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access to financial Agency the NGO Arifu MSE Information assets challenge that K-Rep Chikola Credit clients commercial banks commercially viable consulting services credit programme Credit Scheme decision to establish depend on donor deposits developing micro-enterprises development activities Development Microfinance development organizations development process documentation centre donor funds economic entrepreneurs and producers establish the K-Rep expand financial institutions financial intermediaries financial sustainability Future of K-Rep Grameen Bank grant groups Growth institutional capacity intermediaries Juhudi K-Rep bank K-Rep Development Agency K-Rep Holding Company K-Rep was established K-Rep's experience K-Rep's mission Kenyan NGO Kibera Kiwa Kshs legal and institutional loan portfolio Low income entrepreneurs management attention micro-enterprise and micro-finance micro-enterprise credit minimalist MSE credit MSE development MSE Information Documentation Nairobi Non-Governmental Organization opportunity participate poor in Kenya poverty alleviation program activities promoting Microfinance provide microfinancial services providing credit providing financial services social Structure of K-REP training and technical visionary leader welfare