MFI partnership
Partner with Daraja Guarantee
Daraja Guarantee works with licensed Microfinance Institutions across Africa to provide first-loss guarantee coverage that enables MFI partners to lend at lower rates to underserved borrowers — without taking additional balance sheet risk.
Partner benefits
What MFI partners gain
First-loss guarantee coverage
Daraja Guarantee absorbs the first-loss tranche — typically 10–25% of the facility. Brings your effective risk below your lending threshold and enables lower-rate products.
Partner ledger with automated fee accounting
Your guarantee fees, claim deductions, and recovery credits tracked in a running-balance ledger. Monthly statements generated automatically.
PAR monitoring and covenant alerts
Portfolio-at-risk tracked daily (PAR30 and PAR90). Breach alerts sent before covenants are formally triggered.
Platform technology — no integration required
Loan origination, AML screening, and impact reporting all managed on the Daraja Guarantee platform. No core banking integration required for Year 1.
Multi-currency support
Guarantee facilities denominated in local currency (TZS, LRD, KES, ZMW, MZN, AOA). FX rates recorded at transaction time for audit purposes.
DFI-grade reporting as a service
Impact reports, utilisation dashboards, and regulatory export packages generated by the platform. No manual aggregation.
Onboarding process
Five structured steps to activation
Every MFI partner progresses through these five steps, tracked and audited in the Daraja Guarantee platform.
Document Checklist
Submission of licensing documentation, latest audited financial statements, portfolio quality reports (PAR30/PAR90), organisational chart, and AML/KYC policy.
Credit Assessment Review
Daraja Guarantee's investment committee reviews the MFI's portfolio quality, lending methodology, capital adequacy, management team, and regulatory standing in their country of operation.
Partnership Agreement Signing
Execution of the Master Partnership Agreement covering guarantee coverage terms, fee structure, reporting obligations, covenant thresholds, and segregation of duties requirements.
System Access Provisioned
MFI partner admin account created on the Daraja Guarantee platform. Staff training on loan origination, guarantee utilisation, claim submission, and PAR reporting workflows.
Activated
Partner status set to Active. Guarantee facility allocated. First loan origination enabled. Partner ledger initialised. Monthly statement generation begins.
Apply
Express interest in partnering
Complete our partnership application with your institution's regulatory details, portfolio profile, and primary contact. Our team will be in touch within 5 business days.
Start partnership applicationFor DFI/funder enquiries, please use the contact page.