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RK-FINFA

Signing of the Aide Memoire for the RK-FINFA Mid-Term Review

PS Dr. Chris Kiptoo, National Treasury, and Mr. Matteo Marchisio, IFAD Country Director for Kenya, sign the Aide Memoire for the Mid-Term Review.

How we align

RK-FINFA at a glance

The investment, the reach and the timeline of the facility.

Total project cost
US$ 134.05m
Rural households reached
190,000
Implementation period
2022 – 2028
71% of the way through
Participating financial institutions
41

Where the project stands

Public progress data for each RK-FINFA component, updated September 2026.

Financial service providers supported
12
Counties reached
14
Figures updated
September 2026

  • PFI Capacity Building for Rural Outreach and Innovation

    29%

    Financial service providers supported in outreach strategies - 2 MFIs, 5 SACCOs and 5 commercial banks

  • Rural Credit Guarantee Scheme (R-CGS)

    100%

    PFIs contracted under the R-CGS - 5

  • Business Development Services for Agribusinesses and Smallholders

    64%

    Rural enterprises (MSMEs) accessing business development services - 960 MSMEs

  • Business Development Services for Agribusinesses and Smallholders

    68%

    Persons in rural areas trained in financial literacy and/or use of financial products and services (smallholder farmers outreach) - 33,991 Smallholders

  • GFF Credit Access

    36%

    Persons in rural areas accessing GFF - 8,026

  • GFF Credit Access

    23%

    Financial institutions implementing GFF - 7

  • GFF Credit Access

    35%

    Women and youth-specific products developed and deployed by SACCOs and MFBs under GFF - 7

Results reach 14 counties; open a tab above to see each indicator on the map.

Map of Kenya: Rural enterprises (MSMEs) accessing business development services - 960 MSMEs , by county Baringo: no data Bomet: no data Bungoma: 120 · 12.5% Busia: 63 · 6.6% Elgeyo Marakwet: no data Embu: 100 · 10.4% Garissa: no data Homa Bay: no data Isiolo: no data Kajiado: no data Kakamega: 87 · 9.1% Kericho: no data Kiambu: no data Kilifi: no data Kirinyaga: 57 · 5.9% Kisii: 61 · 6.4% Kisumu: no data Kitui: no data Kwale: no data Laikipia: no data Lamu: no data Machakos: 65 · 6.8% Makueni: no data Mandera: no data Marsabit: no data Meru: 51 · 5.3% Migori: no data Mombasa: no data Murang'a: no data Nairobi: no data Nakuru: 68 · 7.1% Nandi: 58 · 6% Narok: no data Nyamira: no data Nyandarua: no data Nyeri: 53 · 5.5% Samburu: no data Siaya: 65 · 6.8% Taita Taveta: no data Tana River: no data Tharaka Nithi: 61 · 6.4% Trans Nzoia: 51 · 5.3% Turkana: no data Uasin Gishu: no data Vihiga: no data Wajir: no data West Pokot: no data
14 counties with data. Hover over or tap a county to see its figures.
  • 51–53
  • 57–61
  • 63–65
  • 68–87
  • 100–120
  • No data

County boundaries: geoBoundaries / RCMRD GeoPortal (2020).

Business Development Services for Agribusinesses and Smallholders

Rural enterprises (MSMEs) accessing business development services - 960 MSMEs

64% of target

  1. 1. Bungoma 120 · 12.5%
  2. 2. Embu 100 · 10.4%
  3. 3. Kakamega 87 · 9.1%
  4. 4. Nakuru 68 · 7.1%
  5. 5. Machakos 65 · 6.8%
  6. 6. Siaya 65 · 6.8%
  7. 7. Busia 63 · 6.6%
  8. 8. Kisii 61 · 6.4%
  9. 9. Tharaka Nithi 61 · 6.4%
  10. 10. Nandi 58 · 6%
  11. 11. Kirinyaga 57 · 5.9%
  12. 12. Nyeri 53 · 5.5%
  13. 13. Meru 51 · 5.3%
  14. 14. Trans Nzoia 51 · 5.3%
Map of Kenya: Persons in rural areas trained in financial literacy and/or use of financial products and services (smallholder farmers outreach) - 33,991 Smallholders, by county Baringo: no data Bomet: no data Bungoma: 3,961 · 11.6% Busia: 3,287 · 9.6% Elgeyo Marakwet: no data Embu: 2,095 · 6.1% Garissa: no data Homa Bay: no data Isiolo: no data Kajiado: no data Kakamega: 3,792 · 11.1% Kericho: no data Kiambu: no data Kilifi: no data Kirinyaga: 2,017 · 5.9% Kisii: 2,089 · 6.1% Kisumu: no data Kitui: no data Kwale: no data Laikipia: no data Lamu: no data Machakos: 2,257 · 6.6% Makueni: no data Mandera: no data Marsabit: no data Meru: 2,587 · 7.6% Migori: no data Mombasa: no data Murang'a: no data Nairobi: no data Nakuru: 2,401 · 7% Nandi: 1,979 · 5.8% Narok: no data Nyamira: no data Nyandarua: no data Nyeri: 1,383 · 4.1% Samburu: no data Siaya: 2,674 · 7.8% Taita Taveta: no data Tana River: no data Tharaka Nithi: 2,109 · 6.2% Trans Nzoia: 1,360 · 4% Turkana: no data Uasin Gishu: no data Vihiga: no data Wajir: no data West Pokot: no data
14 counties with data. Hover over or tap a county to see its figures.
  • 1,360–1,979
  • 2,017–2,095
  • 2,109–2,401
  • 2,587–3,287
  • 3,792–3,961
  • No data

County boundaries: geoBoundaries / RCMRD GeoPortal (2020).

