Pezesha selected to participate in Google launchpad Africa

March 22, 2018 in Announcements

(Right Joel, CTO, Hilda CEO at the centre and to the left Elvis the Lead Data Scientist at Pezesha)


Pezesha is delighted to be part of the first ever Google Launchpad Africa, in Lagos, Nigeria. Over the next three years the Launchpad Accelerator Africa programme will provide African startups with over $3-million in equity-free support, working space, and access to expert advisers from Google, Silicon Valley, and Africa.

Pezesha is a leading Peer to Peer marketplace in East Africa that connects qualityunderserved borrowers with lenders seeking a purposeful way to earn returns. We achieve this by first giving borrowers financial education and credit scores through our credit scoring platform- Patascore, where we educate borrowers to borrow responsibly by understanding their spending patterns and behaviour through conventional and unconventional data analytics. Then we connect and match eligible borrowers funneled from patascore, with lenders on our Pezesha marketplace.

For us as Pezesha, this has come at the right time when we are scaling up our business, data science capacity and tech infrastructure. We are also looking forward to learn and strategically collaborate with the other 11 entrepreneurs across Africa participating in the program.

Pezesha: Growing with women

March 9, 2018 in success stories

Post by Pezesha women (credits to Margie, Tekla, Tabitha, Fiona)

They say if you empower a woman, you have empowered the world. This couldn’t be any less true as Pezesha has endless tales of many such women who’ve been scored and loaned through our micro lending P2P marketplace. Our name says it all, which is a swahili acronym of “Pesa + Wezesha” to mean financial empowerment. Pezesha is a Peer to Peer marketplace that connects quality borrowers with lenders seeking a purposeful way to earn returns. We leverage on both conventional and unconventional data to build robust and contextual credit scores for our customers.

We pride in the fact that our loan products and marketplace have been of great benefit to many women to borrow responsibly with a long term view in mind. The impact is not only felt by our customers but also by the people around them. Out of our vast customer base, 80% are youthful women. Out of these, more than 60% have received credit scores that have qualified and graduated them to bigger loans to enhance their living standards and business growth.

Through our financial literacy program and lending activities, we have been able to successfully create more than 10,000 jobs for these women and our impact can only be truly expressed by the very women themselves:


“I was hawking shoes around my neighborhood when I first got a Ksh 3000 loan from Pezesha. After a series of borrowing, I have been able to get loans of higher amounts from my good credit score that continues to improve every time and Pezesha also gives me tips on how to improve my score. The loans have enabled me to increase my shoe business from 30 pieces to 80 pieces. I also opened up a new stall and my income has doubled. I can now comfortably pay school fees for my son.”

-Veronicah Masaa- 10 loans


“I started my green grocery business by preparing vegetables for my customers who needed them ready for cooking. I qualified for a loan with Pezesha which enabled me to purchase tomatoes as an additional product for my business.  Through subsequent loans with Pezesha, I am now able to buy 2-3 crates of tomatoes every week which I distribute to other small scale retailers around Kayole.”

-Mercy Kerubo Sereti- 11 loans

Women are at the very heart of Pezesha and we endeavour to keep empowering more of them by continuing to unlock the thousands of opportunities that lie in their propensity. In turn, our overall objective is to promote their sustainability and make the world a better place.

Our CEO Hilda Moraa, has also created equal opportunities for both men and women at the workplace. Pezesha’s 50% workforce is made up of young and capable women.

“If you want something said, ask a man; if you want something done, ask a woman.” – Margaret Thatcher


Pezesha enables instant loans via SMS

October 29, 2017 in Announcements, Product

Pezesha has launched a new service that enables borrowers on its peer-to-peer lending platform to apply for loans via SMS. The SMS channel is a new process through which Pezesha registered borrowers will only need to send the word “Apply” to Pezesha’s SMS short code 22235 and instantly get funded at no extra cost other than the normal Safaricom SMS charges of Kshs 1 per SMS.

“This follows the constant demand from our existing borrowers (now more than 6,000) and new borrowers who yearn to grow their micro enterprises and our consistent efficiency that not only guarantees our customers’ replenishment of their stock in time and increase in their profits, but also gives them access to their credit score history report and how to improve it in order to  get bigger loans to double their micro entreprises growth and climb up the financial ladder”, says Tabitha, Pezesha’s Marketing Lead.


For a borrower to use the SMS channel, they MUST meet the following criteria:

  • Have been vetted and registered by a Pezesha agent in their location.
  • Have taken at least one loan with Pezesha following their registration
  • Have no pending payments on their previous loan
  • Have paid BOTH their first and second installments in time
  • Have been qualified through our robust credit scoring system
  • Have read,fully understood, and agreed to Pezesha’s Terms & Conditions

How it Works

To go through a successful loan application using the new SMS channel, a borrower undertakes the following steps:

“We target low income audience and currently at least 80% do not own a smartphone. Meaning they cannot access affordable financial services from their low end phones. Pezesha, therefore aims to use this SMS channel to bring choice and financial inclusion to the more than 6 Million excluded informal populations of micro businesses in Kenya. Most important use our agent networks across the country to enlighten our low income households target on financial literacy that elevates them up the financial ladder.” adds Tabitha from Pezesha.


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