Products

BOSA SAVINGS

Kikwetu Wealth Vault (Member Deposits)

Your savings foundation that grows and unlocks borrowing power.

Key Benefits:

Earn interest annually on deposits
Qualify to borrow up to 3x your deposits
Use deposits to guarantee loans for other members
Strengthens your financial track record for bigger opportunities

SHORT-TERM LOANS (12 Months)

Masomo Flex Loan (Education Loan)

School fees support made simple, fast, and stress-free.
Key Benefits:

Minimal documentation (no fee structures needed)
Fast approval and disbursement—often within 24 hours
Top-up option after 6 months of consistent repayment
Digital convenience—apply online

Poa Emergency Loan

Fast support when life happens unexpectedly.
Key Benefits:

Quick access to emergency funds
No attachments required (e.g., no medical bills)
Top-up option after 6 months repayment consistency
Apply online, fast processing

LONG-TERM LOANS (24–48 Months)

Jenga Smart Loan (Development Loan)

A structured loan for property, investment, Vehicles or major life upgrades.
Key Benefits:

Affordable repayment period up to 36 months
Competitive interest rate on reducing balance
Flexible security options (deposits, guarantors, collateral)

Finish Strong Loan (Refinance Loan)

Extra funding support to complete ongoing projects with ease.
Key Benefits:

Helps members finish projects without delays
Structured financing to support bigger goals

Kikwetu Mega Top-Up (Comprehensive Top-Up Loan)

Debt consolidation and longer-term financing for bigger progress.
Key Benefits:

Consolidate loans from other institutions
Reduce pressure and create room for more borrowing
Longer repayment term up to 48 months

BUSINESSLOANS/ CORPORATE PACKAGE

Kikwetu Biashara Suite

A loan designed to grow SMEs and strengthen biashara operations.

Key Benefits:

Quick processing and disbursement to keep your business moving
Competitive interest on reducing balance for affordable repayment
Includes free financial education support to strengthen your business decision-making
Flexible security options based on deposits and ability to repay
Improve cash flow for stock, expansion, operations, or new opportunities
Build business credibility by maintaining a structured borrowing record
Grow with confidence through predictable repayment plans

Bonus Advantage for Employers / Business Owners:

As your business grows, you can also uplift your team this package can support your employees to save consistently, access financial guidance, and work towards personal goals like land, education, and emergency support.
A financially stable team is more productive, loyal, and motivated helping you build a stronger business from the inside out

Payday Boost (Salary Advance)

A corporate/ Business solution for employees under check-off system.
Key Benefits:

No guarantors required latest payslip only
Money sent directly to phone (M-Pesa)
Employer-supported deductions for easy repayment

CHILDREN’S SAVINGS

Kikwetu NextGen

Helping parents invest in their children’s future early.
Key Benefits:

Competitive returns on savings (up to 10% p.a weighted average)
Birthday SMS for account holders
Free home bank for accounts above KSh 15,000
Builds financial discipline from a young age
Pay school fees

CAMPUS PACKAGE
Start Smart Savings (Campus Starter Account)

A student-friendly account that builds saving discipline early.
Key Benefits:

Low opening fee and low monthly savings requirement
Flexible deposits via M-Pesa or bank
No penalties for irregular deposits
Encourages long-term saving habits beyond campus

Campus Boost Loan (Campus Loan)

Support for students during attachment, career growth, and urgent needs.
Key Benefits:

Fast approval within 24–48 hours
Low interest (10% p.a reducing balance)
Grace period before repayment
Sacco can pay vendors directly for learning tools (laptops/tablets)

Campus Package Requirements

To ensure the “Start Smart” and “Campus Boost” products are accessible yet secure, students will need the following to register:

1. Personal Identification

National ID Card: A clear copy (front and back). For students under 18, a Birth Certificate and a Parent/Guardian as a co-signatory may be required.
KRA PIN Certificate: Required for tax compliance on interest earned.
Passport-sized Photo: One recent colored photo for the member profile.

2. Student Verification

Valid Student ID: A copy of the current ID from a recognized University or College.
Admission Letter: (Optional) To verify the expected graduation date, which helps in structuring loan repayment periods.

3. Financial Commitments

Registration Fee: A student-discounted non-refundable fee 1,000 KES
Minimum Monthly Deposit: A manageable amount to build discipline 1000 KES

4. Digital Setup

Registered M-Pesa Number: For flexible deposits and receiving loan disbursements.
Active Email Address: For receiving monthly e-statements.

Business Membership Requirements

1. Sole Proprietorships (Individual Businesses)

This is for the “hustler” or small business owner who is the sole owner.

Certificate of Registration: Copy of the “Business Name” registration.
National ID & KRA PIN: Of the proprietor.
Passport Photo: One for the proprietor.
Business Permit: A valid copy of the County Government Single Business Permit.
Financials: Minimum opening deposit and registration fee.

2. Limited Liability Companies (LLCs)

This is for more structured entities like your real estate company.

Certificate of Incorporation: To prove the company is a legal entity.
CR12 Form: An official confirmation from the Registrar of Companies showing who the directors and shareholders are (must be recent, usually within 6 months).
Memorandum & Articles of Association: The “constitution” of the company.
KRA PIN of the Company: Distinct from the personal PINs of the directors.
Board Resolution: A formal document signed by the directors resolving to join Kikwetu Sacco and nominating the account signatories.
IDs & Passport Photos: For all nominated signatories.

3. Partnerships

Partnership Deed: The legal agreement showing the roles and shares of each partner.
Certificate of Registration: For the partnership name.
IDs & PINs: For all partners.
Partners’ Resolution: Signed by all partners to authorize the Sacco membership.

Financial requirements

Entrance Fee: A one-time non-refundable fee Kshs. 10,000
Minimum Share Capital: Kshs. 50,000
Monthly Savings/Deposits: Kshs. 20,000 minimum

Kikwetu Mega Top-Up: Requirements for Application

To qualify for this comprehensive loan, a member (Individual or Business) must provide the following:

1. Membership & Savings Status

Active Membership: You must have been a member of Kikwetu Sacco for at least 6 months with consecutive monthly savings
Multiplier Rule: The loan amount is usually limited to 3 times your total deposits/savings
Share Capital: Must be fully paid up according to the Sacco’s minimum threshold.

2. Debt Documentation (For Consolidation)

Latest Pay Slips: Usually the last 3 months to confirm net take-home pay (the 1/3 rule must be observed).
Certified Bank Statements: The last 6 months to show the flow of funds and existing loan deductions.
Loan Statements from Other Institutions: Official letters or statements from the banks or micro-finances you wish to pay off. These must show the Buy-off/Pay-out amount.

3. Security & Guarantees

Guarantors: The loan applied should be fully covered by the guarantor’s savings and the loanee savings. Their combined deposits must cover the loan amount.
Collateral (For Large Amounts): If the loan is very large (Mega), the Sacco may accept Title Deeds or Logbooks as additional security.
- Note: Assets used as collateral must be professionally valued and charged at the members cost.

4. Legal & Administrative

Duly Filled Loan Application Form: Signed by the applicant and all guarantors.
ID Copy: For the applicant and signatories.
Credit Reference Bureau (CRB) Report: The Sacco will usually run a check to see your repayment history elsewhere.

Kikwetu NextGen

Helping parents invest in their children’s future early.

Kikwetu NextGen is a child savings account by Kikwetu SACCO, a member-owned cooperative committed to empowering families through affordable, reliable, and accessible financial solutions. With a strong focus on long-term financial growth and discipline, Kikwetu SACCO helps members build secure futures—starting with the next generation.

Key Benefits: