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Jun 27, 2026(about 2 hours ago)
A Kenyan government digital fund offering instant unsecured mobile loans and savings via USSD, with disbursement and repayment through M-Pesa, Airtel Money, or T-Kash.
The Financial Inclusion Fund (FIF), popularly known as Hustler Fund, is a Kenyan government-backed digital program that provides unsecured mobile loans and savings products for low-income earners, informal sector workers, and micro and small business owners.
Key capabilities include:
Available via USSD (*254#) for transactions and a web portal for product information and resources; loan disbursements and repayments use M-Pesa, Airtel Money, and T-Kash.
Target users include individual Kenyan citizens, especially those in the informal sector, plus groups and MSMEs where applicable.
It is notable in Kenya’s fintech and MSME landscape as a national financial inclusion initiative launched in 2022, designed to expand access to affordable credit and savings for underserved segments through widely used mobile networks and mobile money rails.
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