Duiker Finance

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Pushing financial inclusion

Driven by a philosphy to empower the finacially marginalised…

Duiker provides various financial products, including loans and savings, as well as non-financial services. Their loans cater to individual and business needs, while savings products help customers secure and grow their funds. They also offer services like financial education and consulting to improve customer experience.

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Salary-Based Loans

Short- to medium-term loans for civil servants and private-sector employees, with repayment deducted directly from salaries.

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SME Loans

Working capital and asset financing facilities for registered SMEs to support business expansion and sustainability.

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Emergency/Consumer Loans

Small, short-term loans designed to cover urgent household needs such as medical expenses, education fees, or emergencies.

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Group Lending Products

Loans provided to small groups of
entrepreneurs under a joint liability model, promoting financial inclusion
for micro-enterprises.

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Voluntary Savings Accounts

Enabling clients to save securely while building a credit history with the institution

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Compulsory Savings Linked to Loans

Encouraging clients to develop a
savings culture alongside borrowing.sential.

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Duiker Finance provides service to the following:

  • Civil Servants
  • Salaried Employees in the Private Sector
  • Registered Small and Medium Enterprises (SMEs)

Non-Financial Services


Financial Literacy and Training Programs: Educating clients on
responsible borrowing, savings culture, and small-business management.

Advisory Support for SMEs: Providing basic business management
advice to enhance borrower sustainability and repayment capacity.

  • My kids now go to school on the first day of school thanks to Duiker
    Runyararo Ruvamba
    School Teacher
  • I’m alive today because Duiker paid my hospital bills when I couldn’t
    Rex Tapfuma
    Doctor
  • Our business has grown 3x this year because Duiker trusted us when banks could not.
    Sam Rujeko
    Kubatana C.E.O

Embracing FinTech


We have adopted a digital-first approach by deploying mobile and online platforms for
loan applications, disbursements, and repayments.
Invest in a robust Management Information System (MIS) to improve
efficiency, risk management, and reporting to regulators.

Salary-Based Loans: Short- to medium-term loans for civil servants and private-sector employees, with repayment deducted directly from salaries.

SME Loans: Working capital and asset financing facilities for registered SMEs to support business expansion and sustainability.

Emergency/Consumer Loans: Small, short-term loans designed to cover urgent household needs such as medical expenses, education fees, or emergencies.

Group Lending Products: Loans provided to small groups of entrepreneurs under a joint liability model, promoting financial inclusion for micro-enterprises.

Clients must complete a standardized loan application form. Verification of employment or business activity, income, and credit history is mandatory.

A Creditworthiness assessment using a scoring system considering repayment capacity, past defaults, and collateral (if applicable) is conducted.

The maximum amount that can be loaned out depends on circumstances with a ceiling of $20 000 for both individuals and organisations unless a special request is made to the credit committee.

Duiker Finance charges an average lending rate of 20–22% per annum on its loan portfolio. The rate structure considers competitiveness in the market, risk profiles of borrowers, and regulatory guidelines for microfinance lending.

Get a loan today

Join us in our mission to empower communities and promote financial inclusion. If you’re seeking innovative financial solutions like microloans and savings facilities, we’re here to help individuals and small groups who are often overlooked by traditional banking systems. Together, we can make a difference and fight against poverty. Don’t hesitate to reach out and discover how you can benefit from our services!

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