Riverbank Credit and Savings Limited is a microfinance organization, founded in Kenya in June 2008. Originating from the Riverbank Crescent Self Help Group, it aims to confront the poverty and lack of resources that hides so much human potential in some of the world’s poorest people. Through microcredit, group loans, education loans, microhousing loans, emergency loans, savings, and insurance services, Riverbank provides affordable financial intermediation to those who would otherwise remain overlooked. Rather than issuing loans on the basis of collateral, Riverbank creates an exit from the cycle of poverty by focusing instead on character of the client, cash flow of the business, and conditions of the loan.