About us

What Daraja Guarantee is — and what it is not

Africa's Portfolio Arranger for Blended Finance

Daraja Guarantee is Africa's portfolio arranger for blended finance — a guarantee administrator, not a bank and not a direct lender. We originate, standardize, guarantee, and distribute African productive-sector loan portfolios to international institutional capital, structuring credit enhancement facilities on behalf of development finance partners so licensed financial institutions can lend to underserved SMEs with calibrated risk sharing and institutional-grade oversight.

Mission

Unlocking African SME Finance Through Blended-Finance Guarantees

Daraja Guarantee was established to fill a structural gap in African financial markets: the absence of a technology-native guarantee layer that can connect development finance capital with microfinance institution lending capacity at scale, and prove it to DFI auditors in real time.

As a portfolio arranger, we originate, standardize, structure, issue, manage, and administer financial guarantees — including first-loss default guarantees, mezzanine guarantees, portfolio guarantees, and pari-passu structures — on behalf of DFI and funder partners across six African countries.

We also support co-lending, blended finance syndication, digital SME and agricultural loan origination, credit analytics, and mobile money disbursement facilitation — all under one platform, one audit log, and one governance framework.

Vision

Africa's leading portfolio arranger for blended finance — connecting development capital with last-mile opportunity through innovative guarantees and institutional-grade distribution.

Tagline

Bridging Trust. Unlocking Capital.

Legal entity

Daraja Guarantee PLC

Mauritius-domiciled · US holding: Daraja Guarantee Inc.

Pilot operations: Kenya · Tanzania · Liberia

Leadership

Executive team

Day-to-day operations are led by a senior management team with deep experience across development finance, African capital markets, digital financial infrastructure, and multilateral institutions — complementing independent board oversight.

Peter Chemuigut

Chief Executive Officer & Managing Director

Juma Bruno Ngomuo

Assistant CEO & Chief Partnerships and Market Development Officer

Stephen S. Kimogol

Chief Technology & Operations Officer

Dan Mwangi

Head of Operations

Senior advisory

Bamidele Olalekan Oseni, FCA, FICA, FIMC, ACTI, ACIS, CFAN, MCIoD

Senior Advisory Board Member

Pan-African governance, risk, and financial strategy expert with over 25 years of leadership experience across banking, fintech, energy, and infrastructure in more than 24 African countries. Former Group Chief Risk Officer and Chief Compliance Officer within leading African banking institutions. Strengthens Daraja Guarantee’s enterprise risk management, credit risk governance for guarantee structures, regulatory compliance, ESG integration, and board effectiveness.

Full leadership team →

Full leadership profiles

Geographic footprint

Six countries. One platform from day one.

Kenya

Active

KES

Year 1 pilot · eCitizen registry · M-Pesa / PawaPay

Tanzania

Active

TZS

Year 1 pilot · BRELA registry · PawaPay mobile money

Liberia

Active

LRD

Year 1 pilot · CBL regulated · PawaPay mobile money

Zambia

Planned

ZMW

Year 2 · Bank of Zambia NBFI

Mozambique

Planned

MZN

Year 3 · Portuguese-language operations

Angola

Planned

AOA

Year 3 · BNA licensing · Portuguese-language

Board governance

Built for institutional credibility

Daraja Guarantee PLC is governed by a seven-member Board of Directors with complementary expertise in development finance, international governance, digital financial infrastructure, and multilateral institutions. The composition is designed to meet the fiduciary and reputational standards expected by DFIs, export credit agencies, regulators, and co-investors.

Board oversight anchors the credit enhancement mandate — guarantee facility design, risk appetite, ESG alignment, and regional expansion across East and Southern Africa. One director appointment remains subject to board confirmation.

Gunnar Adolf Aanesland

Board Director

Peter Chemuigut

Chief Executive Officer & Managing Director

Daniel Gudere

Board Director

Nathalie Ndongo-Seh Kane

Independent Director (nominee)

Anantha Krishnan

Independent Director

Rick Groothuizen

Independent Director

Ambassador Godson Workar

Independent Director

Meet the Board Governance framework

Governance

Designed for DFI scrutiny

Governance is built for direct inspection by DFI counterparties — board oversight, investment committee approval on material decisions, insert-only audit trails, and platform-enforced segregation of duties.

Investment Committee

→Minimum 3 members required for quorum
→IC approval mandatory for guarantee claims above threshold
→IC approval mandatory for regulatory export packages
→IC cannot include the loan originator for the same loan

Segregation of Duties

→Loan originator cannot approve guarantee claim on same loan
→Enforced in application code — not by policy alone
→Verified by automated test suite on every deployment
→Nine discrete roles with row-level data isolation

Audit Trail

→Insert-only audit_log table — no UPDATE or DELETE grants
→Every financial mutation logged with before/after state
→Auditor role provides read-only access for DFI inspection
→Impact reports stored as immutable JSONB snapshots

Corporate Structure

→Daraja Guarantee PLC — Mauritius-domiciled guarantee institution
→Operating subsidiaries in Kenya, Tanzania, and Liberia (pilot)
→US holding company: Daraja Guarantee Inc. (Delaware)
→Regional coordination from Nairobi for East Africa

Ready to explore a partnership?

Reach out to our team for a conversation about co-investment or MFI partnership.