The Code WG Champions 

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Kennedy Osore

Head of Public Affairs, Tala Kenya & Board Member at DFSAK��

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1. Over 50% of Tala customers are women.

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• 70% of our loans are for business purposes.

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• 80% of women borrowers report increased confidence after borrowing from Tala.

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• 67% of women borrowers report having more financial independence.

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• 58% of women borrowers report increased influence on decision making.�

Tala as well as DFSAK joins the code so as to share gender-disaggregated data to inform the design of financial products tailored for WMSMEs and scale impact via cross-sector coalitions.

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Gideon Kipyakwai 

CEO, Metropol CRB

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• Metropol Credit Reference Bureau (CRB) is a licensed CRB by the Central Bank of Kenya. There are 23 million Individual and 900k Company profiles. We have received data from over 1200 third party Credit Information Providers (CIPs). There CIPs are from the Bank, Microfinance Bank, Deposit Taking and Non Deposit Taking Saccos, Digital Credit Providers, Trade, Development Finance Institutions, Insurance and Self Help Group Sectors.
• We have partnered with Kenya Bankers Association to support in the on-data analysis on Sex disaggregated data with a focus on Women led MSMEs. This will be key in supporting the We-Fi Code team in Kenya.

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• To support the We-Fi code, Metropol has tailor-made a special Composite credit report and scores that will make it easy for lenders to identify and lend to women led enterprises. Metropol his opening up credit profile access for business health checks to owners of enterprises on its platform. This was only available for individual credit profiles.

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Evans Kimosop 

Senior Compliance Officer, SASRA

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1. A baseline survey findings done in 2019 by the Authority found that 58% of SACCO membership are men and 32% female.

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• Currently projects to enhance sex disaggregated data reporting by regulated SACCOs to improve policy intervention.

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• The Authority currently supervises 357 SACCOs with membership over 7.4 million, a sector of total assets over 1.09 trillion.

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• The Authority joins the We-Fi code secretariat to gain data to inform its policy decisions and advise the sector on products, both financial and non-financial.

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Hillary Kibet

Researcher and Data Analyst, AMFI-K

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As an Association we are Joining the Code because we want to:

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1. Enhance our member MFIs Visibility and Credibility

• Strengthen the MFIs brand reputation among development partners, investors, and clients.

2. Enhance Capacity Building – A Core Pillar of AMFI-K’s Member Support

• Strengthen member institutions through tailored training and technical support, with a focus on: Sex-disaggregated data collection and reporting, Gender-smart product development, and Staff capacity development to support inclusive financial services.

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3. Leverage Data for Better Decision-Making

• Build internal capacity within the MFIs to track and analyze gender-disaggregated data, enabling more informed product design, risk analysis, and performance tracking.

4. Contribute to National Financial Inclusion Goals

• Align with the Central Bank of Kenya’s and other regulators’ priorities for inclusive finance.
• Play a role in shaping policy and regulatory dialogue around women’s economic empowerment.

5. Access Funding and Partnerships

• AMFI-K members joining a trusted platform will attract the interest of donors and investors who are prioritizing gender finance thus position them for potential partnership or co-investment opportunities.

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Hannah Ndarwa

Head of Legal, CIS Kenya

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The Credit Information Sharing Association of Kenya (CIS Kenya) is a non-profit organization dedicated to fostering a transparent and efficient credit market in Kenya and across Africa. It serves as a platform for credit providers, consumers, and other stakeholders to collaborate effectively in sharing and utilizing accurate credit information.

Our primary mandate is to facilitate the generation and use of accurate credit information for the benefit of all participants in the credit market. This involves promoting best practices in credit provision, fostering the growth of the credit market, and establishing a self-regulatory mechanism centered on credit information sharing.

Our membership is diverse, bringing together banks, microfinance institutions, SACCOs, and digital lenders. This unique position allows us to lead the entire credit market in a unified effort to support women entrepreneurs.

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Our core function revolves around credit information, which is a powerful tool for unlocking finance for women. For many women entrepreneurs who may lack traditional collateral like land titles, a strong credit history becomes their key. It acts as a substitute for physical collateral, enabling lenders to assess risk based on financial behavior, not gender stereotypes.

By providing a clear picture of a borrower's creditworthiness, credit information sharing helps in several ways:

• It can lead to higher loan approval rates.
• It can result in more favorable loan terms and lower interest rates.
• Ultimately, it grants access to a wider range of financial products, empowering women to grow their businesses, create jobs, and build economic resilience.

CIS Kenya is deeply committed to the principles of the WE Finance Code. We believe that by working collaboratively with all stakeholders present today, we can harness the power of credit information to dismantle the barriers that women-led/owned MSMEs face. We are dedicated to building a more inclusive financial ecosystem where every woman entrepreneur has the opportunity to thrive.

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Christine M. Waita

Manager, Data and Compliance, Kenya Bankers Association ( KBA) 

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1. For KBA, joining the We-Fi code aligns with our ongoing work to promote inclusive finance through our Sustainable Finance Initiative(SFI).

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• It will be an action oriented partnership, through the support of FSD Kenya, and a data sharing agreement with Metropol to co-develop a gender-disaggregated dashboard, that will create continuous visibility into how credit flows into the MSME space.

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• Future phases of the dashboard development includes integrating deposits , payments , savings, insurance etc to create a 360 degree view of WMSMEs from a supply-side Perspective.

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Agnes Aleyo Ala

SME Relationship Manager- FLME, KCB Bank

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Angela Wambugu

Director of Advisory Services for Africa at Women's World Banking 

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WWB is an ardent advocate for advancing Women’s Economic Opportunities (WEO) and Resilience globally.

• Our vision is that one day, all women will be able to build a secure and prosperous financial future for themselves and their households. To achieve this, we work with public and private sector players in the financial services sector, providing advisory and technical support in the design and implementation of solutions that advance WEO and Resilience.
• We are excited about the prospective launch of the We-Fi Code in Kenya. We are proud signatories to the Code at the global level and are also now engaging at the national level in our priority markets, Kenya being one of them.
• We are signatories as we feel that this perfectly aligns with our mission and is a great platform to bring together different stakeholders to drive the agenda of access to finance women entrepreneurs.
• We feel that when we have a coalition of different stakeholders actively championing the agenda, we’ll be able to accelerate and achieve great impact together.

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