Regulated institutions
CBK institution registrylicence and supervision statusrisk-rated examination planning
Registered institutions
4
licensed or supervised
High risk
2
risk rating 4 or 5
Watch / enforcement
2
1 watch / 1 enforcement
Next examination
2026-07-29
Pamoja Digital Lenders
Institution registry
Schedule examination| Institution name | CBK license number | DCP license date | Total portfolio (KES) | PAR30 | Last examination | Next scheduled | Risk rating | Status |
|---|---|---|---|---|---|---|---|---|
| Situ Digital Credit Limited | CBK/DCP/2024/017 | 2024-09-18 | KES 2,435,000,000 | 8.7% | 2026-06-24 | 2026-09-16 | Risk 4 | Watch |
| Mwangaza Microfinance Bank | CBK/MFB/2018/006 | 2025-02-12 | KES 5,210,000,000 | 5.2% | 2026-03-11 | 2026-08-04 | Risk 3 | Compliant |
| Pamoja Digital Lenders | CBK/DCP/2023/041 | 2023-11-03 | KES 870,000,000 | 12.4% | 2026-02-19 | 2026-07-29 | Risk 5 | Enforcement |
| Hifadhi Credit Kenya | CBK/DCP/2025/009 | 2025-05-22 | KES 640,000,000 | 3.1% | 2025-12-08 | 2026-10-06 | Risk 2 | Compliant |
Institution profile
- Name
- Situ Digital Credit Limited
- CBK licence
- CBK/DCP/2024/017
- DCP licence date
- 2024-09-18
- Licence scope
- Digital credit provider with wallet disbursement and group-lending channels.
- Risk rating
- Risk 4
- Status
- Watch
- Last examination
- 2026-06-24
- Next scheduled
- 2026-09-16
Contacts and findings
- Primary contact
- Achieng Otieno, Chief Executive Officer
- Compliance contact
- Njoroge Mwangi, Chief Compliance Officer
- Open findings
- 2
- Critical
- 1
- Major
- 1
- Closed
- 0