Eshisha Microfinance brings accessible financial services — loans, savings, and digital payments — directly to informal market traders and micro-entrepreneurs across Namibia.
Millions of Namibians power the informal economy every day — running market stalls, hair salons, kiosks, and take-away food businesses — yet remain excluded from traditional banking.
Eshisha Microfinance was founded to change that. We embed financial services directly into informal markets through our Agent Pocket Bank (APB) network, bringing loans, savings, and digital payments to where people actually live and work.
All our products are designed for the realities of informal work — flexible terms, simple processes, and support that reaches you through our growing Pod network across Namibia.
Access working capital to grow your business. Our group-lending model means lower rates, shared accountability, and built-in community support. No formal collateral required.
From N$500 · Flexible TermsSave through your local Pod Leader using the Agent Pocket Bank (APB) POS system. Build a track record, earn rewards, and access your balance easily through the Eshisha App.
Daily · Weekly · MonthlyEmergency top-up credit for members in good standing. Access fast, small-value funds when unexpected needs arise — repayable within your normal savings cycle.
Fast · Members Only
Every action you take — and every action your group takes — builds points that convert to cash prizes. Eshisha Uplift Rewards is our way of celebrating the hard work of Namibia's informal economy.
Earn points every time you or a group member takes an active loan and repays on schedule.
Consistent saving streaks unlock bonus points and improve your credit profile.
Grow the community and earn referral points when your recruits become active members.
Regular app engagement and digital transactions add bonus points to your tally.
Real Namibians, real businesses, real impact. These are some of the entrepreneurs Eshisha is proud to serve.
Whether you want to apply for a loan, join a savings group, become a Pod Leader, or just learn more — reach out to our team in Windhoek. We're here to help.