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1. Growth Oriented Enterprise Loan-loans for boosting  existing businesses.

Features

• Ranges from kshs 300,000 and above.
• Loan is repayable within 36 months.

  Requirements

• One must be a member.
• One must have shares.
• Gets loan up to 3 times value of the shares (deposits).

2. Development Loan-for development and investment.

Features

• Loan is repayable within 36 months.

Requirements

• One must be a member.
• One must have shares.
• Gets loan up to 3-4 times value of the shares (deposits).
• Guarantors and /or tangible security e.g. charged title deeds, logbook, insurance surrender value.

3. Boda Boda Loan- a product tailored to enable our youth and any other willing person to own a motor bike.

Features

• Loan is repayable within 13 months.
• Attractive interest rate.
• Gets an instant motor bike.

Requirements

• One must be a member.
• One must have shares.
• Gets loan up to 5 times value of the shares (deposits).

4. Jitegemee Loan –loan secured using movable household or chattels mortgage.

Features

• Loan ranging from kshs 3,000 to kshs 500,000.
• Loan is repayable within 36 months.

Requirements

• One must be a member.
• One must have shares.
• Gets loan up to 3-4 times value of the shares (deposits).

Security

Movable household item or charters mortgage.

5. Majani Loan–Loan for tea farmers.

Features

• Loan is repayable within 36 months.

Requirements

• One must be a member.
• One must have shares.
• Pay out must be remitted through the Sacco for at least 3 months.
• One can get up to 3 times the value of the shares based on 1/3 monthly repayment.
• On your pay out.
• Produce latest pay slips.

6.  Education Loan - loan for school fees payments.

Features

• Loan is repayable within 12 months.

Requirements

• One must be a member.
• One must have shares.
• One gets loan up to 3 times the value of the shares (deposits).
• Cheque is issued after the loan is disbursed.

7. Maziwa Plus Loan.

  Features

• Available to all dairy farmers whose milk payout is at Times U Sacco.
• Loan amount depend on the ability to pay.
• Repayment period:  A maximum of 12 months.

Requirements

• One must be a member.
• One must have shares.
• One gets loan up to 3 times the value of the shares (deposits).

8. Kilimo Bora Loan.

Features

• Seasonal farming e.g. Horticulture.
• Repayment mode: Quarterly basis – half yearly.

Requirements

• One must be a member.
• One must have shares.
• One gets loan up to 3 times the value of the shares (deposits).

9. Emergency Loan- Helps counter any misfortunes which are emergency in nature as a member.

Features

• Loan is repayable within 12 months.
• Available to members with emergency issues.
• Its  usually an instant loan.
• Attractive interest rate.

Requirements

• One must be a member.
• One must have shares.
• Gets loan up to 3 times value of the shares (deposits).

10. Tender Loan -this is a LPO financing loan.

Features

• Loan is guided by LPO provided.
• Repayment period is considered by LPO and usually 1-3 months.

Requirements

• One must be a member.
• One must have shares.
• One gets loan up to 3 times the value of the shares (deposits).

11. Inuka Na Mshahara Loan

  Features

• Affordable and attractive interest rates.
• Maximum repayment period is 24 months.

Requirements

• One must be a member.
• One must have shares.
• One gets loan up to 3 times the value of the shares (deposits).
• Salary channeled at TUS Ltd.

12. Tank Loan.

  Features

• Instant loan.
• For water harvesting.
• Repayment period 24 months.

Requirements

• One must be a member.
• One must have shares.
• One gets loan up to 3 times the value of the shares (deposits).

13. Afya Njema Loan.

  Features

• Covers 7 people.
• Outpatient Ksh 50,000.
• Inpatient  Ksh 250,000.
• Burial arrangements Ksh 50,000.

Requirements

• One must be a member.
• One must have shares.
• One gets loan up to 3 times the value of the shares (deposits).

14. NHIF Loan.

  Features

• Affordable loan.
• To settle patient bills.

Requirements

• One must be a member.
• One must have shares.
• One gets loan up to 3 times the value of the shares (deposits).

BOSA Products

Because microfinance is so manageable in terms of the size of the loan, people have made it the cornerstone to lifting women out of poverty.

Gayle Tzemach Lemmon

The only time I've ever taken out a loan is for the building work I had done at our house and I did that by extending the mortgage.

Andrea McLean

The man who won't loan money isn't going to have many friends - or need them.

Wilt Chamberlain

Let your children be as so many flowers, borrowed from God. If the flowers die or wither, thank God for a summer loan of them.

Samuel Rutherford