U&i Microfinance Bank Ltd
U&i Microfinance Bank Ltd is a Nairobi-based Kenyan microfinance bank, founded in 2007, providing savings accounts, loans, and mobile banking services to individuals and SMEs in Eastern Africa.
- Company typePrivate
- Founded2007
- HeadquartersNairobi, Kenya
- Headcount—
- GTM typeB2B and B2C
- OfferingServices
What U&i Microfinance Bank Ltd does
U&i Microfinance Bank Ltd is a privately held microfinance institution headquartered in Nairobi, Kenya, founded in 2007. According to its firmographic profile, the bank provides microfinance banking services — including savings accounts, loans, and mobile banking — to individuals and small-to-medium enterprises (SMEs). The institution is part of Kenya's regulated microfinance banking sector and operates within the Eastern Africa region, with Kenya identified as its primary served market.
The company's product surface is centered on core retail banking functions adapted for underbanked and lower-income segments: deposit products for savers, credit facilities for borrowers, and mobile banking access for account servicing and transaction execution. As a microfinance bank (rather than a non-deposit-taking MFI), the firm is positioned to mobilize deposits and extend credit directly, which is a distinguishing feature relative to NGO or SACCO-style microfinance operators. Specifics on the underlying technology stack, mobile banking platform architecture, core banking system, or digital lending infrastructure are not disclosed in the available source material.
Revenue mechanics for a deposit-taking microfinance bank typically derive from net interest margin on the loan book, fee income on transactions, and account servicing charges — though none of these specifics, nor any pricing, customer counts, loan portfolio metrics, or branch network details, are present in the input data. The primary source block returned only a website loading/verification page with no substantive disclosures. Consequently, scale, ownership, leadership, financial performance, and strategic activity remain unverifiable from the input provided, and the description above should be read as bounded strictly by the limited firmographic information supplied.
U&i Microfinance Bank Ltd firmographics
Firmographics- Name
- U&i Microfinance Bank Ltd
- Legal name
- U&i Microfinance Bank Ltd
- Website
- https://uni-microfinance.co.ke
- Company type
- Private
- Founded year
- 2007
- Short description
- U&i Microfinance Bank Ltd is a Nairobi-based Kenyan microfinance bank, founded in 2007, providing savings accounts, loans, and mobile banking services to individuals and SMEs in Eastern Africa.
- Ownership category
- akta.pro rank
U&i Microfinance Bank Ltd industry classification
Industry- Product category
- Microfinance Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221), Credit Intermediation and Related Activities (522)
- SIC
- Short-Term Business Credit Institutions (6153), State Commercial Banks (6022)
- akta.pro primary industry
- Microloans & Working Capital Loans (FSAKAGAA)
- akta.pro secondary industries
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), SME, Microfinance & Financial Inclusion Facilities (BPADACAI), General SME & Middle-Market Commercial Banking (FSABABAA)
Keywords
Where U&i Microfinance Bank Ltd is headquartered
LocationHeadquarters
- HQ city
- Nairobi
- HQ country
- Kenya
- HQ region
- Africa
Markets served
U&i Microfinance Bank Ltd business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
U&i Microfinance Bank Ltd product offering
Product offeringCore offering
U&i Microfinance Bank Ltd provides microfinance banking services, savings accounts, loans, and mobile banking services. The institution is positioned to serve both individuals and small and medium enterprises (SMEs) within the Kenyan market.
Differentiator
Problem solved
Functional benefit
Products and services
- Microfinance Banking
Companies that use U&i Microfinance Bank Ltd
Customer profileIdeal customer profiles2 records
U&i Microfinance Bank Ltd technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
U&i Microfinance Bank Ltd competitors and assessment
Company assessmentDirect peers
- Kenya Women Microfinance Bank (KWFT): KWFT Bank is a Kenya-licensed microfinance bank offering microloans, savings, and mobile banking to individuals and SMEs, closely matching U&i's product mix and target customer segments.
