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Cashless Mobile Transactions
Rafode loans are sent and repayment received through mobile platforms
Asset Financing
Great flexibility in repaying
Loans are sent within 72 working hours after approvals
Efficient Fast Operations


RAFODE is a growing non deposit taking Microfinance Institution Headquartered in Kisumu Kenya. It is a high quality micro financial services Institution which leverage on Information Communication Technology (ICT) to manage its operation efficiently and which enables it to scale rapidly in rural areas as it delivers better service to clients.

Promoting financial and social support in rural areas hence changing lives

Phoebe Akello Oyola

Trader at Kibuye Market

Phoebe akello oyola is a trader at the Kibuye market in Kisumu County. She joined Rafode Ltd in the year 2011. She is currently servicing her 5th loan of 800,000 Kenya shillings. ‘I would run my egg business by buying from other traders in kibuye but I realized I would make more sells if I would obtain a probox car that would help me get the eggs from Uganda and supply to the traders at a wholesale price.When i approached Rafode Ltd and told them my plans they offered me an Asset loan (Probox vehicle). It has made me make more sells and hence develop my business.’ They also gave me a top up loan that i use to run my charcoal business at the Kibuye market.

‘Rafode Ltd has helped grow my business with their timely loans and especially the emergency loans that they offer apart from the normal loan products; as a result I supply my eggs to almost all shops in Kisumu city.’

IFCMESPTENVESTUS African DevelopmentSafaricomOxfam NovibHivos People Unlimited