In its endeavor to realize its vision and mission, Jamii SACCO upholds the following core values: Integrity, Professionalism, Customer Focus, Teamwork, Innovation and ICT.

New Member Joining Requirements

Apply for a Loan.
School Fees Loan
Development Loan
M-Cash Loan

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Investment or Micro-credit

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This product is geared towards supporting small scale entrepreneurs to improve their income generating activities.

Basic Requirement

  • Must be a member of Jamii Sacco with minimum savings of Kshs. 3,400 for a period of 8 weeks.
  • Registration fees Kshs.300 per member.
  • Minimum voluntary savings Kshs. 200 per week or 800 per month.
  • Must be willing to abide by Jamii Sacco lending policies, rules and regulations.
  • Must provide adequate security for the loan/fully guaranteed by group members.
  • Must be a member of a registered self help group operating an account with Jamii Sacco.
  • Must provide current 6 months business record book.
  • Granted three(3) times a member's Micro Credit savings.
  • Granted up to a maximum of Kshs. 3,000,000
  • Interest rate of 14.5% per annum or 1.21% per month on reducing balance.
  • 2.5 % appraisal fee is applicable.
  • Maximum repayment period is 30 months.
  • Copies of Business documents such as certificate of registration ,KRA PIN and business assessment report/audited report must be provided.
  • To be cleared at 8% after 60% payment of the previous loan.
  • The loan can be cleared after 12 months/ 1 year consistent repayment without default.



  • Loans between Kshs. 10,000 (min) and Kshs. 2,000,000(max) will be made available to individual members in the Micro-credit Program to assist them start or expand own micro-enterprises.
  • Loans are granted 3 times of a member micro/Biashara savings.

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Jamii Sacco

Head Office: Jamii Sacco Court, Mukenia Road, South
‘B’ Next to Mater Hospital
Address: P.O. Box 57929 Nairobi 00100 Kenya
Tel: +254 (020) 552477/48 / +254 (020) 6552523
Mobile: +254715961545/ +254712852762

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