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This is an instant loan facility available to M-Sacco registered members through mobile phone platform.

LOAN POLICY GUIDELINES

  • Applicant must have been an active member for at least 3 months
  • Applicant must be M-Sacco registered
  • Repayment is through M-Sacco
  • Repayment period is 1 month
  • Applicant must not be under paying loans or share deposits
  • Applicant must have accumulated a share capital of ksh. 30,000.
  • Maximum Loan amount kshs 20,000.00 .
  • The loan shall attract a one-off processing fee at 10% of the amount approved.
  • Qualification is based on 3.5 share deposits less outstanding loan balances
  • The loan is unsecured.
  • M-Poa loan defaulters will be blacklisted from accesing M-Poa Loan for a period of 1 year, any other Ushuru Sacco credit facility and listed with CRB until the loan is cleared.
  • The transaction will attract safaricom charges of max. Kshs 22 and sms charge of Kshs 10 total of Kshs 32 from amount applied.

M-Poa Loan Features

  • The maximum a Member can borrow is Kshs. 20,000/=
  • The loan is payable within 30 days
  • Applicants MUST not be under paying loans or share deposits
  • The loan shall attract a one-off processing fee at 10% of the amount approved.

M-Poa Loan Application

  • Registered members dial *346#
  • Enter M-Sacco Pin
  • Select Option three (3) M-poa Loan
  • Enter Amount - maximum amount Kshs 20,000.00
  • Member receives a message that M-poa Loan has been received and is under process.
  • A member then receives a message on sacco loan payment via M-pesa

M-Poa Loan repayment

  • Member loads money to M-pesa
  • Member deposits the funds to Ushuru through paybill Number 892800 account number being your National ID number followed by a shorcode M. Example 12345678M.  Note: M is a shortcode for MPOA Loan.
  • Enter amount. (Amount is loan amount taken by the member plus 10/)
  • Enter your MPESA PIN.
  • Confirmation of the payment will be send via SMS.

  • M-PESA CHARGES FOR DEPOSIT

             Lower Limit                       Upper Limit                          Charges                      
     0.00  900.00  10.00
     1,000.00  2,499.00  10.00
     2,500.00  4,999.00  10.00
     5,000.00 9,999.00 10.00
    10,000.00 19,999.00 10.00
    20,000.00 34,999.00 10.00
    35,000.00 49,999.00 10.00
    50,000.00 70,000.00 10.00

  • M-PESA CHARGES FOR WITHDRAWAL

             Lower Limit                       Upper Limit                          Charges                      
     0.00  1,000.00   73.00
     1,001.00  5,000.00   83.00
     5,001.00  10,000.00   93.00
    10,001.00 20,000.00 103.00
    20,001.00 30,000.00 113.00
    30,001.00 40,000.00 123.00
    40,001.00 50,000.00 133.00
    50,001.00 60,000.00 143.00
    60,001.00 70,000.00 153.00

UPCOMING EVENTS

Core Values

Team Work

Integrity

Professionalism

Quality

Efficiency

CONTACT US

Address : Nairobi Office(Headquarter), Forodha House, 2nd Floor, Wing B, 52072-00200 Nairobi.

Landline : 020-2719660