Our Products

Our Products

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Savings Products

This product is designed to assist members in saving money while simultaneously serving as a loan multiplier. By encouraging regular savings, it not only helps members build a secure financial foundation but also enhances their eligibility for larger loans. This dual functionality empowers members to achieve their financial goals more effectively, allowing them to leverage their savings to access greater financial resources when needed.

Loan Products

This product enables members to borrow money from the SACCO, with the flexibility to repay the loan over time, along with interest. Designed to meet various financial needs, this lending option empowers members to access funds for personal or business purposes while promoting responsible borrowing and repayment practices.


Savings Products

1. Share Capital (SC)
Each member must hold a minimum of 10 non-withdrawable shares at Ksh. 500 per share, used as a dividend calculator.
2. Savings Account (SA)
Members are required to make regular contributions, which are non-withdrawable and come with a loan multiplier of 3 times.
3. Fixed Deposits (FD)
Minimum amount of
Ksh. 10,000, with a maturity period of 6 or 12 months.
4. Holiday Savings Plan (HS)
Help members plan for holidays. Annual Savings
5. Education Savings Account (ES)
Help members save for school fees. Withdrawal in Jan, May, and Sep. Can be used as a lien for an education loan.

Loan Products

1. Quick Loan (QL)
Quickly accessed through mobile phones,
50% of available savings
Maximum amount Ksh50,000,
1month repayment period.
2. Express Loan (XL)
Maximum amount 100,000, 4 months’ maximum repayment period,
No pay slip required.
3. Salary Advance (SL)
Open to salaried members to meet short term
needs, 3 times mandatory savings, 4 months maximum repayment period.
4. Emergency Loan (EL)
For proven emergency situations, 12 Months maximum repayment period, 3 times mandatory savings.
5. Education Loan (EL)
To help members pay school fees on time,
12 months’ maximum repayment period,
Payment directly to the school account.
6. Business Loan (BS)
For starting or expanding businesses. 3 times mandatory savings,
36 months’ maximum repayment period.
7. Logbook Loan (LB)
Loans against motor vehicles. 36 months’ maximum repayment
period, Zero mileage- 80% of MV, 7 years and below- 60% of FSV : >7<20
years- 40% of FSV.
8. Asset/ Motor vehicle
Financing (AF)
Facilitates acquisition of motor vehicle's and other assets, 5 years maximum repayment period, Joint ownership or charging of asset.
9. Development Loan (DL)
For property development purposes, 3 times mandatory savings, 6 years maximum repayment period.
10. Property Financing (PF)
Facilitates property acquisition,10 years’ maximum repayment period, joint ownership or charging of property.