Lend more. Risk less. Report effortlessly.
The Daraja Guarantee MFI portal gives licensed lending institutions access to first-loss guarantee coverage, full portfolio management tools, a streamlined claims process, and DFI-grade reporting — all in one platform.
Portal capabilities
Everything an MFI partner needs, built in
Guarantee Requests
- ✓Submit guarantee facility applications for your loan portfolio
- ✓Request first-loss or mezzanine coverage per borrower or in bulk
- ✓Receive guarantee certificates digitally on approval
- ✓Track coverage utilisation against your active facility limit
- ✓Submit claim notifications on defaulted guaranteed loans
Portfolio Management
- ✓Full loan lifecycle: originate, disburse, track repayments, restructure, write off
- ✓PAR30 and PAR90 dashboards with daily snapshots
- ✓Overdue loan alerts and automated covenant monitoring
- ✓Loan-level data: borrower, sector, currency, installment schedule
- ✓Borrower KYC status and AML screening outcomes per loan
Claims & Recovery
- ✓Submit guarantee claims on defaulted loans with supporting documentation
- ✓Track claim status: submitted → under review → approved → paid
- ✓View claim history and paid amounts against your facility
- ✓Record recovery amounts on previously claimed loans
- ✓Partner ledger showing fees, claims deducted, and recoveries credited
Reporting & Analytics
- ✓Monthly partner statements with fee accounting and balance
- ✓Portfolio performance reports: sector, geography, PAR breakdown
- ✓Impact data reports: jobs created, income change, business growth
- ✓Covenant compliance status reports for your IC review
- ✓ESG / green finance eligibility flags for climate reporting
Day-to-day workflow
What MFI operations look like on the platform
Check PAR dashboard — overdue loans flagged overnight by the system
Originate new loans, match borrowers to guarantee facility, issue certificates
Review auto-generated partner statement and send to finance team
Submit covenant compliance report; download portfolio performance report for board
Submit guarantee claim with documentation; track status through to paid
Eligibility requirements
- Licensed and in good standing with your national central bank or financial regulator
- Minimum 2 years of operational lending history in target markets
- Audited financial statements for the most recent 2 years
- PAR30 below 15% at the time of onboarding application
- Documented AML/KYC policy aligned with FATF standards
- Operating in at least one Daraja Guarantee target market (TZ, LR, KE, ZM, MZ, AO)
Multi-currency operations from day one
Guarantee facilities, loan disbursements, repayments, claims, and reporting all operate in local currency. FX rates are recorded at transaction time. All amounts displayed with ISO currency codes per DFI reporting standards.
Ready to access the MFI partner portal?
Your institution must complete the five-step partner onboarding process before portal access is provisioned. Start by submitting an expression of interest.