Re-financing Loans

Given as top up loan. Given to combine other loans where the applicants still in need of extra funding for a project in progress. Based on repayment ability. Interest rate is 1.5% per month on reducing balance. Repayment period is 42 – 60 months. Maximum amount given is 3 times member’s deposits. One must have paid 50% of other / […]

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Empowerment Loans

Based on one’s repayment ability. Given for Housing and land acquisition only Within x3 of members deposits. Repayment period 36 – 72 months. Compound Interest at a rate of 1% per month.

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Investment Loans

Based on repayments ability. Given for Items or Shares on offer acquisition. Repayment period is 6 – 42 months depending on the amount involved. Interest charged is calculated separately on reducing balance method and loaded

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Instant Loans

Based on repayment ability Interest rate is 2% per month on reducing balance Repayment period – 12 months Maximum Kshs. 150,000/=

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School Fees

Based on repayment ability Maximum Kshs. 100,000/= Repayment period – 12 months Interest rate is 1% per month on reducing balance.

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Emergency Loan

These are based on repayment ability. Maximum Kshs. 50,000/= Only on Sickness, Death and Court fines but not criminal. All Loans shall have documentary evidence to support them. Interest rate charged is 1% per month on reducing balance Repayment period – 12 months.

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Development Loan

These are based on repayment ability. Interest rate charged is 1% per month on balance. Repayment period is 42 – 60 months. Amount limit is x3 member’s deposits.

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