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Advance Loan
Account can be opened by an individual, two or more individuals as a joint account or by corporates, welfare groups, co-operative societies, school, churches and all other institutions.
- Account is used to channel salaries, crop payments, pension dividends, Business deposits, Electronic Fund Transfers (EFT) e.t.c
- Affordable account opening balance
- Low minimum operating balance
- No transaction charges on deposits
- In- house Cheque book
- Withdrawals can be made as often as needed without notice
- Free quarterly account statements

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Short Term Loan
Available to salaried employees, pensioners, dairy and tea farmers
- Loans are up to Kshs 300,000/=
- Maximum repayment period of up to 24 months
- Attractive Interest rate is at a reducing balance
- 2/3 rule must apply
- No security

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Inuka Loan
Available to salaried employees, pensioners, dairy , tea farmers and SME
- Loans are up to Kshs 500,000/=
- Maximum repayment period of up to 36 months
- Attractive Interest rate is at a reducing balance
- 2/3 rule must apply
- No security

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Business Loan
Available to SMEs
- Must have operated the account for at least 6 months
- Loan up to Kshs 300,000/=
- Maximum repayment period of up to 24 months
- No security
- No grace period
- Attractive Interest rate is on a reducing balance

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Crop Advance Loan
Available to salaried dairy and tea farmers
- Maximum repayment period of up to 3 months
- Advance up to 2/3 of he expected monthly net payment
- Loan are up to Kshs 300,000/=

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Tea Bonus Advance
Available to tea farmers
- Maximum repayment period of up to 24 months(2 years)
- 80% of the previous tea bonus payment-2 years
- 50% of the previous tea bonus payment-1year

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Jijenge Loan
Available to all Jijenge account holders
- Amounts are 4 times the balance of the Jijenge savings
- Maximum repayment period is up to 36months
- Security: guarantors, title deed and logbook
- No grace period

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Development Loan
Available to all account holders
- Loans are up to Kshs 50,000,000/=
- Maximum repayment period of up to 48 months
- Interest rate is at a reducing balance
- 2/3 rule must apply
- Security: Title deed, logbook and fixed deposit

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Asset Finance
Available to salaried employees, pensioners, dairy and tea farmers
- Loan is from 80% of the total purchase price. Customer to meet the balance of 20%
- Maximum repayment period of up to 36 months
- Interest rate is at a reducing balance
- 2/3 rule must apply
- Security: Title deed, logbook and fixed deposit
- Must be insured through Mapa insurance agency
- In case of a motor vehicle, joint registration must be done and log book will be held by the Sacco until loan id fully paid
- The motor vehicle should be less than 8 years of age

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Insurance Premium Finance
Available to all our customers
- Maximum period is up to 10 months

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LPO Financing
Available to all our customers
- Maximum 2/3 of the LPO with a maximum of Kshs 500 000/=

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Overdrafts
Available to all our customers
- Accounts with deposit turnover more than Kshs 200,000 per month