Your goal & timing
Think about your goal, when you need the money and what you can set aside.
OUR SERVICES
Finance that fits
your next chapter.
Explore your options, prepare your questions and confirm the details with the SACCO.
On this page
Savings
Small steps today. A more prepared tomorrow.
Loans
Understand the cost, requirements and repayments.
Groups & savings circles
A shared goal. Everyone’s contribution.
Business & farming
Plan your working capital and cash flow.
The guides below help you prepare. Available accounts, fees, interest rates, security and eligibility must be confirmed with the SACCO.
BECOMING A MEMBER
Visit the SACCO prepared.
Four steps to prepare your first conversation with KUNGAHARA.
Choose your purpose
Saving, education, working capital or a group: write down your goal and when you want to reach it.
Confirm the requirements
Ask about membership eligibility, documents, shares and contributions. Request the checklist that applies to your situation.
Understand what you will pay
Request written fees, minimum balances, withdrawal terms and agreements. Ask about anything unclear before signing.
Arrange your visit
Give your sector, confirm the address, opening hours and the service you need. Ask about any assistance you may need during the visit.
Savings & accounts
Start with a goal you can follow.
Requirements & costs
Ask about documents, membership contributions, minimum balances and deposit or withdrawal charges.
Access & interest
Confirm when you can access savings and how any interest is calculated.
Loans
A clear plan starts with the numbers.
Purpose
Prepare your project budget and identify the income that will cover repayments.
The full cost
Request the rate, calculation method, all charges and repayment schedule in writing.
SACCO review
A request prepared here is not loan approval. The SACCO carries out its own assessment and decision.
Groups & savings circles
Agree on the goal and the responsibilities.
Group agreement
Agree on contributions, representatives and authorised signatories.
Clear records
Keep membership, contribution and decision records.
Group service
Ask the SACCO which group accounts are available and what documents are required.
Business & farming
Plan around the rhythm of your income.
Income & expenses
Record expected sales, input costs and when cash will arrive.
Your budget
Separate household and business money and allow for unexpected costs.
Repayment timing
Ask whether available repayment options suit your harvest or sales cycle.
Deposits, withdrawals & other services
Before visiting, confirm the service point, opening hours, documents and charges. You can also ask how to obtain a statement or update your details.
Contact the SACCO firstYOUR NEXT STEP