About us

SMEP Microfinance Bank Limited is a public limited company incorporate under the companies Act (Cap 486) and licensed under the Microfinance Act (Cap 493D) regulated by The Central Bank of Kenya to offer banking services focusing on Group (Microfinance) banking and SME & Church banking. SMEP has a subsidiary company, SMEP Insurance Agency, which provides insurance services to diverse customer insurance needs.


Our Vision
To be a dynamic christian provider of financial solutions transforming lives.


Our Mission
To empower our customers through provision of market driven financial solutions.


Our Core Values
1. Integrity
2. Excellence
3. Teamwork
4. Innovation
5. Professionalism

We at SMEP believe you hold the key to your future. With our innovative, simple financial solutions, we strive to make your financial dreams come true.
Our Journey Since 1975
The journey of SMEP MICROFINANCE BANK spanning nearly four decades has been a remarkable one. The noble idea of starting a micro-finance was born in 1975 when the National Council of Churches of Kenya (NCCK) embarked on a project to feed the children of the commercial sex workers in Mathare Valley, Nairobi. Their children were acutely malnourished and the need for an intervention to salvage the health of these young ones was necessary. As with any donor funded programme, the need for sustainability emerged as it was clear that the nutritional support was turning the families into dependents. As a famous philosopher wisely said, “Give a bowl of rice to a man and you will feed him for a day. Teach him how to grow his own rice and you will save his life.” The project was redesigned and focused on giving small loans to the mothers (commercial sex workers) which they invested in small-scale businesses. Following the success of this project, NCCK registered the company SMEP (Small and Micro-enterprise Programme) in 1999 to undertake this work in a more targeted and strategic manner. SMEP became a public deposit taking microfinance institution) in 2010 and in 2013 SMEP DTM changed its name to SMEP Microfinance Bank as per The Microfinance Amendment Act 2013 which defined“ deposit taking microfinance business” as “microfinance bank business”


At a Glance;
1975: Started out as a relief arm of the National Council of Churches of Kenya (NCCK)

1999: Evolved into Finance Credit Company. Licensed as a company limited by guarantee under the name Small and Microenterprise Programme (SMEP)

2008: Rebranded to SMEP and dropped the long name small and microenterprise programme

2010: Becomes the third microfinance institution (MFI) in Kenya to be awarded a nationwide Deposit Taking Microfinance by Central Bank of Kenya and opens 6 Banking Branches across the country.

2011: Launched the SMEP mobile banking system. SMEP customers can currently withdraw; check balances, transfer funds, get mini statement using their mobile.

2012: The first MFI in Africa and second in the world to launch a Visa debit card to its customers. SMEP customers can now shop, fuel and obtain cash at any visa enabled ATM

2012: The first MFI in Kenya to obtain a nod by Capital market Authority to raise capital through private placement offer to enable SMEP Microfinance Bank Limited comply with the terms of licensing by CBK in respect to the cap of 25% single shareholder rule.

2013: SMEP DTM changes name to SMEP Microfinance Bank as per The Microfinance Amendment Act 2013

2015: Opens SMEP Insurance Agency company and the 17th Banking Branch supported by 35 Marketing Units and over 50 SMEP Agents around the country.


Our pride
We are the financial intermediary, providing superior technology driven savings facilities as well as affordable loans of all sizes for all kinds of needs, from working capital to church development loans, agribusiness financing, asset financing and even WASH (water, sanitation and hygiene) loans
The future
We believe the future is limitless, and we will continue empowering the community towards fulfillment of everyone’s full potential, and realize our dreams together.
We believe in smart simple day to day solutions to make your dreams come true.