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Share Capital

Share Capital is the shareholding that every member hold in the Sacco. It is a long-term investment a member puts in the Sacco for higher returns in form of dividends.

Features:
– Gives a member the full rights to enjoy all the Sacco products and services.
– It earns members dividends.
– Minimum Share Capital is Kshs. 10,000 per member i.e. 500 shares @ Ksh.20.
– Can be transferred to another member upon termination of membership.

Member Deposits

Long term non-withdrawable savings contributed monthly by the members.

Features:
– Minimum monthly deposit of Kshs.1000.
– Higher deposits give a member higher borrowing power i.e. 3* the savings
– Members earn dividends
– Non-withdrawable however is refundable upon termination of membership as per the Sacco – bylaws.
– Can be used as security against a loan.