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Karibu Loan

A special loan product designed to welcome new members on check-off plans.

๐Ÿ’ผ Empower Your Employees with ZOGHORI SACCO's CHECK-OFF PLAN

Are you an employer who believes in financial growth beyond the paycheck?
ZOGHORI SACCO invites you to partner with us in transforming your workforceโ€™s financial future.

Empowered employees are productive, loyal, and visionary. Through our Check-Off Membership, you can help your staff build savings and access affordable credit โ€” all with ease.

  • Simple onboarding: We enroll your staff under our check-off system and sign an M.O.U guiding our relationship.
  • Seamless remittance: You remit their monthly savings via cheque or bank transfer.
  • Instant access: New members qualify for our KARIBU LOAN โ€” a welcome facility designed to help them settle in and understand our loan structure and later on continue to enjoy broader loan facilities.

  • Fast approval for new members on check-off
  • Flexible repayment terms
  • A gentle introduction to SACCO borrowing
  • Builds credit history and financial confidence

Letโ€™s Partner for Impact
Join hands with ZOGHORI SACCO to create a financially empowered workforce.
Together, we grow beyond dependency.

๐Ÿ“ž Contact us today to onboard your team.
๐Ÿ“ ZOGHORI SACCO โ€” Empowering Members, Transforming Lives

Loan Details

Eligibility:
  • Minimum 3 months active membership with check-off contributions.
  • Loan appraised on net salary (1/3 rule applies).
  • Authenticated 3 current monthly payslips/paystubs approved by employer.
  • Employer approval required to ensure compliance.
Loan Terms:
  • Minimum loan: KSH 5,000
  • Maximum loan: Up to 66% of net pay (max KSH 50,000)
  • Interest rate: 1.5% per month (flat rate)
  • Maximum repayment period: 10 months
  • Processing fee: KSH 450 (subject to change)
  • Security: Salary + 2 guarantors (check-off arrangement)

OUR NETWORK OF BRANCHES

HQ. OFFICES

GARISO BUILDING, 1st FLOOR, RIGHT WING
MERU ROAD, MOMBASA TOWN

(+254) 720-615062
(+254) 732-615062

VOI BRANCH

Located Opposite SHAKE DISTRIBUTORS,
VOI TOWN

(+254) 797-005468
(+254) 755-005468

MWATATE OFFICE

ZOGHORI SACCO COMPLEX BUIDLING,
MWATATE TOWN

(+254) 768-748649
(+254) 739-675587

WUNDANYI BRANCH

WUNDANYI MATATU STAGE,
WUNDANYI TOWN

(+254) 738-534821