Business Development Services for Agribusinesses and Smallholders

Persons in rural areas trained in financial literacy and/or use of financial products and services (smallholder farmers outreach) - 33,991 Smallholders

68% of target

  1. 1. Bungoma 3,961 · 11.6%
  2. 2. Kakamega 3,792 · 11.1%
  3. 3. Busia 3,287 · 9.6%
  4. 4. Siaya 2,674 · 7.8%
  5. 5. Meru 2,587 · 7.6%
  6. 6. Nakuru 2,401 · 7%
  7. 7. Machakos 2,257 · 6.6%
  8. 8. Tharaka Nithi 2,109 · 6.2%
  9. 9. Embu 2,095 · 6.1%
  10. 10. Kisii 2,089 · 6.1%
  11. 11. Kirinyaga 2,017 · 5.9%
  12. 12. Nandi 1,979 · 5.8%
  13. 13. Nyeri 1,383 · 4.1%
  14. 14. Trans Nzoia 1,360 · 4%
Map of Kenya: Persons in rural areas accessing GFF - 8,026 , by county Baringo: no data Bomet: no data Bungoma: 376 · 4.7% Busia: 27 · 0.3% Elgeyo Marakwet: no data Embu: 115 · 1.3% Garissa: no data Homa Bay: no data Isiolo: no data Kajiado: no data Kakamega: 405 · 5% Kericho: no data Kiambu: no data Kilifi: no data Kirinyaga: 562 · 7% Kisii: 512 · 6.4% Kisumu: no data Kitui: no data Kwale: no data Laikipia: no data Lamu: no data Machakos: 66 · 0.8% Makueni: no data Mandera: no data Marsabit: no data Meru: 1,325 · 16.5% Migori: no data Mombasa: no data Murang'a: no data Nairobi: no data Nakuru: 480 · 6% Nandi: 594 · 7.4% Narok: no data Nyamira: no data Nyandarua: no data Nyeri: 836 · 10.4% Samburu: no data Siaya: 992 · 12.4% Taita Taveta: no data Tana River: no data Tharaka Nithi: 211 · 2.6% Trans Nzoia: 1,525 · 19% Turkana: no data Uasin Gishu: no data Vihiga: no data Wajir: no data West Pokot: no data
14 counties with data. Hover over or tap a county to see its figures.
  • 27–115
  • 211–405
  • 480–562
  • 594–992
  • 1,325–1,525
  • No data

County boundaries: geoBoundaries / RCMRD GeoPortal (2020).

GFF Credit Access

Persons in rural areas accessing GFF - 8,026

36% of target

  1. 1. Trans Nzoia 1,525 · 19%
  2. 2. Meru 1,325 · 16.5%
  3. 3. Siaya 992 · 12.4%
  4. 4. Nyeri 836 · 10.4%
  5. 5. Nandi 594 · 7.4%
  6. 6. Kirinyaga 562 · 7%
  7. 7. Kisii 512 · 6.4%
  8. 8. Nakuru 480 · 6%
  9. 9. Kakamega 405 · 5%
  10. 10. Bungoma 376 · 4.7%
  11. 11. Tharaka Nithi 211 · 2.6%
  12. 12. Embu 115 · 1.3%
  13. 13. Machakos 66 · 0.8%
  14. 14. Busia 27 · 0.3%

About the facility

Transforming rural and smallholder agriculture

RK-FINFA is a six-year development project financed jointly by the International Fund for Agricultural Development (IFAD) and the Government of Kenya (GoK). It supports the transformation of the rural and smallholder agriculture sector through private sector-led development by improving the access of smallholder farmers and rural micro, small and medium enterprises to appropriate financial services.

The facility contributes to the Bottom-up Economic Transformation Agenda (BETA) 2022–2027 through the Rural Credit Guarantee Scheme and the Green Financing Facility.

Read the background Alignment to BETA

Project goal

Reduce poverty, enhance climate change adaptation and improve livelihoods in rural areas.

Development objective

Increase rural financial inclusion and green investments by agriculture value chain stakeholders.

Target population

66,000 smallholder households and 2,000 rural MSMEs as direct beneficiaries.

Inclusion targets

A minimum of 50% women and 30% youth across all capacity building and financing activities.

What we do

Project components

Rural Credit Guarantee Scheme (R-CGS)

Risk sharing that promotes rural outreach innovations and catalyses funding from Kenyan mainstream financial institutions into the rural and agriculture sector — KES 2.8 billion invested to leverage KES 11.5 billion in PFI lending.

Explore R-CGS CGS portal (opens in a new tab)

Green Financing Facility (GFF)

A permanent investment mechanism with start-up capital of KES 2.1 billion that encourages small-scale farmers and micro-firms to invest in climate-smart and environmentally friendly activities.

Explore GFF Green Finance Taxonomy (opens in a new tab)

Latest news

View all Latest news

Implementing & financing partners

The National Treasury (opens in a new tab) Agricultural Finance Corporation (opens in a new tab) Credit Guarantee Schemes (opens in a new tab) Agence Française de Développement (opens in a new tab) Foreign affairs of Finland (opens in a new tab) International Fund for Agricultural Development (IFAD) (opens in a new tab) Central Bank of Kenya (opens in a new tab) SASRA (opens in a new tab) Kenya Bankers Association (opens in a new tab) FSD Kenya (opens in a new tab) AGRA (opens in a new tab) Cordaid (opens in a new tab)