Loan Facilities
Competitive Interest Rates
All our loan products are designed for affordability, featuring a flat interest rate of 1% p.a.. This low rate ensures that our members can reinvest more of their earnings back into their transport businesses.
Normal (Development) Loans
These are long-term credit facilities aimed at significant business growth.
Borrowing Power: Members can access up to 3 times the value of their accumulated savings.
Eligibility: To qualify, a member must have a consistent saving record for at least six months.
Security: These loans are fully secured within the Sacco through high-value collateral such as a motor vehicle logbook or a land title deed.
Short-Term Loans
Designed for immediate cash flow needs or unexpected operational costs.
Fast Access: Like our development loans, these are available after six months of active saving.
Guarantorship: To foster the core value of Teamwork, all short-term loans must be guaranteed by a fellow Sacco member.
Tyre Loans
Recognizing that tires are a primary recurring expense for transporters, we offer a specialized credit line for fleet maintenance.
Credit Access: Members are provided with quality truck tyres on credit to ensure zero downtime.
Rapid Repayment: To keep the facility revolving and available, the loan amount is payable within a 2-week period.
comparison of the specific loan products offered by Kajiado Multi-transporters Sacco Ltd
| Loan Type | Interest Rate | Max Amount | Security Required | Repayment Terms |
| Normal Loans | 1% p.a. | Up to 3x savings | Logbook or Title Deed | Granted after 6 months of saving |
| Short Term Loans | 1% p.a. | Based on savings | Guaranteed by a Sacco member | Granted after 6 months of saving |
| Tyre Loans | N/A (Credit) | Based on tyre cost | Membership status | Payable within 2 weeks |
Savings & Dividends Overview
Building a strong financial foundation is at the heart of the Kajiado Multi-transporters Sacco philosophy. By participating in our savings programs, members don't just secure their future; they gain the power to grow their businesses through low-interest credit and shared profits.
Our savings structure is designed to be accessible yet disciplined, ensuring the long-term economic welfare of every member.
Mandatory Monthly Savings
To maintain active membership and eligibility for loan products, every member contributes a minimum of Ksh 1,000 monthly.
Dividends
Your savings are an investment in the Sacco's success. As the institution grows, members earn yearly dividends proportional to their savings, providing an additional stream of income.
Loan Eligibility
Consistent saving for a period of six months unlocks your ability to borrow up to three times your accumulated savings.
Share Capital
Beyond monthly savings, a one-time non-refundable investment of Ksh 20,000 represents your permanent ownership and equity in the Sacco.
Why Save With Us?
| Feature | Benefit |
| Consistent Contributions | Build a safety net for your transport business. |
| Annual Returns | Watch your wealth grow through annual dividend payouts. |
| Borrowing Power | High savings totals allow for larger development loans. |
| Democratic Ownership | Your share capital makes you a co-owner of the institution. |