Back Office Services Activity (BOSA) enables a member to make deposits and access credit services. The Deposit Accounts in BOSA include the following:

DEPOSITS.

These are non-withdrawable savings but are refundable on exit. The minimum contribution is Kshs 2,000 per month or 10% of basic salary whichever is higher. All members who have not attained the above minimum monthly contribution are encouraged to do so.

EDUCATION LOAN SCHEME (ELS).

This is special savings for members who may wish to access educational loans. The same is considered in multiples of 3 times subject to ability to pay.

MICRO-SAVINGS.

This is a savings account for Small and Micro–Enterprises. Members can access credit 3 times the savings depending on the product. Micro-savings accounts are as follows:
Biashara Savings/Biashara plus Savings: These are savings accounts available to all members who operate businesses. Credit is considered in multiples of 3; subject to ability to pay and acceptable security. Loan approval is based on graduated levels.

MICRO - GROUPS JOINING CONDITIONS:

• Registration Certificate from relevant government agency/department.
• Minimum number of members in a group is five (5) for investment groups and ten (10) for Micro - Credit groups.
• Original and complete copy of the Groups Constitution (Memorandum) and certified by Sub-County Social Development Officer (SCSDO).
• Each official who is a signatory should submit a current photocopy of the original identity card or current passport and one colored passport size photo.
• A letter from the Sub-County Social Development office introducing the authorized group.
• Minutes of the meeting where a resolution was passed to open an account with Jamii SACCO duly certified by Sub-County Social Development Officer. (SCSDO).
• Minutes stating the terms and conditions of borrowing and withdrawing of group funds from the SACCO.
• List of all Group members indicating their full names, identity cards numbers, personal cell phone numbers, email addresses & specimen Signatures. Payment of entrance fee of Ksh 300 per member.
• PIN certificate and Credit Reference Bureau (CRB) report for all group members.

ASSET FINANCING SAVINGS.
This is a special savings account for SACCO members who are interested to acquire assets such as land, housing, and commercial motor vehicles. Credit is considered in multiples of 3.5 and 5.

BENEFITS OF DEPOSITS:

• Ability to access loans in multiples of 3, 4, or 5 times on ones deposits.
• Attractive returns on deposits payable annually.
• Accumulated funds available for on-lending to members.