Our finance approach
Fair terms, built around real activity
Every product is tied to an asset, a partnership or a genuine need. Costs are explained before you sign, and a payment does not grow simply because time passes.
Kila huduma inahusiana na mali halisi, ubia au mahitaji ya kweli. Gharama huelezwa kabla ya kusaini, na malipo hayaongezeki kwa sababu tu muda umepita.
Our principles
Fair finance, linked to real work
The SACCO earns through buying and selling assets, leasing equipment it owns, or sharing actual profit and loss with members. It does not add a charge simply for time.
- Every product is linked to a real asset, partnership or genuine need.
- The price, margin or profit-sharing ratio is agreed before you sign — and a sale price never increases.
- Profit and risk are shared fairly; investment profit is never promised in advance.
- Members' money is used only in activities approved by the SACCO.
- Hardship is met with time and support, not growing charges.
- Income, costs and reserves are recorded in the SACCO's accounts and reviewed through its normal audit process.
How our products work
Five clear arrangements
- Asset purchase financeWe buy the asset, then sell it to you at a disclosed price.Learn more
- Livestock partnershipWe co-own livestock or a business with you and share the results.Learn more
- Profit-sharing savingsYou invest your savings; the SACCO manages them and shares actual profit and risk.Learn more
- Equipment leasingWe own the equipment and lease it to you, with the option to own.Learn more
- Emergency supportEmergency support, repaid at exactly the amount you received.Learn more
Transparency
You see every number before you sign
Each financing offer comes with a one-page Key Facts Statement in plain English and Kiswahili.
- What the asset cost the SACCO
- The SACCO's profit, in Kenya shillings
- Any fees, shown separately
- The total you will pay, and when
- What happens if you pay late
Late payment never increases your price.
If you are struggling, contact us early so we can discuss a payment plan. Continued non-payment is handled under the agreement and the SACCO's recovery policy.
Proposed asset finance margin: 15% of asset cost
Oversight
Product and financial oversight
Step 1: Product approval
The Board reviews each product, contract and fee before launch, with legal and accounting advice where needed.Step 2: Day-to-day checks
Staff confirm each contract follows the approved steps — for example, that we own an asset before selling it.Step 3: Annual review
The SACCO's audited accounts and annual report are shared with members at the AGM.
Questions or concerns?
Contact the SACCO to ask about a product, contract or charge. We explain the review and complaint process clearly.
Raise a concern