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Tea fields in Nandi with a picker among the bushes

Weka akiba

A Kenyan five-shilling coin showing the coat of arms

Savings

Save every month by M-Pesa, and join a scheme for the things you plan.

Member deposits

Your monthly savings with the SACCO. They build your stake and what you can borrow.

Monthly minimumEvery member, every month
To be confirmed
Taking money outWhile you are a member
Not withdrawable
When you leaveUnder the by-laws, less anything you owe
Refunded
M-Pesa accountNo ending needed
Your member number
What they doYour deposits stand behind your loans
Build what you can borrow
Women talking at a dried-fish stall in a Kisumu market

Deposit rules follow the SACCO's by-laws [to be confirmed].

Savings schemes

The gate of Nambale Boys High School in Busia County
DEMO Holiday SavingsDEMO: save through the year for the December holiday; moves out need approval. Save every month, from Ksh 500. Pay to your member number with #HOL. Taking money out needs the office's approval.
DEMO School Fees SavingsDEMO: put a little aside each week for next term's fees; joins at once, no opening deposit. Save every week. Pay to your member number with #SCH. Taking money out needs the office's approval.

A year of saving

Saving Ksh 1,000 a month puts Ksh 12,000 in your account in a year, before any interest the general meeting declares.

What your savings earn

Declared at the annual general meeting

What the SACCO earns from lending goes back to the members. Each year the annual general meeting declares interest on deposits and a dividend on share capital, from the audited results.

The rates for the year are announced on the News page after the meeting. News and notices

Pay by M-Pesa

Lipa na M-Pesa, then Pay Bill. The SACCO's business number is published when M-Pesa payments open. The account is your member number, with an ending for what you pay.

ZS-00012Your monthly savings
ZS-00012#HOLDEMO Holiday Savings
ZS-00012#SCHDEMO School Fees Savings
ZS-00012#SHRShare capital
ZS-00012#LOANA loan repayment
ZS-00012#REGThe registration fee

ZS-00012 stands for your own member number. Members can also send a payment prompt to their phone from the member portal.

Maize growing on a farm in Siaya County

Start saving

Join, then save by M-Pesa from your phone every month.

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