Ngao Credit Limited, a non-deposit taking Micro-Finance Institution (MFI), was incorporated as a Private Limited Company under the Companies Act (Cap 486) of the Laws of Kenya, on March 20, 2008 and commenced operations on July 1, 2009. Ngao Credit Limited (hereafter referred to as NCL) is also licensed by the City Council of Nairobi to provide small scale financial services such us Secured loans, Cheque cashing, import financing, asset financing and quick loans. NCL is a member of the Association of Microfinance Institutions of Kenya (AMFI), a member Institution registered in 1999 under the Societies Act by the leading Microfinance Institutions in Kenya to build capacity of the microfinance industry. AMFI membership ranges from large to small institutions which have diverse legal status ranging from Microfinance banks, Wholesale MFI’s, Retail MFI’s, Development Institutions and Insurance Companies, representing the entire landscape of the Microfinance industry in Kenya. Currently, AMFI has a membership of 53