What is PEMiG and how does it work?

PEMiG (Peer-Enhanced Micro-credit with Group Liability) is a B2B SaaS platform that enables financial institutions to safely lend to thin-file borrowers (youth, first-time borrowers, informal workers) by transforming social capital into quantifiable creditworthiness. We use verified social backing and shared liability combined with Causal AI to generate PEMiG Scores that complement traditional credit scoring.

How do I sign up for PEMiG?

You can sign up by visiting the official web portal at app.pemigloans.co.ke to create a profile and begin building your social credit score.

Does PEMiG have a mobile app?

PEMiG is primarily a web-based platform accessible via their portal, with a dedicated mobile app currently in the rollout phase for Android users.

Who is PEMiG best suited for?

PEMiG is designed for financial institutions in Kenya that want to: increase youth lending (18-35 demographic), safely serve thin-file borrowers with limited credit history, differentiate from competitors with innovative products, unlock revenue from currently rejected applications, and reduce default risk through distributed social liability. Primary users: SACCOs, MFIs, digital lenders, and progressive banks.

Breet — Crypto & Stablecoins Payment API for African Businesses

Book a Demo

Promptmonitor — Track, measure, and improve how AI recommends your brand.

Get Started

PEMiG: Reviews & Alternatives (2026) – Liners

PEMiG

🇰🇪 Kenya

A B2B social credit scoring platform for Kenyan lenders that uses verified backers and shared liability to generate PEMiG Scores for youth and thin-file borrowers.

Available on:Web

Visit PEMiG

PEMiG is a B2B SaaS social credit scoring platform for financial institutions in Kenya that want to approve more thin-file borrowers, especially youth and first-time applicants, without relying only on traditional CRB history.

Key capabilities include:

PEMiG Score (300–850) generated with Causal AI, combining borrower CRB data (when available), verified backer CRB scores, social network strength signals, and liability distribution; the platform provides explainability using SHAP values.
Verified backing and shared liability: borrowers invite 1–3 credit backers (family, employers, friends). Backers receive SMS/email invitations, consent to CRB verification, and pledge proportional liability (5%–20% of the loan amount).
Integration and decisioning options: real-time scoring via REST API (typically returned once backers consent), for batch scoring (within 24 hours), and a option; pre-built adapters support .