Empower your teachers with instant salary-backed loans.
Ngemi Finance automates teacher loan management for schools. From enrollment to automatic deduction, we handle the entire workflow.
Complete Loan Management
Everything your school needs to support teacher financial wellbeing
Instant Processing
Applications approved within minutes. Teachers get funded same day via M-Pesa.
Payroll Integration
Automatic deductions from teacher salaries. No manual collections needed.
Zero Operational Burden
School admins just oversee. We handle approvals, disbursements, and collections.
Built Specifically for Kenyan Schools & Educators
Principals and school accountants gain complete transparency without taking on financial risk or manual bookkeeping. Teachers enjoy dignified, emergency financial support directly on their mobile phones.
Simplified Workflow
From onboarding to repayment in 5 simple steps
School Onboarded
Register your school and connect to Ngemi
Teachers Onboarded
Teachers sign up and verify their details
Teachers Apply
Teachers apply for loans on their phone
Auto Disbursed
Approved loans sent instantly to M-Pesa
Payslip Deduction
Automatic monthly deduction from salary
Why Schools Choose Ngemi
Proven benefits for schools and teachers
Teacher Satisfaction
Teachers get financial support when they need it most. Improves morale and retention.
Reduced Workload
School admin is removed from loan management. No manual processing or collections.
Automated Payroll Recovery
Loans are recovered directly from school payroll automatically on payday.
Competitive Rates
Fair interest rates designed specifically for teacher salary structures and repayment capacity.
Full Transparency
Real-time dashboard showing all loans, repayments, and school performance metrics.
24/7 Support
Dedicated support team available to help with setup, troubleshooting, and optimization.
Book a Demo
See how Ngemi Finance can transform teacher lending at your school.