💳 Hustler Fund: Unlocking Opportunities for Every Kenyan

The Hustler Fund, officially known as the Financial Inclusion Fund, is a flagship programme under the Bottom-Up Economic Transformation Agenda (BETA). It was launched in November 2022 to provide accessible, affordable, and digital credit to individuals, groups, and MSMEs who have traditionally been excluded from formal financing.

The Fund aims to empower ordinary Kenyans, boost micro and small businesses, create jobs, and build a savings culture that strengthens household resilience.

✅ What the Government Has Delivered

📲 Digital Access for Millions

• Over 22 million Kenyans have accessed the Hustler Fund via mobile platforms (M-Pesa, Airtel Money, T-Kash).

• A total of KES 42+ billion disbursed since launch.

💰 Affordable Credit

• Loans as low as KES 500 for individuals and up to KES 2.5 million for SMEs.

• Interest rate capped at 0.002% per day (~8% per year) — making it one of the lowest-cost loans in Kenya.

👩🏾‍🌾 Empowering the Hustler Economy

• Beneficiaries include boda boda riders, mama mboga, artisans, and youth entrepreneurs.

• Micro-loans provided through chamas, SACCOs, and cooperatives.

💵 Savings & Financial Inclusion

• Every loan requires 5% automatic savings, building a culture of thrift.

• Savings mobilized under the Fund are being channelled into pension and social protection schemes for informal workers.

📊 Statistics

🚀 Medium-Term Commitments (2025–2027)

🌱 Expanding Credit Access

• Increase loan limits for repeat borrowers with good repayment history.

• Scale up access to SMEs and start-ups, with loans up to KES 5 million.

🏦 Strengthening Financial Ecosystem

• Deepen partnerships with SACCOs, cooperatives, and banks for group lending.

• Expand training and mentorship for youth and women-led enterprises.

🌍 Building an Inclusive Economy

• Leverage the Fund to create 500,000+ new jobs by 2027.

• Ensure universal access to affordable credit across all 47 counties.

• Support innovative, green and tech-driven enterprises under the Start-Up Loan Card.

👉 The Hustler Fund is more than just credit—it is a pathway to dignity, self-reliance, and prosperity for millions of Kenyans.