Rafiki Microfinance Bank is a Kenyan deposit-taking microfinance institution offering SME-focused business loans from KES 100,000 to KES 2 million with repayment periods of 1 to 24 months. Interest is charged on a reducing balance at approximately 19% to 23% per year. The Lipa na Rafiki mobile service provides quick top-ups up to KES 300,000 based on account activity and transaction history. Rafiki targets active business customers with collateral-free options for active accounts.