Ukulima SACCO Development Loan
Ukulima SACCO
Last updated: April 16, 2026
★★★★★
0/5Based on 0 Reviews
Interest Rate
12% p.a.
Loan Amount
Ksh 50,000 - Ksh 12,000,000
Approval Time
24-72 hours
Processing Fee
KshNaN
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Pros & Cons
Pros
- Competitive 12% interest on reducing balance
- Up to 4x deposits development loan
- Tailored for ministry of agriculture staff
- Kilimo House Nairobi anchor branch
- Tenure up to 72 months
- Planting-season farm input loans
- KALRO grant bridging
- 50+ branches nationwide
Cons
- Restricted to agriculture common bond members
- Guarantors required from same SACCO
- Minimum 3 months deposits before first loan
- Processing can take up to 48 hours
- Agriculture common bond dominates
- Rural branch staffing varies
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Product Details
Features
- Historic SACCO rooted in Ministry of Agriculture common bond
- Farm input loan timed to planting seasons
- 4x deposits borrowing multiplier
- Salary check-off via MoALFD payroll
- Research grant bridging loan for KALRO staff
- FOSA with farmer-friendly savings goals
- 50+ branch network across farming counties
Eligibility Requirements
Age: 18 - 60 years
Employment: Ministry of Agriculture staff, KALRO researchers, KEPHIS officers, County extension officers
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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