JoyInc Solutions Limited is a for profit social enterprise incorporated as a private limited company in Kenya. The company provides credit only micro and nano credit/financial solutions to the unbanked and underbanked, low income earners who have little or no access to traditional financial services. Our Credit innovations are based on right to own and other innovative delivery mechanisms encouraging regular micro/nano payment at daily, weekly or monthly lease/rental/repayment intervals. We empower people and create opportunity through responsive credit policies that widen access to credit and financial inclusion to those who need it most. Our solutions enable our client’s access productive assets and or skills that improve their incomes and livelihoods. Our mission is to provide best in-class credit innovations and service delivery to our clients. We measure our success by our customer’s success. Our aim is to transform lives and change communities.