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Kenya > Kenya Agency for Development of Enterprise and Technology (KADET), a partner of World Vision International

The Kenya Agency for the Development of Enterprise and Technology (KADET) was established by the World Vision Kenya in 2000 to provide effective credit inter-mediation and economic empowerment through business support for remote communities. In the past eight years of operations, we have been able to steadily develop a dominant niche as the preferred rural financier, alongside developing a portfolio that demonstrates the sustainability of rural finance. Kadet has entered into partnerships that have allowed the MFI to develop unique and contextualized financial products which are marketed in all of Kadet’s 54 Offices countrywide.

KADET Legal Standing
KADET is registered as a liability limited company under the Companies Act (Cap 486) Laws of Kenya, with all the shares held by the World Vision Kenya. It operates as a non regulated micro finance institution and as a member of the Association of Micro Finance Instructions in Kenya (AMFI) It’s Memorandum and Articles of Association required that no dividends are to be declared and that all the surpluses are to be ploughed back to the company for the furtherance of its purpose, ideals and objectives.

Kadet Statements of Belief
Our Vision is to become the leading institution in Kenya in rural financial services and enterprise development for an economically empowered society

Our Mission is to professionally provide financial services to the low-income entrepreneurs thereby contributing to poverty reduction by supporting small and micro enterprises to promote justice and the establishment of the Kingdom of God

Our Values for Success We are Christian
Kadet is founded on Christian principles and the teachings of Jesus Christ as recorded in the Hold Bible.

We are Committed to Rural Financing
We are called to serve by making finances accessible to rural communities; to relieve their suffering and promote the transformation of their condition of life by offering financial products that economically empower the communities we work with.

We Value People
We act in ways that respect the dignity, uniqueness and intrinsic worth of every customer and communities we serve, the donors, our staff and their families, boards and business partners. We celebrate the richness of diversity in human personality, culture and contribution.

We are Stewards
We are faithful to the purpose for which the resources (from donors and customers) are given, and manage them in a manner that brings maximum benefit to the rural and urban rural communities that we serve.

We are Partners
We are partners of the World Vision Micro Enterprise Development Program (MED), a part of an international World Vision Partnership that transcends legal, structural and cultural boundaries. We are partners with the rural and urban rural communities that we serve and with donors and financial institutions. We pursue relationships with the Government, investors, and communities around us, our staff and desire mutual participation.

We are Responsive
We are responsive to the deep-seated and often complex economic deprivation calls for sustainable and long-term economic empowerment. We maintain the commitments necessary for this to occur. We are responsive to new and unusual opportunities to meet customer demands.


Kadet Lending Methodologies KADET uses the group-based methodology for credit lending. This is not only cost effective but is also a prerequisite to effective outreach and rural penetration. However individual lending products are being developed and piloted commensurate with the dynamic needs of its target clientele.

Kadet Product Mix
KADET has developed market driven loan products that are tailored to suit our client needs across the country. These products are categorized as follows;

1. Business Loans
a) Business capital loans (Mkopo Biashara) - Loans for the enterprising community in both rural and urban areas.
b) Business start up loans – Loans for especially the economically disempowered community members who have challenges meeting the basic requirements of accessing a standard business loans.
c) Business asset acquisition loans (Jenga Mali) - Loans to KADET customers to acquire assets needed in their businesses.
2. Consumer loans
a) School fees loans (Somesha Loan) - Loans for KADET clients to meet school fees needs for their children.
b) Water tanks for Community financing (Maji Kwa Jamii) - loans for acquisition of plastic water tanks to enhance availability of safe water within the communities.
3. General Agri-business loans
a) Agricultural loan (Mkopo Shambani) – seasonal crop credit for farmers and entrepreneurs trading in agricultural produce.
4. Non – Financial services
a) Micro-Health Insurance (Uzima Health Insurance cover) - a package to enable customers and families of World Vision registered children to access quality health care services. This is in partnership with CIC insurance and National Hospital Insurance Fund (NHIF).
b) Credit with Education – a value added service availed to KADET clients within the groups on HIV & AIDS, Environment, and health and Hygiene education in partnership with World Vision Kenya programs.