RESPONSIBLE MICROFINANCE · REGISTRATION KSH 2,000 · WOMEN-LED ENTERPRISE FIRST

FINANCIAL INCLUSION FOR KENYA

Small loans. Lasting livelihoods.

Besma Peniel Savings and Credit Cooperative Society Limited delivers responsible microfinance the way leading international networks serve women and families — locally, with gold-standard stewardship.

Loan calculator Client stories

14,200+

Active members

62%

Women borrowers

94%

On-time repayment

Ksh 2,000

Registration fee

WHO WE ARE

Microfinance with a social heart

Besma Peniel is the microfinance arm of Bethel Cloud Communication Limited, serving members from Coffee Plaza, Second Floor, Nairobi. We exist so traders, parents, chamas, churches, and diaspora Kenyans can save, borrow, and protect assets with dignity.

Our model mirrors the discipline of international microfinance: small, frequent loans; transparent pricing; women-first outreach; and social performance reporting beside the loan book.

Vision

Brighter Better Banking — inclusion that looks professional and feels neighbourly.

Mission

To provide high quality products tailored to customer need across loans, savings, and insurance.

Promise

No hidden fees on advertised products. Passbooks, calculators, and KYC in the open.

SOCIAL PERFORMANCE

Impact the way global microfinance is measured

Like leading international microfinance networks, we measure success by women-owned enterprises, household nutrition, and school continuity — not only portfolio size.

8,800+

Women-led businesses financed

1,100+

School fees cycles completed

240+

Active chamas

Membership account types

HOW IT WORKS

Four steps to a working facility

Register

Pay Ksh 2,000 and complete KYC with ID and KRA where required.

Save

Open the right account. Shares unlock full membership and borrowing power.

Assess

Use the live calculator. Business loans cap at 3x savings; chamas at 10x.

Disburse

Kwamua same day. Reducing-balance products follow statement review.

Kwamua Instant Loan

Same-day processing for short-term needs at 15 percent flat interest. Ideal for stock top-ups.

Business Loan

Up to 3 times your deposit savings. 1 percent per month on a reducing balance. Requires permits and 6 months of statements.

School Fees Loan

Strictly for education bills at 1 percent per month on a reducing balance, aligned to term dates.

11 Membership Account Types

Choose the account that matches your household, church, company, or chama. Search above to filter.

1. MIN 5,000

Shares Account

Minimum Ksh 5,000 for full membership shares: 500 units at Ksh 10 each plus Ksh 500 search fee.

2. MIN 500

Savings Account

Minimum operating balance of Ksh 500 with flexible deposits and weekly statements.

3. MIN 1,000

Current Account

Transactional operating account with no fixed lock-in, aligned to daily business cashflow.

4. MIN 1,000

Juniors Account

Account that assists parents to plan for their children. Minimum balance of Ksh 1,000.

5. MIN 10,000

Group/Corporate Account

Requires group resolution, registration certificate, KRA PIN copies, and identity cards for all signatories.

6. MIN 5,000

Institution/Church Account

Introduction letter signed by the Bishop or a senior pastor, plus signatory identification.

7. MIN 15,000

Company Account

Board resolution, certificate of incorporation, CR12, and director identification documents.

8. MIN 2,000

Individual Account

National ID, KRA PIN, and passport-size photograph for personal membership banking.

9. MIN 5,000

Diaspora Account

Certified national identity or passport copies, plus introduction letter for Kenyans abroad.

10. MIN 1,500

Business Account

KRA PIN, national ID, and a minimum of 100 share units at Ksh 10 each plus Ksh 500 search fee.

11. MIN 3,000

Chama Account

Chama members can borrow up to 10 times their savings with group guarantees.

Loan Eligibility and Repayment Calculator

Requested amount (Ksh)Deposit / savings (Ksh)Tenor (months)

Eligible amount

Ksh 20,000

Monthly installment

Ksh 3,833

Total payable

Ksh 23,000

Business cap (3x)

Ksh 45,000

Chama cap (10x)

Ksh 150,000

Kwamua uses 15 percent flat interest and processes the same day.

CLIENT VOICES

Stories from the book

Ksh 45,000 business cycle

Amina Hassan

Gikomba textiles · Nairobi

“Three small cycles of credit restocked my stall. I now employ two assistants and bank weekly.”

Ksh 18,000 instant + cover

Peter Kariuki

Boda and spare parts · Thika Road

“Kwamua processed the same day. Insurance loan kept my bike on the road legally.”

Ksh 32,000 school fees

Faith Chebet

Dairy kiosk · Nakuru

“School fees loan paid on reducing balance. My daughter sat KCSE without interruption.”

Ksh 210,000 group facility

Umoja Chama

Women table banking · Eastlands

“We borrowed 8 times our pool and opened a second cereal store.”

Service network

Coffee Plaza Headquarters

Nairobi CBD
Onboarding, loans desk, diaspora
4,800+ members

Eastlands Service Point

Donholm
Chama and juniors
1,240+ members

Nakuru Partner Desk

Nakuru Town
Dairy and youth traders
860+ members

Diaspora Desk

Remote / UK & UAE
Certified ID onboarding
310+ members

News & insights

2 Sep 2026

Women traders exceed 62 percent of active loan book

Social performance review confirms majority women borrowers with on-time repayment above 94 percent.

18 Aug 2026

Digital passbooks now issue in under two minutes

Online membership onboarding completes verification and prints a digital passbook voucher instantly.

4 Aug 2026

Church and institution accounts opened for CFC ministries

Pastors and committees can hold dedicated operating accounts with dual signatories.

1 Aug 2026

Mama mboga business loan

Mama Mboga loan book opens for business loans.

1 Aug 2026

Welcome to besma MFI

Besma Peniel MFI welcomes its first client, the Coffee Plaza Church, to its membership program.

Instant Online Membership Onboarding

Frequently asked questions

Kenyan citizens and diaspora members with valid ID, KRA PIN where required, and the Ksh 2,000 registration fee.

Headquarters

Coffee Plaza, Second Floor, Nairobi

Phone

0712 228490

Email

besmapeniel@gmail.com

Post

P.O. Box 956-00502 Nairobi