Kidashi
Empowering Women Through Digital Trust-Circle Finance
Bridging the 20% gender financial inclusion gap in Kaduna State by transforming informal savings groups into formal, DPI-powered financial networks.
The Challenge We're Solving
Women in Kaduna State face systemic barriers to formal financial services. National surveys show only 40% of women have formal financial access, compared to 60% of men — a critical 20% gender gap.
20% Gender Gap
Only 40% of women in Kaduna have formal financial access vs 60% of men
Traditional Barriers
Gender roles, low literacy, and inadequate digital infrastructure exclude women
No Credit History
Lack of identification (NIN/BVN) and formal financial records
Informal Savings
Reliance on unsafe informal groups with no growth opportunities
The Impact: Women traders operate in the informal sector without access to secure savings, fair credit, or growth opportunities. They rely on unsafe informal savings groups with no legal protection.
How Kidashi Works
From informal savings to formal financial inclusion in 6 simple steps
Agent Identifies Woman
Trusted community trader identifies unbanked women in their network
Low-Tech Onboarding
USSD or basic mobile app guides through registration, including NIN/BVN enrollment if needed
Account Activation
Tier 0 or Tier 1 Payrep MFB account created with full NDPC consent
Access to Credit
Woman receives trade financing with daily repayment schedule
AI Monitoring
System tracks repayments and provides support, building credit history
Financial Growth
Graduated access to larger credit facilities and formal banking services
The Kidashi Mobile App
Designed for low-literacy users with USSD fallback for areas with limited internet
Onboarding Screen
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Simple Registration
Agent-assisted onboarding with NIN/BVN capture in local languages
Main Dashboard
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Clear Dashboard
Large buttons, visual icons, and voice guidance for easy navigation
Daily Repayment
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Easy Payments
Daily repayment tracking with SMS reminders and offline capabilities
Built for Inclusion
Local Languages
Available in Hausa, Igbo, Yoruba, and English
Offline Mode
Works without internet connection
Voice Guidance
Audio instructions for all actions
USSD Fallback
*123# access for basic phones
Biometric Login
Fingerprint and face ID support
SMS Alerts
Transaction confirmations via SMS
Platform Features
Built on Digital Public Infrastructure for scale and inclusivity
Community Agent Network
Trusted local traders onboard women into formal financial services, eliminating traditional barriers.
Low-Tech Solutions
USSD and basic mobile interfaces designed for low-literacy users and areas with limited internet.
AI-Powered Monitoring
Smart algorithms track repayment patterns and provide early intervention for at-risk accounts.
DPI Integration
Seamless NIN/BVN registration and verification powered by Nigeria's Digital Public Infrastructure.
Daily Repayment Model
Flexible micro-credit with daily repayment cycles matching women traders' cash flow patterns.
NDPC-Compliant
100% compliant data handling with explicit consent and privacy protection for all users.
Our Goals & Objectives
Aligned with Nigeria's financial inclusion targets and SDG goals
- Onboard 5,000 women into Tier 0 or Tier 1 Payrep MFB accounts
- Enable 70% of unbanked women to become DPI-ready through NIN/BVN registration
- Achieve 90% repayment rate for digital credit in first year
- Maintain 100% NDPC-compliant consent and data handling
- Process 95% of agent transactions in under 10 seconds
Context: Kaduna State
Kaduna State faces a 20% gender gap in access to formal financial services (40% women vs 60% men).
Barriers include traditional gender roles, low literacy, and inadequate digital infrastructure.
Kidashi aligns with Nigeria's financial inclusion goals, leveraging NIN/BVN systems and NDPC-compliant data handling.
Who Benefits
A win-win ecosystem for women, communities, and financial institutions
Women Traders
Rural women gain access to formal financial services, secure savings, and fair credit
Community Agents
Local shop owners earn commissions while empowering their communities
Payrep MFB
Microfinance bank expands reach and fulfills financial inclusion mandate
Join the Financial Inclusion Movement
Partner with us to empower 5,000 women in Kaduna State and beyond