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Kenya Union of Savings & Credit Cooperatives Development Loan

KUSCCO

Last updated: April 16, 2026

|Last verified: Apr 16, 2026
0/5
Based on 0 Reviews
Interest Rate
11.5% p.a.
Loan Amount
Ksh 100,000 - Ksh 30,000,000
Approval Time
24-72 hours
Processing Fee
KshNaN

Rating Breakdown

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Pros & Cons

Pros

  • Competitive 11.5% interest on reducing balance
  • Up to 3x deposits development loan
  • Tailored for umbrella body representing 4,000+ kenyan saccos
  • KUSCCO House Nairobi anchor branch
  • Tenure up to 72 months
  • Wholesale cooperative expertise
  • KUSCCO Mutual insurance built-in
  • Training support bundled

Cons

  • Restricted to umbrella common bond members
  • Guarantors required from same SACCO
  • Minimum 6 months deposits before first loan
  • Processing can take up to 48 hours
  • Primarily institutional borrowers
  • Individual access via member SACCO only

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Product Details

Features

  • Central finance facility for 4,000+ affiliated SACCOs
  • Inter-SACCO liquidity support loans
  • Bulk purchase loans for cooperative societies
  • Capacity building loans tied to SACCO officer training
  • Risk management deposits insured via KUSCCO Mutual
  • Competitive 11.5% rate for wholesale cooperative lending
  • Technical assistance bundled with loan disbursements

Eligibility Requirements

Age: 18 - 60 years
Employment: Member SACCO employees, Affiliated society staff, Cooperative officials

Required Documents

  • National ID
  • Membership certificate
  • Payslips (3 months) or trade proof
  • Guarantor forms (2+ guarantors)
  • KRA PIN certificate

Repayment Options

Salary check-offBank transferM-Pesa

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