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Centenary Microenterprise Services Ltd.

Our products

  • SME Loans
  • Revolving Credit
  • Medicare
  • Agribiz

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Contact

  • +(254) 797 333 888
  • info@cemesltd.co.ke
  • Mukangu Close, Off Ndalat Road Karen, Nairobi

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© 2026 CEMES Ltd. All rights reserved.

About

We Help Customers & Their Businesses

Centenary Microenterprise Services Ltd. (CEMES) started in March 2011 as a microfinance consultancy firm, serving microfinance and SACCO institutions in Kenya. The business later transformed into a micro-credit organization registered as a limited company by the laws of Kenya, Cap. 486.

The organization focuses on micro, small, and medium enterprises (MSMEs) to support individuals and strengthen community institutions to improve living standards. We have a wide range of affordable, high-quality financial products and services aligned with the needs of small businesses.

We Help Customers & Their Businesses

Core Values

We are committed to making the difference in the lives of the people.

  • Trust

    Trust between CEMES and the customer manifest itself through common goals, respect, and fulfilment of commitment to all stakeholders.

  • Efficiency & Effectiveness

    We strive for efficiency and effectiveness in achieving the objectives and goals of the organization through embracing changes observed in the market.

  • Attentiveness

    We are open to impressions from communities around and colleagues and take on board and evaluate new ideas.

  • Making the Difference

    We are committed to making the difference in the lives of the people at the bottom of the pyramid by delivering appropriate and quality products.

Leadership

The people behind CEMES

Relationship-managed lending starts with the team guiding every client partnership.

Nancy Kinyanjui

Leadership

Nancy Kinyanjui

Chief Executive Officer

Nancy leads CEMES with a data-driven approach, having championed the growth of the institution to over 75 branches across Kenya.

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  • Rael Cheptoo

    Rael Cheptoo

    General Manager

    Rael spearheads the Medicare Credit product, building partnerships with healthcare providers and employers to make quality healthcare accessible

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  • Jerome Ayaya Aura

    Jerome Ayaya Aura

    Head of Operations — CEMES

    Jerome oversees day-to-day operations across all CEMES branches, ensuring consistent service delivery and operational excellence for clients

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Partners

Who we work with

  • Safaricom