School Fees Loan
This product is designed to assist members pay fees in various learning institutions. Features: Loan is repayable in 12
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Features Available to all members registered with MSACCO whose salaries pass through our FOSA. Loan is available on shor
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A Set up by a handful of small income earners and struggling subordinate staff at the Office of the President (OP), way

Structure

Harambee Sacco Society has two major Divisions/Departments: It has both a Back Office Sacco Activities (BOSA) and a Front Office Savings Activities (FOSA)

BOSA Products

We have a wide range of BOSA products .Check on our BOSA products page for various loan products

FOSA Products

The Society has opened a FOSA office at all country branches as a way of deepening its financial service delivery to membership.

Savings

We have various savings accounts that suits Kenya market.Visit any of our branches country wide and start saving today

Development loan

Features: This Loan is granted at a maximum of 3 times the members savings. This Loan is repayable within the requested period, but not exceeding 48mo

Emergency Loan

Features: Loan is granted subject to a maximum ceiling of Ksh. 100,000.00 Loan is repayable within 12 months Loan attracts a 1% interest rate per mont

School/College fee loan and Loan refinancing

Features: Loan is repayable in 12 months Loan limit is depends on the member’s ability to repay Loan attracts 1% interest rate per month on redu

Jisaidie Loan

Features: The Loan is granted subject to 4 times the member’s savings The Loan repayable period is 72 months Processing Fee of 1% (recovered up

Our Service

  • FOSA Services

    FOSA loan payments are immediately disbursed to this account.Account holders are able to access ATM services worldwide, via any VISA branded outlet, as well as our m-banking facilities
  • BOSA Services

    BOSA loan payments are immediately disbursed to this account.Account holders are able to access ATM services worldwide, via any VISA branded outlet, as well as our m-banking facilities
  • Other Services

Testimonial

  • Since i started saving with you 15 years ago i have never looked back or regretted  joining
    James Kinuthia, Dentist
  • Your services have improved tremendously!!
    Mr.Sam Kiplangat, Manager
  • Great FOSA loan products competitive in the Kenyan market.
    Sandy Omondi, programmer
  • Your esteemed Sacco has really built me over the years.
    Janet Mwadime, manager

Download Our Product Catalogue