Stawika offers members convenient access to microfinance services directly on their mobile phones.
👉 Note: This app is available exclusively to registered Stawika members.
📱 KEY FEATURES
✔️ Simple 5-minute application for members ✔️ Transparent terms with no hidden charges ✔️ Flexible repayment options ✔️ Secure disbursement of funds to M-Pesa
⚡ HOW IT WORKS
Apply in Minutes Download the app and submit your request, only accessible to members registered in Stawika.
Choose Your Terms Select the amount within your approved credit limit.
Get Your Funds Disbursement is made securely to your M-Pesa wallet.
Enjoy Ongoing Access Once approved, you can continue accessing funds against your limit.
Repay Easily Repayments can be made in full or partially before the due date.
👥 WHO CAN APPLY
✔️ Kenyan citizens aged 18+ ✔️ Must be registered to Stawika with valid ID and active mobile number
🌟 APP HIGHLIGHTS
🔹 Member Control
No auto-debit—repayment is fully member-controlled
Flexible repayment schedules
🔹 Transparent Pricing
Interest rates communicated clearly before approval
No hidden charges or fees
Pay only for the days you use the funds
🔹 Secure & Reliable
SSL encryption for data protection
Respectful member support
🔒 PRIVACY & PERMISSIONS
Data collected is used only for member verification & credit assessment
Stawika never sells or shares your data without consent
Registered with the Office of the Data Protection Commissioner (Kenya)
⚠️ DISCLAIMER Stawika app is not a Personal Loans app and does not provide payday loans. It is a platform only open to Stawika registered members to access facilities in line with cooperative and microfinance principles. Stawika app is not associated with online mobile cash loan apps in Kenya, such as Zenka, Branch, Timiza, Okash, MKopa, Fuliza, Kashway, MShwari, Zash, Ipesa, Mkopo Haraka, Kopesha, Asap, Creditmoja, Hustler fund, Credit Hela, Equity Bank app or Mkopo Rahisi.