Sejaya Micro Credit
Sejaya Micro Credit is a Sri Lankan microfinance institution founded in 2015 that delivers digital microcredit loans and financial inclusion services to small businesses, rural women, and youth, reaching over 34,000 customers since 2022 through partnerships with EAA Foundation and Gojo Inc.
- Company typePrivate
- Founded2015
- HeadquartersNugegoda, Sri Lanka
- Headcount251–500
- GTM typeB2C
- OfferingServices
What Sejaya Micro Credit does
Sejaya Micro Credit is a Sri Lankan for-profit microfinance institution founded in 2015 and headquartered in Nugegoda. The company provides microcredit solutions to small businesses and individuals, with a deliberate focus on rural women and youth — segments historically underserved by formal banking in Sri Lanka. Since September 2022 it has reached more than 34,000 customers through its lending programs.
The company operates a digital financial services platform that underpins its microcredit operations, enabling loan distribution and customer servicing at last-mile reach. Its core technology appears to be a digital lending infrastructure designed to serve thin-file rural borrowers; the company employs between 251 and 500 staff, consistent with a field-intensive microfinance operating model.
Sejaya's business model is built on interest income from small-ticket microcredit loans extended to small businesses and individuals. The company scales its youth-focused lending through the Digital Financial Inclusion for Youth Economic Empowerment Project, launched in September 2022 in partnership with Education Above All Foundation (via the Silatech program) as financial partner and Gojo Inc. as strategic partner. Capital structure combines commercial microcredit returns with concessional/development funding, a hybrid model common in frontier-market microfinance.
Sejaya Micro Credit firmographics
Firmographics- Name
- Sejaya Micro Credit
- Website
- https://sejayacredit.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Sejaya Micro Credit is a Sri Lankan microfinance institution founded in 2015 that delivers digital microcredit loans and financial inclusion services to small businesses, rural women, and youth, reaching over 34,000 customers since 2022 through partnerships with EAA Foundation and Gojo Inc.
- Ownership category
- akta.pro rank
Sejaya Micro Credit industry classification
Industry- Product category
- Microfinance
- NAICS
- Nondepository Credit Intermediation (5222), Other Nondepository Credit Intermediation (52229)
- SIC
- Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Microloans & Working Capital Loans (FSAKAGAA)
- akta.pro secondary industries
- Agricultural & Rural Microfinance (FSAKAGAG), Microfinance, Financial Inclusion & Inclusive Markets (BPAGABAM)
Keywords
Where Sejaya Micro Credit is headquartered
LocationHeadquarters
- HQ city
- Nugegoda
- HQ country
- Sri Lanka
- HQ region
- Asia
Markets served
Sejaya Micro Credit business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Sejaya Micro Credit product offering
Product offeringCore offering
Sejaya Micro Credit Limited offers microcredit solutions to support small businesses and individuals, with a specific focus on rural women and youth in Sri Lanka. The company operates a Digital Financial Inclusion Platform that delivers microcredit and related financial services to underserved rural populations where traditional banking infrastructure is limited, reaching over 34,000 beneficiaries since September 2022.
Product overview
No specific product details available in the source data. The company is associated with a Digital Financial Inclusion for Youth Economic Empowerment Project in Sri Lanka, but no named products, modules, or service offerings are described in the provided sources.
Differentiator
Problem solved
Functional benefit
Products and services
- Microcredit Solutions
- Digital Financial Inclusion for Youth Economic Empowerment Project
Quantifiable outcome
- Reached over 34,000 beneficiaries in rural Sri Lanka since September 2022
Companies that use Sejaya Micro Credit
Customer profileSegments1 record
Ideal customer profiles2 records
Sejaya Micro Credit technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Sejaya Micro Credit partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Gojo Inc.coreGojo Inc. partners with Sejaya Micro Credit on the Digital Financial Inclusion for Youth Economic Empowerment Project, contributing to poverty alleviation efforts for Sri Lankan women and youth. The collaboration focuses on improving financial access through digital platforms in rural areas.
