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Individual Application Form
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ATM Application Form
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Karibu Sacco Loan

This loan is granted to members after saving for 3 months.
a. Maximum amount 50,000..
b. Repayment period is 12 months.

Emergency Loan

a. Granted to members to sort urgent needs.
b. Maximum amount shall be ksh100,000.
c. Evidence of emergency document.
d. Repayment period of 12 months.
e. 1 guarantor required

School fees/college loan

a. Granted to cater for college and school fees.
b. The loans are fully guaranteed by deposits.
c. Given within x3 times factor.
d. School fees structure is attached as a requirement.
e. Repayment period of 12 months

Pamoja loan

This a loan offered to co-operatives, institutions and companies.
a. Maximum repayment period 60 months.
b. Loan security logbook/title deed.
c. A must the company to have patronized VAS Fosa savings for minimum period of one month.
d. Loan advanced 5 times the Bosa savings.
e. Current minutes of the board agreeing the purchase of the Loan should be provided.
f. Financial documents of the institution for the last 6 months.
g. KRA pin of the organization should be provided.
h. And an M.O.U should be signed between the Sacco and the organization on the modalities of payment of the Loan commissioned by the Sacco advocate.
i. Certificate of registration of the organization a must.