Let tomorow begin today.

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

Our main focus is to promote financial and social support to our clientele hence Change Lives.

Our Mission

To provide affordable financial services that positively transforms and enriches communities.

Our Vision

Empowered and dignified communities

Our Impact

We have disbursed 40,000+ loan disbursement with the value of 700 Million Kenya Shillings.
Rafode aims at empowering women, majority who are among the marginalized groups; while we serve both women and men, women outreach has grown to 85%. Rafode focuses itself in rural areas. The number of clients continues to grow as Rafode leverage on technology in delivering its Financial services

Our Core Values

The mission will be delivered guided by strong values which are the core of RAFODE’s operations. The values (abbreviated as SIIDE) are as follows:


Responsibly manage resources bestowed to the institution in the delivery of services to the communities.


Endeavour to be upright, accountable, transparent and diligent in their service to the communities.


Seek to offer financial solutions that match the community’s needs through development of competitive, affordable and client driven financial products and services. It is for this reason that we have integrated our system with M-PESA


Appreciate working with all members of the community.


Rafode shall consciously seek to understand communities it works with,with a view to offer quality service

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