Mshwari loans have hit 430 billion and serves over 31 million customers in seven since its inception back in 2012.
The mobile based service has been termed by Chief Executive officer John Gachora as a convenient way to access short-term loans.
Out of the 430 billion dispersed by the NCBA group owned service, 42 percent of the amount is reported to have benefited business people.
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This is due to the fact that other sources have strict lending terms when they urgently need cash for set up and boosting businesses.
Other than issuing loans, the service has been able to assist customers to properly manage their finances.
Its saving platform dubbed MShwari savings is reported have attracted a total of 450,000 customers so far.
On average, customers deposits are 8,981 in a period of seven and a half months.
Between 28th November and 4th December customers with outstanding loans of between one to two months were credited with Ksh 700 if they service them.