“To be the best micro finance service provider in terms of poverty reduction, job creation and
social upliftment”.



“To provide inclusive financial services to the needy and underprivileged, uplift their economic
status, empower and generate employment opportunities in a socially responsible manner”




          Client Delight
          Responsiveness towards                       Client needs
          Employee Satisfaction
          Accountability and Integrity
          Excellence in Service                                  Delivery

Story behind the Sejaya ...

Sejaya Micro Credit was incorporated in 2015 to change the situation in which big microfinance players are focusing on profit maximization and have forgotten the spirits of genuine microfinance. Ms. Renuka Rathnahewage, the founder and CEO, is a respected microfinance practitioner in Sri Lanka and has built the team from scratch with motivated professionals. Sejaya aims to create social capital, to enhance living standards and to reduce poverty of low-income households by providing inclusive financial services with social responsibility. ``Sejaya`` means ``Win for all`` in Sinhalese as we work hard to create a Win-Win-Win situation for our clients, staff, and Investors.



Our Products

“Specific loan products designed to meet our clients’ needs.”

JLG Loan (සෙජය මාතා)

Clients who need small capital to support their income generating activities.

House Renovation (සෙවණ)

Clients who need capital to build a small house or to repair/ renovate their houses.

Micro Enterprise Loan (කප්රුක)

Clients who need small loan to grow their existing micro business.

Emergency Loan(දිවි සහන)

Existing clients those who need money for emergency requirements.


Loan Enhancement (හරසර)

Existing clients who need a larger ticket size loan to carry out the micro business.

Seasonal Loans (අත හිත)

For the short-term requirement of the seasonal business

08Years Of Experience
57000Happy Clients
29Branch Locations
Hiripitiyage Ayesha Geethanjali is a member of Owitigama 3 Center of our Padukka branch. In the beginning, she was...
Colombo District - Padukka
Niluka 2
Mrs. R.M. Niluka Priyadarshani lives in Maligawila, Monaragala with her two children and her husband Mr. N.M.Chaminda Kumara Nishanka....
Monaragala District
Mrs. Wanasinghe Mudiyansela Bandulawathi is a mother of two children who owns a flower nursery. Bandulawathi’s husband works at...
Baddulla District