About Lak Jaya Micro Finance Ltd. Business Model & Scale Loan Products Offered Growth & Strategic Goals Contact / Head Office
Lak Jaya Micro Finance Limited (Lak Jaya) is a licensed microfinance company that began operations in 2002. It operates under the Companies Act No. 7 of 2007 and is regulated by the Central Bank of Sri Lanka under the Microfinance Act No. 6 of 2016. It was founded with the Grameen microfinance model and later gained operational backing from ASA International via CMI investment.
• Designed to support low-income female entrepreneurs with individual loans (no joint liability).
• Operates 63 branches across 12 districts, including Colombo, Galle, Kandy, Nuwara-Eliya, and more.
• Today, serves over 45,000 clients and manages a USD 5.9 million loan portfolio. Portfolio at Risk (>30 days) stands at 4.5%.
• General Loan – For household or business needs.
• Personal Loan – For business expansion; first-time ceiling ~LKR 30,000, up to LKR 500,000 for follow-on loans, with flexible repayment terms (6–24 months).
• SME Loan – Tailored to support small and medium enterprises.
Founded with 8 branches in 2007, Lak Jaya rapidly expanded to 36 by 2015. It continues to scale with aims of reaching 75,000 clients and extending the branch network to approximately 60, supporting responsible and sustainable microfinance practices.
• Address: 1st Floor, No. 386B/1/1, High-Level Road, Pannipitiya, Sri Lanka
• Tel: +94 11 2851288
• Fax: +94 11 2844527
• Email: [email protected]
• Website: www.lakjaya.com
| Accepted Currencies: | Sri Lankan Rupees |
|---|---|
| Payment Types: | Cash, Credit Card |
| Mon |
09:00 AM - 05:00 PM |
|---|---|
| Tue |
09:00 AM - 05:00 PM |
| Wed |
09:00 AM - 05:00 PM |
| Thu |
09:00 AM - 05:00 PM |
| Fri |
09:00 AM - 05:00 PM |
| Sat | Closed |
| Sun | Closed |
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