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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  • 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.
  • Minimum monthly contribution for the Micro-Credit group is Ksh. 800 per member & Ksh. 5000 for the investment group.
  • Deposit & loan can be paid daily, weekly, fortnightly or monthly.
  • 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.


  • The Group account should be operational for 3 months with Jamii Sacco Ltd or with other banking/financial institutions.
  • Abillity to access loans in multiples of 3 or 5 times on ones deposit.
  • The Loan agreement form must be fully signed by the Loanee & guarantors.
  • The Chattel transfer Act form must be fully signed by the Loanee.
  • The Asset schedule forms must be filled and fully signed by the Loanee & guarantors.
  • A Lawyer must endorse all the Loan documents.
  • Attractive Interest rates per annum on reducing balance.
  • Legal charge over land or property.
  • The Asset purchased is used as security.
  • Comprehensive insurance cover to done on motor vehicle investment groups.
  • Appraisal fee is applicable for all Micro Credit and Investment loans.
  • All interest rate on loans are on reducing balance
  • Repayments will be in uniform weekly, fortnightly or monthly installments enabling the group to plan however, groups are highly encouraged to pay more.
  • Loans to be repaid within maximum period of 12, 24, 48 & 120 months depending on the loan granted.
  • Must Provide Bank Statement/Business records of your existing account/Business

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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 00200 Kenya
Tel: +254 (020) 552477/48 / +254 (020) 6552523
Mobile: +254715961545/ +254712852762

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