Our Story
Modesty Credit Limited was established with one purpose: to be drivers of economic growth by efficiently satisfying people's credit needs in a simple, friendly way that creates value to all stakeholders.
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From our beginnings in Kenya, we recognized that economic empowerment starts with opportunity — and opportunity grows when people can access fair, reliable, and supportive financial services. On 2nd May 2017 we opened our first branch in Meru town, with a small committed team determined to bridge this gap. Through personalized support, flexible financial solutions, and a deep understanding of our customers’ realities, we began helping households stabilize, entrepreneurs expand their ventures, and communities unlock their economic potential. Over the years, we have grown into a trusted microfinance institution with a steadily expanding customer base, opening a number of branches as follows;- Nkubu branch opened in 2018, Embu branch in 2021 and Thika branch in 2024. While our product offering and technology have advanced, what has remained constant is our commitment to integrity, responsible lending, and customer-centered service. Today, we stand as a partner to thousands of Kenyans who rely on us not only for financing, but for guidance, financial literacy, and long-term growth.
Governance
We are guided by a strong governance framework that promotes accountability, ethical conduct, and responsible decision-making at every level of the organization. Our governance structure ensures that our operations remain transparent, compliant, and aligned with both regulatory requirements and our mission as a financial institution.
Our Board of Directors provides strategic leadership, approves major policies, and oversees risk management to safeguard the interests of our customers, partners, and stakeholders. The Executive Management Team is responsible for day-to-day operations, ensuring that all business processes meet high standards of professionalism, customer protection, and regulatory compliance. <br> <br> We continuously strengthen our internal controls, audit processes, and data protection practices to maintain trust and uphold the integrity of our services. Through this robust governance approach, we ensure that our customers can rely on us as a responsible and accountable financial partner.
Our Mission
We build financial bridges between peoples' current situations and their aspirations by offering access to credit solutions at affordable rates that accelerate the achievement of their economic goals.
Our Vision
To be a haven of preference for credit solutions in Africa.
Our Motto
Standing in your financial gap.
Our Core Values
• Relevance • Transparency • Empathy • Passion • Integrity • Ethics • Efficiency
Our Objective
We purpose to be the drivers of economic growth by efficiently satisfying people's credit needs in a simple, friendly way that creates value to all stakeholders.
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