Every member of the society must contribute to this scheme and should make a minimum monthly contribution of Kshs. 2,500 and Kshs. 1,000 (Pensioners only). All members must remit minimum savings for a period of not less than 3 months to qualify for a loan. The savings contributed towards this scheme shall allow the member to acquire Main, Emergency, Special and Jiokoe Loans. The main savings product cannot be used to offset a loan unless a member is withdrawing from the society but they can be transferred upon guarantor replacement to another member in any scheme. Any member who wishes to withdraw his/her deposits must give a written 60 days notice.
