Microfinance Ltd Target?

Musoni targets unbanked clients in Kenya. The current geographical focus is urban and semi-urban but also expanding into rural areas


What types of loans does Musoni Microfinance Offer?

Musoni provides group loans, individual business loans, agri-business loans, emergency loans and education loans.


What does the word Musoni Mean?

The name ‘Musoni’ consists of m for ‘mobile’ and the Swahili word usoni which means ‘future’

© 2018 Musoni Microfinance Ltd.