Send Us a Message
kerichohq@imarishasacco.co.ke

Give Us a Call
+254 0709578000

Opening Hours
Mon-Fri:7.00-5pm
Saturday:9.00-1pm

Download Our membership application form

Micro credit loan product features

1. Chap chap loan

  • It is a savings based product
  • Multiplier of 5 times deposits
  • Maximum period is 12 months
  • Interest rate is 1.17% pm flat rate

Available to
Boda boda operators and boda boda owners

2. Chama loan

  • Savings based product
  • Has a loan multiplier of 5 times deposits
  • Available to those who have graduated from pamoja
  • Maximum period 12 months
  • Attract interest rate at 1.17% pm flat rate

Available to

1.Registered groups of either ;self-help groups ,women groups and youth groups
2. young saccos and multipurpose
3. pamoja loan

      • Savings based products
      • Loan multiplier of 5 times the deposits
      • Interest rate of 1.17%PM flat rate
      • Period ranges between 12-48 months
      • Level one has a maximum period of 12 months
      • Saving culture of kshs 500 per member for 8 (eight) weeks before taking up the 1st loan.

Given in loan levels of ;

1st level = kshs 20,0000 per member
2nd level = kshs 40,000 per member
3rd level = kshs 60,000 per member
4th level - graduated to either binafsi or chama loan

Available to

  • Registered to groups under the following categories ; self help groups, women groups ,youth groups .
  • Require membership of 5-15 members.

4 pamoja plus loan

  • Savings based product
  • Multiplier 3 times deposits
  • Interest rate of 1.17% pm flat rate
  • Issued as an additional loan (TOP UP LOAN)
  • Though initial ceiling shall not be exceeded

5. Binafsi loan

  • Savings based product
  • Multiplier of 4 times the deposits
  • Period ranges between 12-48 months
  • Interest 1.17%PM flat rate
  • Requires 6 (six) months business statement .
  • Loan securities are not limited to tittles and log book
S/No. Loan product  DepositsInterest rate  Period
 1  CHAP CHAP LOAN  5 TIMES  1.17% PM FLAT RATE  MAX 12 MONTHS
 2  CHAMA LOAN  5 TIMES  1.17% PM FLAT RATE  MAX 12 MONTHS
 3  PAMOJA LOAN  5 TIMES  1.17% PM FLAT RATE  12-48 MONTHS
 4  PAMOJA PLUS  3 TIMES  1.17% PM FLAT RATE  3 MONTHS
 5  BINAFSI LOAN  4 TIMES  1.17% PM FLAT RATE  12-48 MONTHS

Recent News

About Us

Imarisha Sacco Society Ltd is one of Kenya’s leading savings and credit cooperatives offering financial services to its members. The Sacco was first registered in 1978 as a teachers’ Sacco but has since opened its doors to all professionals and entrepreneurs from all walks of life.

Get In Touch

 

2020 Imarisha Sacco Society Ltd