A step-by-step guide to starting a micro lending business in Kenya: CBK registration and licensing under the 2026 rules, capital and costs, choosing your niche, credit policy, M-Pesa and systems, and keeping defaults low.
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The 2026 CBK rules for digital and non-deposit-taking lenders explained: licence vs registration, KES 100,000 application and KES 500,000 annual fees, the three-stage application process, deadlines and ongoing obligations.
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