From Bold Dreams To Big Wins

Agnes Nginya, a hardworking entrepreneur from Gachoka in Mbeere South Constituency, Embu County, is a shining example of the power of financial inclusion. Her journey with BIMAS Microfinance began in 2016, at a time she describes as her lowest point. With limited income and rising responsibilities, Agnes made a brave decision to join a chama supported by BIMAS - and it changed her life.

Her first loan of Ksh 30,000 gave birth to a small retail shop. That humble beginning, paired with her determination and the structured support from BIMAS, marked the start of an extraordinary rise. Loan after loan, Agnes faithfully serviced her credit, grew her business, and gradually climbed the ladder of success. She later acquired two motorbikes for the bodaboda transport business, and as part of her entrepreneurial spirit, she mastered how to ride one herself. This has made her business errands more efficient and significantly reduced her transport costs - giving her more control and independence in her day-to-day operations.

Agnes did not stop there. With the ongoing support of BIMAS, she ventured into poultry and goat farming, and began roasting and wholesaling peanuts across Embu County. Her husband, an expert in roasting peanuts, works hand-in-hand with her, making theirs a truly family-run enterprise. Every business move Agnes makes reflects how strategic financial access can fuel growth, resilience, and self-sufficiency.

But the highlight of her journey? Agnes proudly says she owns a piece of land and a beautiful two-bedroom mabati house, and she is clear: this was made possible through BIMAS financial help. Every iron sheet raised, is a result of intentional financing that empowered her to dream big and achieve even bigger. She proudly says, ‘This is not just a shelter, it is a symbol of dignity, stability, and generational impact.’

In the semi-arid area where she lives, water scarcity is a common challenge, but through BIMAS’s support, her family received a large water tank that ensures a steady supply for domestic and business use. Agnes calls it a “lifesaver.” Education is also easier to manage now. With stable income, paying school fees for her children is no longer a struggle. Agnes is proud of how far she has come and is quick to encourage others to join BIMAS, confidently saying that they too can transform their lives.

Agnes who is currently servicing a loan of Ksh 200,000 joyfully encourages others to take the same step she did, declaring, “Joining BIMAS was the best decision I ever made!” Her story is a shining example of how BIMAS is driving financial inclusion, unlocking rural potential, and actively contributing to the Sustainable Development Goals (SDGs) - particularly in ending poverty, achieving gender equality, providing access to clean water and sanitation, and supporting decent work.