The Likumi Journey
Form A Group
Join with 4-9 other trusted traders in your market to form a solidarity group.
Orientation
Complete our initial financial literacy and program orientation session.
receive Funds
Get your K500 starting capital disbursed directly to your mobile money account.
Repay & Learn
Make weekly repayments while attending 10-minute market-side training sessions.
Financial Literacy Training
We know market traders don't have time for long classroom sessions. Our 24-module curriculum is delivered in quick, high-impact 10-minute chats right at your stall, focusing on practical skills you can use today.
Risk Mitigation
Understanding debt capacity, avoiding over-borrowing, and planning for seasonal market fluctuations.
Business Growth
Inventory management, pricing strategies, customer service, and identifying new market opportunities.
Money Management
Separating business and personal money, daily cash flow tracking, and building emergency savings.
Group Dynamics
Building trust, resolving conflicts, and leveraging the power of community support networks.
The Hybrid Advantage: Graduation
After successfully completing multiple loan cycles, reliable clients graduate from group liability to individual loan status, unlocking higher tiers (up to K3,500) and flexible 1-week terms.