- SMEP Microfinance Bank: SMEP is a Kenyan microfinance bank focused on microloans, SME lending, and savings products with mobile banking delivery, closely comparable in scale and customer mix to U&i.
- Faulu Microfinance Bank: Faulu is one of Kenya's longest-running microfinance banks providing microloans, savings, and digital banking to SMEs and individuals; it directly competes for the same deposit and credit customers as U&i.
- Rafiki Microfinance Bank: Rafiki Microfinance Bank provides savings, microloans, and digital/mobile banking to Kenyan SMEs and individuals, operating with a similar license and product set to U&i.
Broad incumbents
- Equity Bank Kenya: Equity Bank is one of Kenya's largest commercial banks with a deep microfinance and SME lending heritage, serving individuals and small businesses through an extensive branch and digital network, making it the dominant incumbent against which U&i competes for retail and SME customers.
- Co-operative Bank of Kenya: Co-op Bank is a large Kenyan commercial bank with a strong SME, saccos, and microfinance ecosystem presence, competing with U&i for small-business deposits and loans across Kenya.
- KCB Bank Kenya: KCB is one of Kenya's largest commercial banks with broad retail and SME banking plus mobile (KCB M-Pesa) products; it sets the competitive benchmark U&i must meet on digital experience and branch reach.
Emerging players
- Juhudi Kilimo: Juhudi Kilimo is a Kenyan microfinance institution providing asset-financing and working-capital loans to smallholder farmers and SMEs, overlapping with U&i's SME/microenterprise lending focus.
- M-Shwari (via Safaricom / NCBA): M-Shwari is a mobile-based savings and microloan service embedded in M-Pesa, providing instant credit to Kenyan individuals and small merchants; it competes directly with U&i's mobile microloan offering.
- Tala (formerly Branch International Kenya): Tala is a mobile-first digital lender offering instant personal and SME loans via smartphone apps in Kenya, representing the fintech-native competitive frontier for U&i's microloan book.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat1 record
Key risks5 records
Key highlights4 records
Customer concentration
U&i Microfinance Bank Ltd social profiles
Digital presenceU&i Microfinance Bank Ltd financial estimates
Financial estimateRevenue estimate
Valuation estimate
U&i Microfinance Bank Ltd leadership team
Management profileNumber of profiles
U&i Microfinance Bank Ltd funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
U&i Microfinance Bank Ltd 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 U&i Microfinance Bank Ltd
What does U&i Microfinance Bank Ltd do?
U&i Microfinance Bank Ltd provides microfinance banking services, savings accounts, loans, and mobile banking services. The institution is positioned to serve both individuals and small and medium enterprises (SMEs) within the Kenyan market.
Is U&i Microfinance Bank Ltd a public or private company?
U&i Microfinance Bank Ltd is a private company. It is classified as unknown.
When was U&i Microfinance Bank Ltd founded?
U&i Microfinance Bank Ltd was founded in 2007.
Where is U&i Microfinance Bank Ltd based?
U&i Microfinance Bank Ltd is headquartered in Nairobi, Kenya, in the Africa region.
Who are U&i Microfinance Bank Ltd's main competitors?
Direct peers on record are Kenya Women Microfinance Bank (KWFT), SMEP Microfinance Bank, Faulu Microfinance Bank and Rafiki Microfinance Bank. Broad incumbents are Equity Bank Kenya, Co-operative Bank of Kenya and KCB Bank Kenya. Emerging players are Juhudi Kilimo, M-Shwari (via Safaricom / NCBA) and Tala (formerly Branch International Kenya).
Does U&i Microfinance Bank Ltd have an API?
No public API is recorded for U&i Microfinance Bank Ltd.
What industry is U&i Microfinance Bank Ltd in?
U&i Microfinance Bank Ltd's product category is Microfinance Banking. Its primary akta.pro industry code is FSAKAGAA, Microloans & Working Capital Loans, with a secondary code of FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 52211 and its SIC code is 6153.