Muramati Sacco Society Ltd.

Project Loan

The loan is advanced to a well organized project proposal. It covers community based development projects ranging from electricity projects, water projects, home solars. Interest rate charged there-on is very low. Individual members are linked directly to the project benefits.  

Youth Fund - Dosika Account

Muramati supports the youth through this specially designed product for the Kenyan youth. It’s a solution for starters. Tapping the skills and creativity of the youth who have neither the requisite capital nor collateral security; to enable them entrepreneur on their own. Muramati is here for you. The benefiting youth can either be an individual or in a group. The interest rate for this product is very competitive. The loan is processed immediately on application. The package has a relatively easy security arrangement. 

Women Fund Accounts

The women of this country have a wide range of products to access under Muramati micro-finance model. The product takes the form of affirmative action to our women who are economically very active, yet their limitation is security.

1. Malisho Account - for general groups, including men.
2. Maono Account - specifically for women groups.
3. Mwangaza Account - for the individual woman who has started a business.
4. Bingwa Account - for women who have excelled both in business and mwangaza products.

All these products, in spite of being unique in their respective target group, share common characteristics of a very low interest rate. 

Micro-leasing Loan Account

The Sacco supports and finances acquisition of various assets for use in business ventures e.g. motor-bikes, chuff cutters, power saws, salon equipments, water pumps e.t.c with competitive interest rates, easy security arrangements, the asset itself, interest rebates and easy/guided purchase to mitigate against counterfeits. 

Business Loan

1. Easy security.
2. Business clinics/training.
3. Affordable interest rates.
4. Easy loan top up facility - through expressing.
5. Interest rebates on prompt repayments.

Mkulima Plus Loan Account

1. Advanced to milk farmers.
2. Secured by milk production.
3. Processed on the spot.
4. Easy loan top up facility through expressing.

Salary Advance Loan Account

1. Processed on the spot on application.
2. Easy security - against the salary itself.
3. Easy loan top-up facility - through expressing.

Mshahara Loan Account

1. One to two year loan facility.
2. Competitive interest rates.
3. Easy loan top-up facility - expressing.
4. Easy security arrangements.

Mkopo wa Hisa
This facility is specifically tailored to enable members (business or otherwise) invest in shares and stocks via the national stock market. Shares acquired acts as security against the loan application, and the members income acts as the second security. The interest charged is very competitive.

Other wide range of products offered that might interest you include;

1. Safe custody.
2. Business quick fix.
3. Safaricom M-pesa agency.
4. ATM network through Sacco Link of Co-operative Bank of Kenya.