Medical Credit Fund.

 Medical Credit Fund (MCF)

The healthcare situation in most counties in Kenya is seriously challenged  a scenario attributed to population increase  from 8 million  in 1960 to 40 million in 2010 a growth rate of 2.8% per annum.

Private health sector is also inadequate though it absorbs 50% of health expenditure in Kenya serving a crucial alternative option for healthcare.

KMET together with Medical Credit Fund and PharmAccess Foundation both from Netherlands initiated this intervention in 2010 to advance quality of healthcare services through the provision of affordable financing to the private health sector. Other partners include the Ministry of Health, Local banks (K-rep) and Chase bank administering the funds.


  • Provide healthcare financing and technical assistance to primary healthcare private facilities
  • Stimulate efficiency and quality improvements in the healthcare system

Program Objectives

  • Increasing the accessibility and availability of affordable financing for the sector in Kenya to enable further investments in quality improvement and increased capacity
  • Providing technical assistance on quality improvement for the primary healthcare delivery in the private health sector according to standards
  • Providing technical assistance to the private health sector to improve financial management and planning


  • Technical assistance to private practitioners
  • Health service standards development
  • Quality improvement training programs
  • Training in business planning
  • Hospital management information systems development and training for better data management
  • Accreditation against international standards

 Milestones made to date

The program has to date spread across sixteen counties in Western Kenya, recruited 203 health facilities and offered loans as follows:

Year 2011: KES 22,870,000

  • 38 Entry Loans (KES.12,320,000) disbursed
  • 5 Medium Loans (KES.10,550,000) disbursed

Year 2013: KES 96,496,000

  • 61Entry loans (KES.18,320,000) disbursed
  • 34 Medium loans (KES.76,176,000) disbursed

Year 2014- date:  76,150,000

  • 19 Medium loans (KES.44,150,000) disbursed
  • 2 Mature loan (KES.32,000,000) disbursed

Grand total loans offered to date: 204

Total Amount of loans offered to date: KES 224,045,000

Other Key Achievements:

  • Two centres of excellence have been established i.e. Siloam Hospital Ltd and Cherenganyi Nursing Home
  • 123 Facilities assessed                                                   
  • 122 Private Providers trained on Quality & Business Planning
  • 107 Business Plans and Quality Improvement Plans developed
  • 257 Facility-based staff trained on quality