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M-ASCA (accumulating savings and credit application) is a virtual microfinance model that allows users to accumulate savings little by little anytime in order to borrow loans of up to three times their savings by asking friends and relatives who are members to guarantee them from anywhere in the country via the app. Registered as a SACCO and a project of Mama Promotions Women Group {, it targets every adult Kenyan irrespective of their background (youths, women, small scale business people, the unemployed, private institutions etc) who may not hold any collateral but are interested in saving in order to access capital for investment, business startups, old age savings or any other viable need. All services are mobile phone based and therefore anytime anywhere. Members save, borrow, guarantee and repay loans through the phone.


Mama Promotions Women Group

The M-ASCA founder is a member of Mama Promotions Women group which started as a Table Banking group. M-ASCA executive committee members are all Mama Promotions Members and oversee the functions of the SACCO.


Extend affordable credit to the financially excluded by nurturing a saving and borrowing culture and encouraging entrepreneurship for self-sustenance, empowerment and self-employment.



To become the preferred model of financial inclusion in Kenya and beyond.

Core Values

  • Access
  • Affordability
  • Professionalism
  • Competence
  • Integrity
  • Transparency & Accountability
  • Teamwork
  • Equity

Our slogan

Financial Inclusion with Dignity/ Chama Kwa Simu

Membership is open to:

  • The unemployed
  • Casual labourers
  • Businessmen and women
  • Small scale traders
  • Groups (Chama members)
  • Private institutions
  • Youth
  • Women and Men
  • The employed