Kirinyaga Community Development Trust (Microfinance, Kenya)

My prayer is that God may bless AID and it may be able to spread its wings to the whole world, I have benefited and I pray someone else also benefit.” Tabitha (right) was able to begin a prep school through the Kirinyaga Community Development Trust.

The Kirinyaga Community Development Trust (KCDT) was set up by the Anglican Church Diocese of Kirinyaga in Kenya to help members of the Diocese to fight poverty. The scheme provides an opportunity for locals to start or develop businesses in the community. It works in a very similar way to Manna Microfinance which AID supports in South Sudan.

How it Works

Men and women are invited to join the scheme through an advertisement in their local church.  After paying a subscription fee, belonging to a group for 6 months, attending meetings and making savings, they are eligible to apply for a loan. The loan, which can be up to twice the value of their savings, is used to develop a business and then paid back at a 1% interest rate. Other group members act as guarantors for the one taking a loan.

All participants must attend monthly group meetings in which members encourage one another with Bible reading and prayer and also carry out administration and collect savings. Meetings are overseen by a Diocesean staff member and run by group members who are assigned different roles (such as secretary, treasurer etc).

A Bank Account for the Project

Kirinyaga Diocese has opened its own savings trust: The Kirinyaga Community Development Trust (KCDT) to use as a bank from which clients could take loans. The Diocese encourages clergy, staff and churches to invest in KCDT so there is always money available for those who want to take loans.

[callout style=”lightblue” centertitle=”true” align=”center”]

Currently, 85 churches and 118 clergy invest in KCDT

 690 people are supported in groups

400 loans were taken between September 2016 -17 – 90 of those were for new businesses

In 2017, KCDT made a profit of £2,000


The Kirinyaga microfinance project was already very successful before AID’s involvement, but AID is now supporting the work by employing a further staff member, Caroline (right, with red hair) to help with organising group administration, attending group meetings and delivering training. We also hope to roll out this microfinance model to other parts of Kenya.


A few of the businesses that have been started through the KCDT.

Tabitha (right) was drawn into a microfinance group through her church. She used her first loan to begin Winners Preparatory School, and was soon able to get another loan to carry out renovations and build a water tank. She now has over 40 children at the school and 3 teachers.



Phyllis (left) runs a hardware shop and often deals with challenging customers, most of whom are small time labourers or contractors. But she says, “I can handle them without fear!”  She has taken more than one loan from KCDT  and her profit has now than doubled. This money enables her to pay for her children’s education and also to grow the family farm.


Right is Lillian who used her loan to buy cows. Before joining she had been growing coffee and arrowroots but did not find she was making enough profit. Now on her fourth loan, she has 6 cows and 3 calves whose milk she can sell for a good profit.