CHARLES NJOROGE
MANAGING DIRECTOR
CHARLES NJOROGE
MANAGING DIRECTOR
Charles Njoroge has over two decades wealth of experience in microfinance. Charles is a founder and Managing Director in Jawabu Biashara Limited. Charles has gone through the full cycle in the provision of innovative rural and urban lending serving within the spectrum of lending entities rising to occupy the corner office as a Chief executive office in Micro Africa and Letshego Kenya. Charles wealth of experience spans across East Africa (Kenya, Rwanda, Uganda, Tanzania and South Sudan), Eastern Europe (Kosovo) and West Africa (Sierra Leone and Nigeria). Charles Njoroge is a holder of a Bachelor of Arts – University of Nairobi, Masters in Business Administration (MBA-Entrepreneurship) from Moi University and a Master of Science (MSc Microfinance) from the State University Bergamo, Italy.
SAMUEL KAMAU GAITA
DIRECTOR OF OPERATIONS
SAMUEL KAMAU GAITA
DIRECTOR OF OPERATIONS
Mr. Samuel Gaita is a seasoned enterprise development specialist with over twenty years of hands-on experience in the lending sector. Throughout his career, he has built a strong foundation in micro-enterprise development and credit management, with a deep understanding of both the operational and strategic aspects of lending. Mr. Gaita steadily rose through the ranks to become Operations Manager at BIMAS, where he played a pivotal role in streamlining lending processes and improving efficiency. He later served as the Chief Operating Officer at Letshego (K) Ltd., where he continued to drive operational excellence and contribute to the growth of the institution’s lending services.
CYNTHIA KIMANI
HR & RIGOR MANAGER
CYNTHIA KIMANI
HR & RIGOR MANAGER
The Human Resource and Administrative Manager brings eight years of dedicated experience within the microfinance industry. She holds a Bachelor’s degree from the University of Nairobi and began her career as a credit officer in one of Kenya’s largest credit-only microfinance institutions. Her early exposure to frontline lending operations equipped her with a strong foundation in client engagement, credit processes, and organizational support functions—skills that have been instrumental throughout her professional journey. She joined Jawabu Biashara Ltd at its inception and has since played a central role in shaping its administrative and HR structures.
PERPETUA WANJIKU
ACCOUNTANT
PERPETUA WANJIKU
ACCOUNTANT
An enthusiastic, self-motivated, and dependable professional, she brings seven years of solid experience in the finance sector. Known for her reliability and strong work ethic, she began her career at Fargo Courier as an accounts clerk, where she gained essential hands-on experience in financial record keeping and transactional processes. She later joined a leading microfinance institution, where she served as a cashier and finance officer responsible for managing receivables. Her growing expertise and commitment to excellence paved the way for her current role as the Accountant at Jawabu Biashara Ltd. In this position, she plays a key role in overseeing financial operations and ensuring accuracy in reporting. She is also a CPA finalist, a testament to her ongoing pursuit of professional growth and excellence in the field of finance.
ALEXANDER NGOTHO
NEW BUSINESS CHANNEL
ALEXANDER NGOTHO
NEW BUSINESS CHANNEL
With over a decade of experience in the financial services sector, Kahoro has specialized in scaling mission-driven microfinance institutions and SACCOs. His expertise lies in driving sustainable growth through targeted market expansion, strategic partnerships, and member-focused marketing. Kahoro has led successful initiatives including new branch rollouts, innovative product launches, and high-impact campaigns that strengthen brand trust in underserved communities. He is passionate about aligning business growth with social impact and is known for optimizing member acquisition while delivering on revenue goals. Kahoro holds a Bachelor of Commerce degree from the University of Nairobi .