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 members serving over 6.5 million clients with financial services countrywide, and representing an outstanding loan portfolio of over USD 310Million. From our Nairobi base, NCL has witnessed tremendous growth, recording a gross turnover of over Kenya Shillings 1.19 Billion (over USD 14 Million) by December 2013. Our Vision To be a world class leader in micro finance lending and financial management and ultimately become a fully fledged bank. Our Mission To provide a platform to visionary Kenyans to help them realize their goals by offering unique and tailor-made solutions to our clients matched with high levels of customer education, service and support as well as providing financial empowerment Our Objectives Ensure total customer satisfaction through provision of unique and quality products and services that meet our clients’ unique requirements. Ensure equal access to financial resources Encourage innovation/creativity Practice sustainable development Give back to the society through corporate social responsibility Ensure efficiency and effectiveness in provision of our services Ensure effective communication with clients and other stakeholders Give entrepreneurs an opportunity to actualize their goals in financial stability Protect the environment Our Core Values As a company we are guided by ETHICS: Efficiency and Effectiveness Teamwork Honesty Integrity Creativity and Innovation Social Responsibility