Bridging Loans (Top-Up Loans)
This loan enables a member to pay off an outstanding main loan & apply for an enhanced loan equivalent to 3times his/her share to meet an urgent need. The request is evaluated & on approval the member is given a loan through the Front Office at a reasonable fee. The following rules MUST be observed to qualify for this category of loans: - A request for the facility MUST first be submitted in writing and approval given before the loan application is forwarded. A request received on or before 10th of the month will be responded to on or before 10th of the following month whether a de...Read more

Emergency Loans
  A maximum of Kshs. 50,000/= is approved to qualifying members to cover hospitalization, funeral expenses for relatives, court fines and unexpected calamities. Repayment period is 12 months It is mandatory that Documentary Evidence must be provided, to support the application. The loans are approved on a weekly basis. It has no cut off deadline for receiving the applications. Tariffs <click here> ...Read more

Main (Development) Loans
Members qualify for normal (Development) loans after 6 months of continuous contribution. The loan is based on main savings scheme, subject to a maximum x3 total shares. Repayment period is 4 years maximum. Repayment ability (supported by applicant’s pay slip) determines the maximum amount of loan to the member, subject to 3 times total shares. The loans are secured by guarantors’ shares. Other securities like charge over town properties are allowed. This category of loans are approved on a monthly basis, hence all loan applications MUST be received on or before the 10th day of ...Read more

Micro-personal Loans
Only members who are 6 months and above in the society and have contributed Kshs. 30,000/= in the main scheme savings are eligible to join. Minimum loan is Kshs. 10,000/= while maximum is Kshs. 200,000/= subject to the difference between x3 of total shares in the main savings scheme and the outstanding loans. The repayment period is a maximum of 18 months. Security is the main shares, micro-personal shares and guarantors. Disbursements are made through EFT twice a month, i.e., every 15th and 30th/31st day of the month. All applications MUST be received on or before the 10th day o...Read more

School Fees Loans
Only members to the Education scheme qualify for the loan. Members qualify for loans after 6 months of continuous monthly contributions after the date of enrollment. A maximum of times two (x2) of shares saved is approved, as loan repayable within a max of 24 months Security is either guarantors shares, collateral or both. Deadlines for applications is on 10th and 20th and disbursements through EFT are on 15th and 30th/31st respectively. Tariffs <click here> ...Read more