Support & Help Center

To become a member of Haki Tume Sacco:

1. Download Membership Forms: Get the Membership Form and Authority Form from our website or office
2. Complete the Forms: Fill in all required details including personal information, next of kin, and bank details
3. Submit Your Application: Send completed forms to us via email (hakitumesacco@knchr.org) or deliver to our office
4. Pay Membership Fee: Pay the one-time membership fee of KSh 500
5. Enrollment: Our team will process your application and enroll you into the system
6. Receive Login Credentials: You'll be provided with a username and password via email or SMS
7. Start Using Services: Log in to the mobile app or web portal to access your account, make contributions, and apply for loans!

Need help? Contact us at 020-3969000 or email hakitumesacco@knchr.org

All loans carry a 12% Annual Percentage Rate (APR).

Our Loan Products:

• Development Loan: 12% APR, up to 4x your contributions, up to 60 months
• Emergency Loan: 12% APR, up to KSh 200,000, 12 months, same-day approval
• School Fees Loan: 12% APR, up to KSh 100,000, 12 months

Monthly Payment Examples (KSh 100,000 loan):

• Development (60 months): KSh 1,944 per month
• Emergency (12 months): KSh 8,885 per month
• School Fees (12 months): KSh 8,885 per month

View Complete Loan Terms

Approval Timeline:

• Emergency Loan: Same day approval (24-hour disbursement)
• School Fees Loan: 3-5 business days
• Development Loan: 5-10 business days

Approval Process:

1. Submit application via app
2. Guarantor approval (automated email)
3. Credit committee review
4. Management committee approval
5. Treasurer finalizes and disburses

Track your application status in the app at any time.

Yes! Early repayment is encouraged and comes with NO penalties.

Benefits of Early Repayment:

• Save money on interest charges
• No prepayment penalty or fee
• Build better credit standing
• Access to larger loans in future

How to Repay Early:

1. Contact SACCO via phone, email, or app
2. Request exact payoff amount
3. Make lump sum payment
4. Receive loan closure confirmation

Example Savings: On a KSh 100,000 loan at 12% for 60 months, paying off at month 12 saves approximately KSh 3,200 in interest!

Contact us immediately if you're unable to make a payment.

Late Payment Policy:

• Grace Period: 5 days from due date (no penalty)
• Late Fee: Applied after grace period
• 15+ days: Warning notice
• 30+ days: Formal notice
• 60+ days: Default declared

We Can Help:

• Payment relief options
• Loan restructuring
• Workout arrangements
• Payment plans

Don't wait! Contact us at 020-3969000 immediately if you're having difficulty.

Dividends are paid annually based on SACCO performance.

Key Information:

• Average Rate: 7% annual dividend
• Payment: After Annual General Meeting (AGM)
• Basis: Your total share contributions
• Consistency: Paid every year since 2005

How It's Calculated:

Dividend = (Your Contributions ÷ Total SACCO Contributions) × Total Dividend Pool

Payment Methods:

• Direct bank transfer
• Mobile money (M-Pesa, Airtel Money)
• Cheque
• Reinvest in your shares

View your dividend history in the app.

Yes! Your money is protected through multiple safeguards.

Security Measures:

• Licensed: Registered cooperative society in Kenya
• Audited: Independent audits annually
• Regulated: Compliant with cooperative society laws
• Encrypted: Bank-grade data security
• Governed: Democratic member oversight

Financial Protection:

• Strict financial controls
• Regular audits by independent auditors
• Transparent financial reporting
• Member welfare fund
• Insurance coverage

20+ years of secure, reliable service since 2005

Yes! You can access multiple loan products simultaneously.

Available Combinations:

• Development + Emergency
• School Fees + Development
• Development + Emergency + School Fees

Requirements:

• Adequate share contributions
• Guarantor for each loan
• Clear ability to service combined payments
• Good standing with SACCO
• Credit committee approval

Important:

Your combined monthly payments should not exceed 30-40% of your monthly income. We'll help you calculate affordability.

View Multiple Loan Terms