01 / Impact
FINCA Microfinance Bank
— Mandate
Impact financing for smallholder farmers, women's groups and rural enterprises — first-loan, first-savings, first-insurance.
A full-stack financial platform built for the rural economy — wallets, merchant acceptance, bulk payouts, card issuance, agency banking and embedded finance APIs. Co-built with three partner banks; named after the hoe.
TZS 462,300 WALLET
⬤ Loan eligible · TZS 1.4M
Traditional underwriting wants pay slips, title deeds and three years of statements. The smallholder has none. Jembe.Pesa™ rewrites the model around what the farmer actually has — a verified profile, a planted plot, a recorded harvest history — and turns that into bankable data.
80% of SHFs in SSA
have no access to formal financial services. (Source: Finscope 2023)
3× faster underwriting
when farmer KYC and yield records flow direct from KM360™.
Jembe.Pesa™ is built to accept, hold, move, disburse and reconcile money across the rural economy and beyond — on a single ledger, with the bank rails behind it.
Remote account opening across USSD, App and Wakala. Wallets for individuals, groups and cooperatives — with multi-wallet configurations for loan, savings, subsidy and insurance balances held side-by-side.
JembePesa Merchant Tills and QR Codes, optional POS device support, real-time ledger postings and printable receipts — built for agro-dealers, depots, kiosks and rural retail.
Disbursement tools for NGOs, buyers and governments. Dynamic rule-based allocation and traceability, Excel and API integrations, and full audit reporting — from one payee to one million.
A prepaid card programme operating private label / Visa / Mastercard. Virtual cards for e-commerce access, all linked to the wallet with configurable usage limits and merchant categories.
Float-enabled JembePesa agents in rural areas providing KYC and registration, cash-in / cash-out, and recovery services — turning every agro-dealer and shopkeeper into a banking touchpoint.
Airtime, water, energy and school fees through one wallet. Structured payment templates for farmers and groups — predictable, scheduled, and traceable through the season.
An open API suite for agtechs, SACCOs and ERPs. Integrations with core banking systems and insurance APIs — embed Jembe.Pesa™ rails directly into partner products and back-offices.
Asha selects a pre-approved loan amount — eligibility computed live from her records. No paperwork, no branch visit, no cosigner.
The partner bank receives the application with full underlying data — KYC, plot, yield history, group profile — and signs off through an automated rule set.
Funds release as a virtual voucher redeemable at any Duka.Pembejeo™ agro-dealer. Asha walks home with seed and fertilizer, the bank with a fully reconciled loan.
— Mandate
Impact financing for smallholder farmers, women's groups and rural enterprises — first-loan, first-savings, first-insurance.
— Mandate
Commercial financing and dedicated climate-solution facilities — underwriting input loans, mechanization and resilience investments.
— Mandate
Commercial financing for value-chain actors — aggregators, processors and SMEs operating across the KM360™ ecosystem.
— Mandate
Specialist value-chain Women SMEs Financing partner extending working capital to producers, aggregators and processors operating through Jembe.Pesa™.
A FinTech that knows the Seasonality of rains.
For banks, MFIs and insurers ready to reach the rural Sub-Saharan smallholder with a real product.