Savings

• Minimum contribution Ksh. 2,000 monthly.
• Boosting by cash allowed (Subject to 6 Months for multiple of
• 3 times saving to apply).
• Members can save for specific goals or emergencies.

Share Capital

• Minimum Ksh. 10,000.
• Maximum not exceeding 5% of total share capital.
• Attractive dividend rate payable annually on prorata basis.

Fedha Savings

• Period savings in multiples of Ksh. 50,000.
• Duration 6, 12, 18 & 24 months.
• Attractive interest.
• payable on maturity on prorata basis.

Education Savings

• Minimum Ksh.500 per month.
• Duration 12 months.
• Attractive interest rate payable on maturity on prorata basis.

Holiday Savings

• Minimum Ksh.2000 per month.
• Duration 12 months.
• Attractive interest rate payable on maturity on prorata basis.

Welfare Savings

• Ksh.300 fixed contributions per month.
• Compulsory for all members.
• Benefits during sickness of the contributor and death
• of Next of Kin after six months of joining.

School/Educational Fees

• Maximum Ksh. 50,000 subject to three times of the savings.
• Maximum repayment period 6 months.
• Interest rate 2%pm on reducing.
• Processed within 24 working hours on receipt of loan application
• orm subject to cash flow.

Emergency Loan

• Maximum Ksh. 50,000 subject to three times of the savings.
• Maximum repayment period 6 months.
• Interest rate 2%pm on reducing.
• Processed within 24 working hours on receipt of loan
• application form subject to cash flow.

Normal Loan

• Maximum three times of the savings.
• Maximum repayment period 36 months.
• Interest rate 1 % pm reducing.
• Process time not exceeding 14 working days on receipt of loan
• application form subject to cash flow.

Spark Loan

• Maximum three times of the savings.
• Maximum repayment period 60 months.
• Interest rate 1.04% pm reducing.
• Process time not exceeding 14 working days on receipt of loan
• application form subject to cash flow.

Okoa Loan

• Maximum Ksh. 30,000 subject to three times of the savings.
• Maximum repayment period 1-month Interest rate 5% pm.
• Processed within 12 working hours from time of receipt of loan
• application form subject to cash flow

Karibisha Loan

• Exclusive to new members only Maximum repayment period 12 months.
• Interest rate 2% pm reducing.
• Process time not exceeding 2 working days on receipt of loan
• application form subject to cash flow.

Uwezo Loan

• Maximum three times of the savings.
• Maximum repayment period 12 months.
• Interest rate 2% pm reducing.
• Process time not exceeding 14 working days on receipt of loan
• application form subject to cash flow.

Normal Top-up Loan

• Maximum three times of the savings.
• Maximum repayment period 36 months.
• Interest rate 1.04 % pm reducing.
• Process time not exceeding 14 working days on receipt of loan
• application form subject to cash flow.