Scale indicators1 record
Recent moves4 records
Expansion highlights4 records
Sejaya Micro Credit competitors and assessment
Company assessmentEmerging players
- BRAC International: BRAC operates one of the world's largest microfinance networks, with South Asian operations that overlap Sejaya's target segment. While not active in Sri Lanka directly, BRAC's model is the benchmark Sejaya's digital distribution is measured against.
- Arohan Financial Services: Arohan is one of India's largest microfinance institutions serving rural women borrowers through group lending. Comparable business model and technology-enabled microcredit distribution even though it operates in India rather than Sri Lanka.
- ASA International: ASA International is a publicly-listed microfinance holding company across South and Southeast Asia. While not in Sri Lanka today, it represents the type of scaled, capital-efficient MFI Sejaya aspires to become via digital distribution.
Direct peers
- Sanasa Development Bank: Sanasa is the largest cooperative-based microfinance institution in Sri Lanka, serving rural members with savings and credit products. It is the closest direct competitor to Sejaya given shared rural Sri Lanka focus and microenterprise lending orientation.
Broad incumbents
- Hatton National Bank (HNB) Microfinance Division: HNB is one of Sri Lanka's largest commercial banks with a focused microfinance and SME lending book. It competes for the same rural borrowers and offers deposit-backed funding advantages Sejaya cannot access.
- People's Leasing & Microfinance: People's Leasing operates Sri Lanka's largest leasing portfolio with a microfinance arm targeting rural borrowers. Comparable to Sejaya in product set but significantly larger balance sheet.
- LOLC Microcredit (Lanka ORIX Leasing Company): LOLC is Sri Lanka's largest non-bank financial group with a dedicated microfinance subsidiary. It directly competes in the same rural microcredit segment as Sejaya but does so across a much wider product portfolio and with greater capital reserves.
Regional players
- Vanni Credit & Savings Leasing: VCS is a licensed microfinance company operating in Northern Sri Lanka, focused on conflict-affected and rural communities. Comparable mission profile and rural Sri Lanka overlap with Sejaya's customer base.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat3 records
Key risks5 records
Key highlights5 records
Customer concentration
Sejaya Micro Credit social profiles
Digital presenceSejaya Micro Credit financial estimates
Financial estimateRevenue estimate
Valuation estimate
Sejaya Micro Credit leadership team
Management profileNumber of profiles
Sejaya Micro Credit funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Sejaya Micro Credit M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Sejaya Micro Credit
What does Sejaya Micro Credit do?
Sejaya Micro Credit Limited offers microcredit solutions to support small businesses and individuals, with a specific focus on rural women and youth in Sri Lanka. The company operates a Digital Financial Inclusion Platform that delivers microcredit and related financial services to underserved rural populations where traditional banking infrastructure is limited, reaching over 34,000 beneficiaries since September 2022.
When was Sejaya Micro Credit founded?
Sejaya Micro Credit was founded in 2015. It employs 251 to 500 people.
Where is Sejaya Micro Credit based?
Sejaya Micro Credit is headquartered in Nugegoda, Sri Lanka, in the Asia region.
Who are Sejaya Micro Credit's main competitors?
Emerging players on record are BRAC International, Arohan Financial Services and ASA International. Sanasa Development Bank is listed as a direct peer. Broad incumbents are Hatton National Bank (HNB) Microfinance Division, People's Leasing & Microfinance and LOLC Microcredit (Lanka ORIX Leasing Company). Vanni Credit & Savings Leasing is listed as a regional player.
Does Sejaya Micro Credit have an API?
No public API is recorded for Sejaya Micro Credit.
What industry is Sejaya Micro Credit in?
Sejaya Micro Credit's product category is Microfinance. Its primary akta.pro industry code is FSAKAGAA, Microloans & Working Capital Loans, with a secondary code of FSAKAGAG, Agricultural & Rural Microfinance. Its NAICS code is 5222 and its SIC code is 6141.