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

What We Have Done Latest Video

Investment or Micro-credit

Recent Highlights News & Events

Download Mobile Banking Application Form

Access your FOSA Account; Anywhere, Anytime on your Mobile phone 24/7 on:

Dial USSD *879# or *806#for Non –smart phone holders.

Download the Jamii M-Cash App on your Smartphone from playstore for Android phone holders.


Account balance Inquiry for all your accounts                              

Mini statement Inquiry

Mobile Money/ Cash withdrawal

PIN Change

Funds Transfer

Mobile Loan Application

Cash Deposit to all accounts

Utility Payments

And many more


The loan is applied and granted through mobile phone and the terms and conditions are as follows:

 Member must subscribe/register to the Sacco M-banking services (Fill Jamii M-Cash Form).

 A member must attain the minimum share capital of Ksh. 10,000.

 Considers a member up to 80% of the member deposits but up to a maximum of Ksh. 50,00

 A member can qualify to borrow up to Ksh. 5,000 without graduation subject to attaining the above conditions.

 A member eligible to borrow more than Ksh. 5,000 will be subjected to a graduation factor of 1.5 conducted once in 30 days.

 The interest rate per month will be 5.3% for I month, 6.3% for 2 months, 7.3% for 3 months, 8.3% for 4 Months and 9.3% for 5 months charged on the principal loan one off. The interest will be accrued and not recovered upfront.

Repayment can either be done using either USSD (Dial *879#/*806#), Jamii M-cash App or Paybill number532200. Dial *879# or *806#, then choose in the menu the product type you want to access loan, or deposit and if using Paybill 532200 then keying the account number-ID NUMBER OR MEMBERSHIP NUMBER THEN THE PRODUCT CODE.

Some of the charges that apply for the above services are:

 Account Balance Inquiry – Kshs. 10.

 Mini Statement – Kshs. 10.

 Cash withdrawal – Kshs. 50 upto a maximum of Kshs. 70,000 per transaction.


 M/s Safaricom Limited Charges an average of Kshs. 5 in Airtime for every USSD Session.



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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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