How It Works

How Our Employer-Linked Lending Works

Digital lending through the Mkwanja Kiganjani App and employer partnerships is built for speed, transparency, and responsible credit.

Mkwanja Kiganjani partners with companies through a signed MOU so their employees can access salary-based loans.

Employees apply in the App and can borrow up to 50% of net monthly salary, subject to eligibility checks.

Verification, approval, and disbursement are handled digitally based on salary, employment status, and affordability.

Repay over up to 3 months, usually through employer salary deduction or another agreed repayment method.

Lending decisions consider salary verification, employment status, and affordability assessments.

Signed MOUs with employers help streamline eligibility checks and repayment arrangements.

Loans are priced at 3.5% monthly interest plus a 6.5% management fee, with clear repayment expectations.