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Who We Are

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YMSL is a financial services organization that models itself after the Grameen Bank in Bangladesh. We use a group-based lending methodology and work exclusively in rural and peri-urban Coastal Kenya. Yehu offers savings and a variety of loan products to its clients. Credit officers travel by foot, or on motorbike to meet weekly or bi-weekly with clients, 80% of whom are in the remote Coastal villages in Kenya.

Due to poor road networks and infrastructure in the rural areas, all loan disbursements to the clients and savings deposits from the clients are made through a network of local banks and post office outlets. This ensures that the services dispensed are within the client’s vicinity and not more than 20 minutes walk.



To become the preferred MFI in Kenya, that responsibly provides innovative and sustainable financial solutions to socio-economically marginalized rural entrepreneurs.



Empower rural marginalized entrepreneurs socially and economically through enhanced accessibility to innovative, affordable and sustainable financial solutions that are environmentally friendly.



To provide opportunity to improve livelihoods through the provision of responsible and sustainable innovative financial solutions.

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