Housing Microfinance

Improve Your Home with Our Help.

Jiwambe helps families in rural and growing towns in Kenya improve their homes with easy payment plans.

If you own land but need help to fix, expand, or build important things like roofs, toilets, and water tanks, we can assist.

Our goal is to help you create a safe and comfortable home for your family.

Pick Your Upgrade

Water Tank

Jiwambe finances water tanks. Ensure a reliable supply of clean water for your home or business with our easy and accessible financing options. Apply now and secure your water needs. 

Solar Panel

With solar panels you can reduce your energy costs and embrace sustainable practices. Jiwambe is offering loans to help you invest in solar panels. Apply now and start saving with clean, renewable energy

Roofing

Jiwambe helps you to protect against heavy rains and scorching heat during stormy seasons. Apply now and take advantage of our financing options for a resilient and long-lasting roof. 

Security

Secure your home or business with durable, reliable fencing. Jiwambe is offering financing to help you invest in quality fencing solutions. Apply now and take the first step toward a safer property

Latrines

Get a loan from Jiwambe to invest in quality latrines. Ensure better sanitation and hygiene for your home or community with durable, reliable solutions. Apply now and take a step toward a cleaner future.

Plumbing

Ensure your home or business has reliable, efficient plumbing with clean water. Our financing makes it easy to improve your water systems. Apply now and take the first step toward better plumbing. 

FAQs (Frequently Asked Questions)

What documents are required to apply?
  • Kenyan ID
  • 6 months M-Pesa
  • statements
  • Proof of income
  • 30% down payment
  • Guarantor details
What kind of home projects do you finance?

Roofing, fencing, water tanks, solar panels, plumbing, latrines, and other small construction upgrades.

How much can I borrow?

Loans range from KES 10,000 to KES 70,000.

What are the repayment terms?

Up to 6 months with flexible repayment and low interest.

How quickly is financing approved?

Once eligibility is confirmed, funds are disbursed to the approved supplier quickly so you can begin construction immediately.

Do I need collateral?

No, but a guarantor and down payment are mandatory.

Can I finance more than one project at a time?

Yes, subject to repayment history and affordability review.

How do I apply for a home improvement loan?

Visit jiwambekenya.com/  and apply through the online form or contact customer care.

Can I use my contractor or supplier?

Yes, or work with Jiwambe’s approved suppliers for fast disbursement.

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