Empowering Households,
Enabling Growth
At Jiwambe, we believe that financial access is key to creating security, stability, and economic growth for families and businesses. Our mission is to empower households by providing affordable and flexible financing solutions tailored to their needs. Whether it’s improving living conditions, transitioning to electric mobility, or streamlining collections, we offer practical, technology-driven financial services that make a real impact.
We recognize that households, not just individuals, are at the heart of our work. By focusing on homeowners, gig workers, and small business owners, we help families build secure homes, increase their income, and gain financial stability.
Our Story
Though Jiwambe has no direct translation, it subtly connects to Swahili words like:
- “Jumba” (large house) – signifying growth and expansion.
- “Jiwe” (stone) – representing resilience and stability.
- “Wimbo” (song) – symbolizing harmony and continuity.
- “Jiwa” (soul or spirit) – embodying the essence of impact and purpose
This connection to African linguistics and cultural identity ensures that our brand is both memorable and adaptable.
Jiwambe’s story began with a simple, yet powerful vision: to empower individuals and communities across Africa with accessible financial solutions. The journey started with a desire to address the challenges faced by many in securing stable housing and sustainable transportation.
The name “Jiwambe” itself is a testament to our commitment to innovation and cultural resonance. Initially, we were inspired by the Swahili phrase “Jumba Jiwe,” meaning “strong house”—a symbol of stability and progress. However, while the concept was compelling, we recognized the need for a name that truly captured the spirit of our vision and resonated with our diverse audience.
Through a process of reimagining and creative exploration, “Jiwambe” was born. This unique name, while having no direct translation, beautifully captures the essence of our mission. “Ji,” a common Swahili prefix, evokes self-empowerment and ownership. “Wambe,” with its rhythmic sound, suggests movement, strength, and forward momentum.
Jiwambe, with its unique blend of cultural depth and abstract sound, provides the perfect foundation for our continued growth and impact.
Today, Jiwambe stands as more than just a fintech brand—it is a symbol of empowerment, sustainability, and financial inclusion in Africa. From strong foundations to limitless potential, the journey has only just begun!
Jiwambe was founded to address two major financial gaps in Kenya: affordable mobility financing for gig workers and incremental home improvement loans for homeowners in underserved areas. Recognizing that many boda-boda riders and informal workers were locked out of traditional credit systems due to high-interest rates, lack of collateral, and rigid financial structures, we set out to create a more inclusive and sustainable financing model.
With our deep expertise in credit, collections, and fintech, we built a company that leverages data-driven risk assessment and strategic partnerships to empower Kenya’s workforce with the tools they need to earn more, live better, and build a sustainable future.
Key Milestones:
July 2024: Jiwambe incorporated, officially launching as a fintech company to provide affordable financing solutions for underserved communities in Kenya.
August 2024: First product launched – Housing Improvement Financing. Secured clients across Kenya, from Mombasa to Kisumu, with a strong focus on rural and peri-urban homeowners.
December 2024: Expanded into collections services, offering professional debt collection solutions for partner organizations.
January 2025: Entered the e-mobility sector by partnering with electric motorcycle manufacturers in Nairobi, providing affordable financing for riders transitioning to clean mobility.
2025 and beyond: Scaling portfolio growth in housing improvement loans and e-mobility financing, solidifying Jiwambe as a key player in sustainable asset financing in Kenya.
Our Services
What we Do
Housing Microfinanace
We offer microfinance for home improvements, helping underserved communities build better living conditions through flexible financing.
Asset Financing(E-Mobility)
We finance electric motorbikes, making sustainable transportation accessible and empowering individuals and businesses to embrace clean energy.
Collection Services
We provide professional loan collection services, using advanced analytics and ethical practices to maximize recovery while preserving client relationships.
Why Us?
Our Values
01
Financial Inclusion
We create fair and accessible financial solutions for underserved communities.
02
Sustainability
Our mobility and housing solutions reduce carbon footprints and improve quality of life.
03
Innovation
We leverage data and technology to optimize lending and risk assessment.
04
Integrity
Transparent, responsible lending that prioritizes long-term success for our customers.
05
Partnership
We collaborate with industry leaders to maximize impact and deliver value.
