Jiunge
Membership
Individuals, groups and organisations can join. Apply online or at the office.
Who can join
Why join
Save with a purpose
Your monthly deposits build your stake and earn interest when the general meeting declares it [rate to be declared].
Own a share of the SACCO
Share capital makes you an owner, with dividends when they are declared and a vote at the general meeting.
Borrow on your savings
Development, emergency and school fees loans, guaranteed by fellow members [limits to be confirmed].
Your account on your phone
Balances, statements, loan applications and guarantor requests in the member portal.
Pay with M-Pesa
Deposits, shares and loan repayments straight from your phone.
Groups welcome
Chamas and self-help groups join as one member, with officials who act for the group.
What it takes to be a member
By the by-laws
- Registration feeOnce, when you are admitted
- Ksh 1,000
- One shareThe unit of ownership
- Ksh 100
- Minimum share capital60 shares
- Ksh 6,000
- Share transferTo another member, with the committee's approval
- Ksh 1,000
- AgeIndividual members
- 18 or older
- Monthly savingsSet for each savings product
- See Savings
Pay by M-Pesa or at the office once the membership office confirms your application. How shares work
What to bring
The application form asks for the same list, and says what is still missing.
Individuals
- ID Copy
- Passport Photo
Informal chama
- Group Minutes or Resolution
- Officials' IDs
Registered chama
- Group Registration Certificate
- Constitution or Rules
- Group Minutes or Resolution
- Officials' IDs
Registered self-help group
- Group Registration Certificate
- Constitution or Rules
- Group Minutes or Resolution
- Officials' IDs
Organisations
- Certificate of Incorporation
- KRA PIN Certificate
- Board Resolution
- Representatives' IDs
As a member you agree to
- Save every month as the by-laws require
- Keep your share capital at or above the minimum
- Repay your loans on time and honour the loans you guarantee
- Attend general meetings and vote
- Keep your contact details and nominees up to date
How to join
Apply online in a few minutes, or visit the office.
Fill in the membership form
Online or at the office: your details, contact and address, work, next of kin and how you plan to save.
Confirm your e-mail
We e-mail you a link to set your password. Sign in to finish the form and upload your documents.
We check your documents
The membership office verifies your details and tells you if anything is missing.
Start saving
Once you are approved you get your member number and can save, buy shares and use the member portal.
Apply online
Fill in the membership form on your phone or computer. We e-mail you a link to finish it and upload your documents.
Start the membership formApply at the office
Download the membership form, fill it in and bring it with copies of your documents.
Forms and downloadsQuestions people ask
Who can become a member? Individuals, groups such as chamas, and partner organisations. [Confirm the eligibility rules from the by-laws.]
How much do I need to start? A registration fee and a minimum monthly saving apply. [Amounts to be confirmed by the SACCO.]
How do I pay? With the M-Pesa prompt in the member portal, at the office, or by paybill once the SACCO's number is published. [Paybill number to be confirmed.]
How much can I borrow? What you can borrow depends on your savings and needs guarantors who are members. [Loan limits and rates to be confirmed in the credit policy.]
Can I see my account online? Yes. Every member gets a login to see balances, loans, guarantees and statements, and to send requests to the office.
I have forgotten my password. Use 'Forgot your password?' on the sign-in page. We e-mail you a link to set a new one.
What do I need to join? Your national ID or passport, your KRA PIN, a passport photo and the details of your nominees. Groups also need their registration certificate, minutes and officials' IDs. [Confirm the list from the by-laws.]
Can I join from outside Kenya? Yes. Apply online with your passport or national ID and pay by M-Pesa or bank transfer. [Diaspora rules to be confirmed.]
How long does approval take? The membership office checks your documents and tells you if anything is missing. [Service time to be confirmed.]
What happens to my savings if I leave? Deposits are refunded under the by-laws after the notice period, less anything you owe. Share capital is transferred, not withdrawn. [Notice period to be confirmed.]
Something else? Ask us directly.
Ready to join?
Have your ID ready; the form says what else it needs.