Breathing life into the community

Governance and Leadership

Yehu adheres to all relevant laws and regulations. We continue to strengthen and align our governance structures, policies and procedures to support our operating environment and strategy.

The company is led by a competent Board under the leadership of Dr. Rita Lugogo with a strong social vision of empowering the socio-economically marginalized, in the rural Kenya.

Unique Entity

Yehu Microfinance Services Ltd (YMSL) provides a unique entity in the provision of financial services to the low segment of the market. It predominantly focuses on the rural poor of Kenya through an adapted Grameen group lending model.

Rapid Growth

This model has seen it rapidly grow in the Coastal Region of Kenya in the last 22 years and it has now successfully replicated the model in Eastern Region of Kenya with over 50,000 clients largely women and the youth, served through 15 branch outlets.


Yehu focuses on empowering socio-economically marginalized rural entrepreneurs through provision of financial literary and financing for creation and enhancing of businesses through loan products under: Business, Agriculture, Green energy, Asset, Micro-insurance, water & sanitation, education and consumer loans thereby improving their social and economic welfare.


Its Management is under Mr. Adet N. Kachi, a Microfinance Specialist and accomplished strategist who has been the driver of the rapid growth of the company experienced in the last 10 years, an average clientele growth rate of 40 per cent per annum.

Meet Our Executive Board Team

Board Chair Person

Dr. Rita Lugogo

As the founder of the microfinance, she carries the vision of Yehu. Dr. Rita is passionately involved in community development in rural Coastal region through Choice Humanitarian, an International NGO whose Head office is in Utah, USA. She holds a PhD in human nutrition and was once a lecturer in the now Egerton University before she got fully immersed in community development activities.
Chief Executive Officer/Board Secretary

Mr. Adet N. Kachi

Mr. Adet has been at the helm of the organization as its Chief Executive Officer for more than 10 Years. Adet Kachi brought into the organization impeccable international experience having worked in Southern Africa in the same field before joining Yehu.

He has been instrumental in its tremendous growth and positioning in the Microfinance space both in Kenya and other African Countries. He is well endowed with strategic managerial skills besides being a microfinance expert.
Mr. Adet is also a part time lecturer in a local University. He is pursuing a Doctorate degree in Business Administration

Board Member

Mr. Nabil Adamjee

Mr. Nabil Adamjee has extensive experience in entrepreneurship with a wide network as a Rotarian. As a businessman, he runs a mining company and has extensive interests in green energy. He is the newest member have served barely one year.
Board Member

Ms.Faith Kanaga

Faith Kanaga serves as a Non-Executive Director of the company as well as in the Governance Committee and Credit & Funding Committee.

Faith is an Advocate of the High court of Kenya, Certified Secretary, Arbitrator & Accredited Mediator (MCIArb). She has been a private practice legal practitioner for over 15 years and has gained extensive experience & expertise in providing clients with legal consultancy, advisory and transactional services. She holds a Bachelors degree in Law from Moi University and Postgraduate Diploma in Law from the Kenya School of Law. She also holds certifications as a Certified Secretary from the Institute of Certified Secretaries of Kenya and an Arbitrator and Accredited Mediator from the Chartered Institute of Arbitrators.

She is the Managing Partner of Kanaga & Associates, a Nairobi based law firm specializing in corporate law, commercial law, corporate governance, banking law, company secretarial, alternative dispute resolution, intellectual property law, legal & compliance audits, and real estate & conveyancing. She has previously worked at Miller & Company Advocates Mombasa as an Associate Advocate and at Macharia Mwangi & Njeru Advocates in Nairobi as head of Commercial & Conveyancing Department.

She is a member of the 3 professional associations namely Law Society of Kenya, Institute of Certified Secretaries of Kenya and the Chartered Institute of Arbitrators. Faith also currently serves on the Boards of Kenya Open Golf Limited and Rotary District 9212 (Kenya, Ethiopia, South Sudan & Eritrea) as District Legal Advisor. She has previously served on the Board of Organization for Women in International Trade Kenya Chapter and as District Secretary at Rotary District 9212.

