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Discover exciting
Loan offers at
Jamii Yetu Sacco
At Jamii Yetu Sacco we provide self tailored, wide range of Loans products, that are geared towards meeting your financial needs,on a flexible repayments plans and more friendly interest rates.
1
Give us the brief of your project(s)
2
Share with us relevant details of your financial muscle.
3
Get money wired to your account to breath new life into your projects.
Select Loan Types
Overdrafts
Targets members with good credit history.
Features:
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Should be a member for at least 2 months
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Repayment period of 1-3 months
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Flexible interest rates
Advances
This loan Targets salaried/business members
Features:
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Affordable interest rates
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Up to 5x net pay/deposits of the last three months
Crop Advance
This loan is geared towards helping the tea/crop farmers whose payments are channeled through the sacco
Features:
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Affordable interest rates
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Loan recovered from tea/crop proceeds.
Milk Advance
The loan targets all Dairy milk farmers.
Features:
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Milk payments must be channeled through the member's Account at Jamii Yetu Sacco. The Loan recovered from the milk payments
Okoa Biashara
This product targets small and micro enterprises to enable them grow their businesses
Features:
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The member must have been depositing money on daily basis via paybill or field teller or over the counter
Christmas Advance
It is issued to members who have savings in their respective Christmas savings
Features:
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Affordable interest rates
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Pegged on the amount of savings already deposited in the Account.
Dividends Advance
Issued to shareholders prior to approval of dividend by the AGM
Features:
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Only issued after the board is satisfied that the sacco has made profit and shall most certainly pay dividednds for the respective year
Inua Biashara Loan
This is a short term loan tailored to assist members mostly in business sector to restock and boost their businesses especially during peak seasons even as they service other loans in the sacco.
Features:
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He/She must be an active member
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Affordable interest rates
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Payable within six months
LPO financing
This product is aimed at financing members with tenders from various public and private institutions with repayment period of 6 months
Features:
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Affordable interest rates
Masomo Loan
This loan is issued to students to financing educational endeavours payable within a period of one year.
Features:
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Proof of being a student
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Affordable interest rates
Masomo Plus Loan
This loan is issued to students to financing educational endeavours payable within a period of 4 years.
Features:
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Proof of being a student
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Affordable interest rates
Executive Loan
This is a personal loan targeting employees, including executives, to cover assets etc. These loans development loans have a maximum repayment period of 60 months and disbursed within 72 hours..
Features:
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maximum amount based on ability to pay
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Affordable interest rates
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Up to 10x of fixed Deposits
Development Loan
Development loan is intended to assist members engaging in development projects and grow their businesses. It has a maximum repayment period of 48 months.
Features:
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Affordable interest rates
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Up to 4x of fixed Deposits
Asset Financing
This loan helps members acquire assets such as vehicles, land etc. We finance up to 80% of the total cost of the asset with maximum repayment period of 60 months.
Features:
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Affordable interest rates
Wezesha loan
this is unsecured TSC checkoff loan for all teachers. Its given based on ability to pay at an interest of 13% p.a on reducing balance.
Features:
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Affordable interest rates
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Up to 96 months repayment period Services
Miliki Loan
The loan is designed for members who wish to develop their commercial properties. We finance up to 92% of the amount borrowed to a maximum of 5 million with repayment period of 60 months
Features:
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Affordable interest rates
Development via savings
This loan issued to members who have already patronized the development loan but have the ability to pay.
Features:
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Affordable interest rates
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Up to 4x of fixed Deposits
Housing Loan
The loan is designed for members who wish to develop Housing Projects. We finance up to 90% with repayment period of 96 months.
Features:
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Affordable interest rates
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Up to 10x of fixed Deposits
Mkombozi Loan
This loan targets members with good credit history. The loan has a repayment period of up to 36 months
Features:
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Affordable interest rates
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Up to 10x of fixed Deposits
Pepea Shares
Own a part of Jamii Yetu Sacco. Each share a member purchases represents part ownership of Jamii Yetu Sacco.
Features:
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Earn annual dividends ~ up to 20%
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Access free financial advice
Tamba Shares
These are ordinary shares available to members to invest and earn attractive dividends.
Features:
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Earn annual dividends ~ up to 17%
FOSA Shares
These are ordinary shares available to members to invest and earn attractive dividends
Features:
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Earn annual dividends ~ up to 17%