Lend to Your Community.
Earn Backed Returns.
Borrow with guarantors. Lend with confidence through social accountability. Unlike traditional P2P platforms, your guarantors — not our platform — back your loan. Their wallet balance is reserved as security.
The Zedek Kopeshana Model
Zedek does NOT guarantee principal. Instead, guarantors you choose back your loan. Their wallet balance is reserved as collateral backup. Guarantors are users of various products within Zedek
Lender Lists
You can log in as a Lender, configure a loan, and wait for requests.
Borrower Requests
Log in as a borrower, apply for a loan, appoint a guarantor. Your guarantors accepts the requests and the loan is disbursed.
Guarantor Reserves
Your guarantors accept, and their wallet balance is reserved as collateral backup for the duration of the loan.
Why choose the Zedek way?
We have re-engineered peer-to-peer lending specifically for the Kenyan market, prioritising the security of the lender while enabling growth for the borrower.
-
Principal is 100% Guaranteed
-
Freedom to curate your loan as a lender
-
Choose from many lenders who meet your terms
| Feature | Traditional Bank | Zedek Kopeshana |
|---|---|---|
| Guarantor Required | Strict Assets / Collateral | Social (Wallet Balance) |
| Principal Insured | Varies | No (Social Accountability) |
| Social Trust Model | None | Yes |
| Processing Time | 2–4 weeks | 48 hours |
| Early Repayment | Penalty Fees | Free, instant release |
How Lending Works on Kopeshana
A peer-to-peer marketplace where lenders set terms, borrowers find matches, and guarantors back trust.
Lender Lists a Loan Scheme
Specifies max amount, interest rate, and repayment terms. Creates an available loan scheme on the marketplace.
Borrower Browses & Applies
Logs in, browses available schemes, applies with principal amount & duration, then appoints a guarantor.
Guarantor Accepts or Declines
If accepted, guarantee amount is reserved in their wallet — can't withdraw until loan is repaid.
Lender Accepts & Money Sent
Once guarantor is secured, lender accepts. Funds are disbursed directly to borrower's wallet.
Borrower Repays the Loan
Borrower repays on schedule. Guarantor's reserved balance is released. Lender receives principal + interest.
Full Cycle Complete
Everyone wins — borrower gets capital, lender earns returns, guarantor builds social credit.
Impact Across Kenya
Your capital isn't just growing — it's building dreams and expanding businesses.
Grace Wanjiku
"I borrowed KES 150,000 to add four new stations to my salon. Today I employ five young women from my neighborhood."
Loan Amount
KES 150k
Status
Fully Repaid
Samuel Otieno
"The KES 400,000 loan for irrigation equipment allowed me to farm year-round. My yield increased by 300% in one cycle."
Loan Amount
KES 400k
Status
Ongoing
Mary Akoth
"Zedek financed my data science bootcamp. Within two months of finishing, I secured a role at a tech hub in Nairobi."
Loan Amount
KES 120k
Status
Fully Repaid
How the Guarantor System Works
The guarantor's wallet balance acts as a reserve — not locked but unavailable for other use until the loan is repaid. They still own the money, but it serves as a silent collateral for the community's trust.
Live Example
Borrower Requests
Identifies social backers from their trusted network.
Guarantor Reserves
Balances are reserved as silent backup collateral.
Lender Funds
Money is disbursed directly to the borrower's wallet.
Risk Management & FAQs
Ready to borrow with trust?
Borrowers: Find guarantors and request funds. Lenders: Review profiles and guarantee strength to lend with confidence.