For government & public sector
Mobilising private credit for national development goals
Governments face a structural gap: development capital exists, but last-mile SME credit does not reach underserved enterprises at scale. Guarantee instruments — properly administered and auditable — bridge that gap without replacing regulated lenders.
Policy alignment
National priorities we support
SME & employment growth
Guaranteed credit to businesses that create and sustain jobs, with borrower-level impact measurement.
Financial inclusion
Extending formal credit to segments underserved by collateral-based banking — women, youth, and rural enterprises.
Agricultural value chains
Seasonal finance aligned to harvest cycles, supporting food security and rural incomes.
Regulatory cooperation
IC-approved regulatory export workflows and transparent data packages for central bank engagement.
Engagement model
How we work with public institutions
Daraja Guarantee operates as a guarantee administrator — not a substitute for licensed deposit-taking or lending institutions.
- Market enablement — strengthening MFI and bank willingness to lend through calibrated risk sharing.
- Data & supervision — structured portfolio exports and audit trails to support supervisory dialogue.
- Pilot collaboration — Kenya, Tanzania, and Liberia Year 1 engagements with scope for national guarantee ecosystem alignment.