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Package name: com.beatha.mkopokaka

The description of Download umba (formerly Mkopo Kaka) 0.8.5 APK


Umba allows users to apply, drawdown and repay loans directly from their smartphone or desktop computer. Once an individual is verified, we make lending decisions based on an assigned risk rating.

We are attempting to solve one of the biggest problems in the world. Over 2.4bn people are currently either underserved by the banking system or completely unbanked. Many have no regular income and no access to legitimate financial products.
Developing markets are going through a huge amount of change, much of which is being driven by increased technology availability. We are seeing unprecedented uptake in smartphone penetration in Africa. This growth is largely driven by the increased availability of low end cheap Android phones. This increased smartphone penetration brings a huge amount of possibilities with it.

Questions? Our Customer Experience Team provides excellent support for your financial needs, from 8AM-5PM, Monday through Friday. Message us within the app and receive an answer in minutes!


- Create your account
- Apply in seconds
- Receive an Umba Loan
- Increase your loan limit every time you repay a loan on time


Umba puts you in control of your finances. The Umba app lets you apply for credit on the go and it works 24/7.

- No paperwork, collateral or office visits needed
- You can use your Umba loan to send money directly to your M-Pesa account, to merchants, or utility providers
- No late charges or rollover fees
- Get access to bigger loans, lower fees, and flexible payment terms as you repay
- Loans are approved and disbursed quickly

Get access to credit to build the life you want -- for your business, your home, your family, your life.


Umba makes getting a personal loan simple by using the data on your phone including your SMS history to verify your identity and create a credit score. We encrypt the data you choose to share with us to protect your privacy. We take your privacy very seriously and promise to never share your information with third parties.

Loan amounts and interest rates vary by country.

Loan Amounts: Ksh 264 to Ksh 20,000
Repayment Periods: 62 days
APR: 22% to 240%
Example Fees: For a loan of Ksh 10,000, a flat fee of Ksh 2,160. No late fees, rollover charges, or origination fees.

We love hearing from our customers so please let us know on the details below if you have any questions or comments.

EMAIL: [email protected]
FACEBOOK: facebook.com/umbamobile
WEB: www.umba.com
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  • Requirements:

    Android 4.1+

umba (formerly Mkopo Kaka) 0.8.5 APK for Android 4.1+

Version: 0.8.5 for Android 4.1+

Update on: 2019-10-26

File size: 8.636.245 bytes

App permissions: view permissions

What's new:

Performance improvements

Download APK now

Versions history:
1. LATEST. umba (formerly Mkopo Kaka) 0.8.5 APK (2019-10-26, 8.636.245 bytes)
2. umba (formerly Mkopo Kaka) 0.8.4 APK (2019-10-21, 8.635.430 bytes)
3. umba (formerly Mkopo Kaka) 0.8.2 APK (2019-10-03, 8.337.835 bytes)
4. umba (formerly Mkopo Kaka) 0.8.1 APK (2019-09-08, 8.034.574 bytes)
5. umba (formerly Mkopo Kaka) 0.8.0 APK (2019-08-30, 8.008.505 bytes)
6. umba (formerly Mkopo Kaka) 0.7.9 APK (2019-08-25, 7.976.500 bytes)
7. umba (formerly Mkopo Kaka) 0.7.8 APK (2019-08-23, 7.975.270 bytes)
8. umba (formerly Mkopo Kaka) 0.7.6 APK (2019-07-30, 7.910.056 bytes)
9. umba (formerly Mkopo Kaka) 0.7.5 APK (2019-07-26, 7.907.564 bytes)
10. umba (formerly Mkopo Kaka) 0.7.4 APK (2019-07-19, 7.554.173 bytes)
11. umba (formerly Mkopo Kaka) 0.7.3 APK (2019-07-04, 7.545.679 bytes)
12. umba (formerly Mkopo Kaka) 0.7.2 APK (2019-07-01, 7.829.449 bytes)
13. umba (formerly Mkopo Kaka) 0.7.1 APK (2019-06-11, 7.830.644 bytes)
14. umba (formerly Mkopo Kaka) 0.6.4 APK (2019-05-16, 7.818.319 bytes)
15. umba (formerly Mkopo Kaka) 0.6.3 APK (2019-04-25, 7.813.768 bytes)
16. umba (formerly Mkopo Kaka) 0.6.2 APK (2019-04-19, 7.796.381 bytes)
17. umba (formerly Mkopo Kaka) 0.6.0 APK (2019-04-17, 7.794.066 bytes)
18. umba (formerly Mkopo Kaka) 0.5.9 APK (2019-04-11, 7.018.777 bytes)
19. umba (formerly Mkopo Kaka) 0.5.8 APK (2019-04-05, 7.408.013 bytes)
20. umba (formerly Mkopo Kaka) 0.5.7 APK (2019-03-22, 8.635.125 bytes)
21. umba (formerly Mkopo Kaka) 0.5.6 APK (2019-03-16, 8.374.098 bytes)
22. MkopoKaka 0.5.5 APK (2019-03-15, 7.032.359 bytes)
23. MkopoKaka 0.5.4 APK (2019-03-05, 6.953.408 bytes)
24. MkopoKaka 0.5.3 APK (2019-02-19, 6.955.440 bytes)
25. MkopoKaka 0.5.2 APK (2019-02-05, 6.906.938 bytes)
26. MkopoKaka 0.5.1 APK (2019-02-01, 6.876.746 bytes)
27. MkopoKaka 0.3.1 APK (2018-09-01, 5.523.566 bytes)
28. MkopoKaka 0.3.0 APK (2018-08-18, 5.507.386 bytes)
29. MkopoKaka 0.2.0 APK (2018-05-05, 5.088.181 bytes)
30. MkopoKaka 0.1.9 APK (2018-05-02, 5.087.465 bytes)
31. MkopoKaka 0.1.1 APK (2017-09-11, 3.648.862 bytes)