Board Member

Mr. Yusuf Oreu Lugogo

Mr. Yusuf Oreu Lugogo is a holder of Bachelor in Science and commerce Finance Option. Having expertise in Performance Management, Quality Management System (ISO 9000), project management, strategic planning, compliance, and Risk management. He has worked in the public and private sectors and currently working as a Country Director Choice Humanitarian organization
Board Member

Ms. Jeth Wanjiku Maina

Madame Jeth Wanjiku Maina holds a Masters in Business Administration (MBA- finance option, Bachelor of Arts in Economics and sociology – BA Economics and sociology
She is a member of ICPAK practicing as Internal Auditor, Risk Management , Operations and quality management systems in public and corporate sectors.
Board Member

Ms. Susan Waceke Mutuiru

Waceke is a highly qualified Risk and Compliance practitioner with over 12 years of multi-industry experience who is responsible for leading the design and placement of risk management along with regulatory compliance programs to mitigate company exposure and transfer appropriate levels of risk.

Waceke holds a Bachelor of Science degree in Actuarial Science as well as various risk management certificates in operational risk and IT risk.

She is a member of the Institute of Risk Management (IRM) and Information Systems Audit and Control Association (ISACA)
Waceke is the head of risk management at Britam General Insurance, a leading insurance company in Kenya. She is also a non-executive director of Solidaridad East and Central Africa and sits on the Africa Supervisory Board for the organization.

Board Member

Ms. Rose Nekesa Maruti

Rose is a seasoned HR professional with immense experience as an HR generalist having worked in the Banking, Telecommunications and Manufacturing industries for the last 24 years both at strategic and operational levels. Her areas of specialization include Strategy formulation & implementation, Change Management, Governance, Organizational Design, Talent Management & Development, Rewards Management, HR Operations, Global Mobility and Employee Relations.

In addition to her HR career, she is currently a Non-Executive Director at Yehu Microfinance Services Limited, leading the Governance Committee and a member of the Sustainability & Social Performance Committee; she is a Board Committee Member of the Finance & Partnerships Committee for Women on Boards Network; and also a Certified Trustee under the Retirement Benefits Authority, having served as a Trustee and Trust Secretary for Unga Holdings Limited Staff Pension Scheme for 3 years and currently a Trustee of Mastermind Tobacco Kenya Limited Staff Retirement Scheme.

Rose is a full member of the Women on Boards Network and a Practicing member of the Institute of Human Resources Management (IHRM). She is also a Mentor under the Global Give Back Circle (GGBC) which is funded by Mastercard Foundation to provide mentorship to aspiring young leaders in Africa and a member of The Boardroom Africa Network. She also offers HR Consultancy Advisory Services.

Currently Rose is the Head of Human Resources & Administration at Mastermind Tobacco Kenya Limited. She holds a Master of Business Administration (MBA) from Strathmore Business School and a Bachelor of Commerce degree majoring in Management Science and Business Administration from Strathmore University. She also hold a Diploma in Human Resources from the Kenya Institute of Management (KIM) and have undergone extension training in areas of Leadership, Performance Management, Finance and Mentorship among others. Rose has also undertaken the 4BY4 Leadership Training by Sunny Bindra and the Trustee Development Programme of Kenya and certified as a Trustee

Board Member

Ms. Anne Mwasi

Anne Mwasi bring over 20 years’ accumulated experience both from the Financial sector and the Public sector and is currently a Non-Executive Director at Yehu Microfinance Services where she serves at the Audit Committee, as well as Social Performance and Sustainability Committee. Outside Yehu, She serves as the CEO/Board Secretary at Nyamira County Public Service Board.

Previously, Anne has held different roles as a Chief Finance Officer at JamiiBora Microfinance and as the Chief Internal Auditor at Musoni Microfinance.

Anne has served as a Board Member at The Institute of Internal Auditors. Due to her contribution, She was co-opted as a Training Committee member steering the Good governance in both public and private sectors.

Anne is a holder of Master’s Degree in Business Administration from The University of Nairobi and is currently defending a Doctorate Degree at the same University focusing on ‘Gender Diversity in Boards, Board Capital, Firm Characteristics and Performance of Microfinance Institutions in Kenya.

She is a Certified Secretary, a Certified Internal Audit Quality Assessor and an accredited Governance Auditor with distinct expertise in Corporate Governance, Risk Management, Finance management, Value Based Leadership and Internal Audit.
In line with her passion for leadership, she co-founded Nyamira County Women in Leadership Caucus where she nurtures her ambition to provide leadership advisories and mentorship programs to young women aspiring to grow up the ladder. Anne is a member of several bodies including The Institute of Directors, The Institute of the Certified Secretaries, The National Public Service Boards Forum, The Association of County Public Service Board Secretaries and The Women on Boards Network.