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iNuka Pap


Enabling Kenyan companies to offer micro-insurance and instant micro-credit to their employees through an HR application.

$307 Raised out of $3,000
-850 Days Remaining

What is the urgent social or environmental need you are addressing?

In Kenya, only 4% of the 21 million working population are insured by their employers. Businesses face severe hardships due to lost work cases occasioned by injuries, illnesses and deaths. Employees lose their loved ones due to medical costs and other emergency situations worsened by financial constraint.


What is your solution to this need? Describe your business strategy

iNuka pap is a HR application that allows employees to access micro-insurance and instant micro-credit on their mobile wallet fully deductible from their salary at HR level. Through the platform, employers can also insure or provide access to insurance for their workers together with their families for as low as $ 0.03 a day. iNuka pap makes commission from insurance underwriters and earns an interest on the micro-loans.


Convince us it will work. What milestones have you achieved?

Kenyans have a low level of familiarity with insurance, but they understand microcredit, so iNuka pap has combined the two on a mobile platform and made the insurance the most affordable in the market. They integrate their platform with the company's HR system allowing them to automatically deduct their principle and interest from borrowers when the company disburses salaries at end of month. Other suppliers of these loans charge much higher interest rates of around 10% leading to long-term indebtedness.


Waweru Kuria
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Co-founder + CEO
George Kabugi
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Co-founder + Operations Manager

About Waweru Kuria

Waweru is building the market and facilitating the creation and modelling of the iNuka pap platform. He has 8 years of experience in sales, marketing and entrepreneurship, including working in the insurance industry for 5 years.

About George Kabugi

George ensures that iNuka pap has efficient operations. He has over 10 years in the finance industry and a degree from Strathmore University.

Why is your team uniquely qualified to run this venture?

It is a well selected team with the right back grounds such as Austin College graduate, Goldman Sachs Investment Banking and Safaricom Retail department, Area sales Rep and Dealer distribution management. We are passion driven and work well together.