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Membership
Four steps to becoming an owner.
Bring your national ID and a registered M-Pesa number. Everything else happens on the phone in your hand.
Register
Bring your national ID and M-Pesa number. Registration takes minutes at the office or online.
Pay & activate
Pay the registration fee and opening amount by M-Pesa. Your account activates automatically.
Save or buy shares
Build savings every month, or take up share capital and grow your ownership.
Access credit
After the qualifying period, apply for a loan against your savings or with guarantors.
Apply online
Start your membership application.
Complete the three short steps and our registration desk will call you the same working day to confirm details and send the M-Pesa prompt.
Member benefits
What membership gives you.
Portal access
Balances, statements, loan schedules and payment history on any phone, any time.
Ownership
Share capital at KES 5,000 a share, a verifiable certificate and a vote at the AGM.
Credit access
Loans priced on reducing balance, with an offer letter before any disbursement.
Dividends
A share of declared annual profit, credited to shareholding members.
Already a member?
Sign in to the member portal to check balances, download statements and pay by M-Pesa.