Serving Rural Kenya
Breathing life into the community
Genesis of Yehu and its Brief History

The Beginnings of Yehu Microfinance Services Ltd (YMSL)

YMSL originally began in 1998 as a project of Choice Humanitarian- Kenya, a Non-governmental Organization based in Utah, USA. The project was under the name Yehu Enterprises Support Services (YESS). Yehu in Miji Kenda (local language) means ours, a true conviction of the founder Dr. Rita Lugogo that Yehu should be owned by the common people as a true testimony that sustainable socio-economic transformation is real to the marginalized rural poor if given suitable opportunities to access right financial services tailored to them.
YESS began with 300 female members in a small rural village in Kikoneni in the then Kwale District now Kwale County  located at the south coast of Kenya. The initial group was formed to mobilize savings among its members, however the need for credit provision quickly became apparent, and in the year 2000 the first loans were issued.

What We Have Achieved

Its rapid growth necessitated the creation of Yehu Microfinance Trust (YMT) in July 2007 to become an independent institution from Choice Humanitarian Kenya.  In the year 2014, the Institution registered as a company limited. Currently Yehu has 16 branches with a clientele of over 50,000 spread out in Kwale, Kilifi, Mombasa, Taita -Taveta, Lamu ,Makueni and Meru counties.
Yehu is on roadmap of transforming into a vibrant institution and eager to operate under a regulatory environment either as a Microfinance bank or Credit Only regulations once the current proposals with the government are enacted. This should strengthen the capacity of Yehu to realize impact to national scale for the enhanced livelihoods of its socio-economic marginalized clientele. 
History

Our Story in Summary

1998
Genesis
Yehu started as a project of Choice Humanitarian Kenya to empower local women in Coast region
2000
First Loans
Disbursement of the first loans
2007
Yehu Microfinance Trust
Creation of Yehu Microfinance Trust (YMT) an independent institution from Choice Humanitarian Kenya
2016
Company is Born
Yehu Microfinance Trust was transformed to a company
2023
Achievement So Far
Yehu has a total of 16 branches spread in different counties which are supported by 145 staff members with an outstanding portfolio of about USD 12.5 Million and a clientele of 70,000
2024+
Ultimate Goal
The ultimate goal is to reach out to over 200,000 clients, with an estimated direct impact of over one million people
25
+

Years Of Experience

16

Branches

70
k+

Members

Value Proposition

Our Customer Value Proposition

Exceptional Customer Experience
Quick Turnaround Time
Empowered Customers
Affordable Pricing

Why we’re different

Yehu focuses on empowering socio-economically marginalized rural entrepreneurs through provision of financial literary and financing for creation and enhancing of businesses through loan products under: Business, Agriculture, Green energy, Asset, Micro-insurance, water & sanitation, education and consumer loans thereby improving their social and economic welfare.
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