Financial infrastructure for group loans

Low risk and easy management of your group loans

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About Sevi

SEVI enables micro lenders like MFIs, suppliers, banks and e-commerce platforms to provide group loans to their clients at low cost.

Automated KYC

Automated KYC, on phone number, name, ID and CRB rating.

Reputation Scoring

Relative reputation scoring to stimulate group solidarity.


Transparent and free transactions from credit provider to groups and beyond.

Learn more

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What is Sevi

SEVI makes Microfinance affordable and accessible for entrepreneurs to build their business. Group solidarity mechanisms are widely applied and have been proven through decades of microfinance experience. We have translated this proven mechanism to a digital group loan model.

What drives us

We are convinced entrepreneurship are the catalyst to growth. Entrepreneurs face many hurdles to grow their businesses from a micro to small to medium company. Access to affordable finance is one of the key issues. We are driven to overcome this gap.

Sevi team

Bartel Verkruijssen

Bartel has 10 years of experience in the field of entrepreneurship, IT and telecom. He is fast at design, development and validation of proof of concepts. Bartel masters a unique combination of visionary thinking and a hands-on performance capacity. Bartel is committed and knows how to build development teams and companies. He has done this several times and after the last successful exit he is now is ready to make a lasting change in the world of inclusive finance.

Walter aan de Wiel

Walter is a strategist and doer and thinks in possibilities. He is excellent in building partnerships. As director at Enviu he co-founded 10 social enterprises in emerging markets and supported many more through the business accelerator he founded called Truvalu.startups. One of the companies he co-founded at Enviu is People’s Pension Trust, a micro pension company for the informal sector in Ghana, which won the award of Pension Company of the Year 2018.

Edicah Walter Charo

Edicah is an esteemed community worker and entrepreneur in Kenya. He has 14 years of experience with group loans, community development and online/mobile commerce. As a community worker he not only knows how to work with groups, but also how to interact to get valuable feedback from the groups, to improve and enhance the Sevi product. As an entrepreneur he is well experienced with sales and deal making.

Digital group solidarity lending model

Sevi has developed a simple-to-use mobile app, which requires two smartphones per group. The chair of a loan group creates a group and adds its members. Group members receive an invite through SMS to join the group and are run through a KYC process to be verified. Through gamified reputation scoring individuals and groups can increase their benefits.

On boarding

Sevi provides an automated extensive KYC process for financial institutions to comply with international regulation. Avoid manual ID and credit checkes or expensive API integrations with CRB and IPRS. It is all included in the Sevi app.

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Gamified reputation score

To minimise risk, Sevi has developed an algorithm to calculate a reputation score per individual based on repayment behaviour, listing at other MFIs, as well as a relative credit scoring based on its close relations.
Individuals gain points through gamification. The sum of the individual reputation score forms the group score. This group score determines eligibility for a loan and maximum loan amount. By growing the group score they can grow to a next loan level with higher loan amounts and/or lower interest rates. This means all group members are incentivised for good behaviour.

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Beta testing

Sevi is currently beta testing in Ghana, Kenya and India. Interested to join our beta testing? We would love to tell you more and show you our demo. Contact us at

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Processing fee

Sevi provides IT infrastructure to serve the current Microfinance industry. For this service we charge a processing fee per loan through the Sevi platform.