To improve the livelihoods of its clients and the economies of the countries in which it operates through the provision of efficient and customer focused financial services while earning an above average return for its shareholders and creating a rewarding and stimulating working environment for its employees. Micro Kenya (MKL) was started in September 2000. The business was initially inspired by the phenomenal growth achieved by the micro-lending industry in South Africa and by the commercial and development success of Grameen Bank and ASA in providing financial services to poor communities in Bangladesh.