Rural Credit Guarantee Scheme (R-CGS)

Risk sharing that catalyses funding from Kenyan mainstream financial institutions into the rural and agriculture sector.

The R-CGS provides risk sharing mechanisms to promote rural outreach innovations, and catalyse funding from Kenyan mainstream financial institutions into the rural and agriculture sector.

GoK and IFAD invest KES 2.8 billion (USD 20 million) in the existing Credit Guarantee Scheme under the National Treasury. This is leveraged by Participating Financial Institutions (PFIs) lending KES 11.5 billion (USD 80 million) to rural MSMEs and agriculture value chains.

The national Credit Guarantee Scheme portal

R-CGS is delivered through the National Treasury’s Credit Guarantee Scheme, a partnership of the Government of Kenya, IFAD, RK-FINFA and the National Treasury. Smallholder farmers, rural MSMEs and agribusinesses apply through a participating financial institution.