Is an instant loan facility, recovered within 12 months with an interest rate of 1.18 % P.M on reducing balance.  Member must process Salary through FOSA.

Applicant must be M-Ushuru registered. It allows borrowing via M-Ushuru USSD and App. The loan is capped to a maximum of Kshs. 200,000 and is a self-guranteed loan.