{"id":4970,"date":"2023-07-14T10:16:07","date_gmt":"2023-07-14T10:16:07","guid":{"rendered":"https:\/\/beanafrica.com\/dev\/nyatisacco\/?page_id=4970"},"modified":"2023-10-18T09:25:48","modified_gmt":"2023-10-18T09:25:48","slug":"bosa","status":"publish","type":"page","link":"https:\/\/beanafrica.com\/dev\/nyatisacco\/products-services\/bosa-products\/bosa\/","title":{"rendered":"BOSA"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4970\" class=\"elementor elementor-4970\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-27a798b elementor-section-full_width elementor-section-height-min-height elementor-section-stretched elementor-section-height-default elementor-section-items-middle wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"27a798b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9c19815\" data-id=\"9c19815\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-883cd06 elementor-widget elementor-widget-vankine-title-v1\" data-id=\"883cd06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"vankine-title-v1.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t                    <div class=\"section_title type_one\">\r\n                                        <div class=\"title_whole\">\r\n                                            <h2 class=\"title\"> Back Office Service Activity  <\/h2>\r\n                                    <\/div>\r\n                                <\/div>\r\n            \r\n\r\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1e01540 elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"1e01540\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-cc49af0\" data-id=\"cc49af0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2a34da1 elementor-section-full_width elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"2a34da1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-85873b8\" data-id=\"85873b8\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-db9899b elementor-widget elementor-widget-heading\" data-id=\"db9899b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Access Loans upto<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3398422 elementor-widget elementor-widget-heading\" data-id=\"3398422\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4X<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4483d1e elementor-widget elementor-widget-heading\" data-id=\"4483d1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">your Deposit<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8bf37f6\" data-id=\"8bf37f6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7178c5d elementor-widget elementor-widget-text-editor\" data-id=\"7178c5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Back Office Services Activity (BOSA) enables a member to make deposits and access credit services. The deposits are non-withdrawable (refunded when a member withdraws from the sacco) and allows members to borrow against their savings, at very competitive interest rates.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-850acb9 elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"850acb9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4925bf6\" data-id=\"4925bf6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7d02e0d elementor-invisible elementor-widget elementor-widget-vankine-title-v1\" data-id=\"7d02e0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"vankine-title-v1.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t                    <div class=\"section_title type_one\">\r\n                            <h4 class=\"sm_title\"> BOSA<\/h4>\r\n                                        <div class=\"title_whole\">\r\n                                            <h2 class=\"title\"> BOSA saving products  <\/h2>\r\n                                    <\/div>\r\n                                <\/div>\r\n            \r\n\r\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a010f34 elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"a010f34\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8af1b21\" data-id=\"8af1b21\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bf5e661 elementor-invisible elementor-widget elementor-widget-vankine-title-v1\" data-id=\"bf5e661\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"vankine-title-v1.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t                    <div class=\"section_title type_one\">\r\n                                        <div class=\"title_whole\">\r\n                                            <h3 class=\"title\"> Member Deposits  <\/h3>\r\n                                    <\/div>\r\n                                <\/div>\r\n            \r\n\r\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b6f19b elementor-widget elementor-widget-text-editor\" data-id=\"0b6f19b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This is the monthly contribution made by a member against which they can access loans, guarantee loan and earn interest at the end of the year.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-433b3de elementor-section-full_width elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"433b3de\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-dad0652\" data-id=\"dad0652\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-429c67b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"429c67b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-save-money\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Minimum monthly contribution is a per Gold membership category<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c466533 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"c466533\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-save-money\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">To Earn interest on deposits, member MUST pay contributions consistently<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ffe0b86 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"ffe0b86\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-save-money\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Ability to guarantee and be guaranteed<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cea150b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"cea150b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-save-money\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Ability to access loans in multiples of 4 times on one\u2019s deposits<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-76563dd elementor-hidden-tablet\" data-id=\"76563dd\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e36651d elementor-widget elementor-widget-spacer\" data-id=\"e36651d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ef064d0 elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"ef064d0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a9bd6a2 elementor-hidden-tablet\" data-id=\"a9bd6a2\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-edabd6c elementor-widget elementor-widget-spacer\" data-id=\"edabd6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9fe9c62\" data-id=\"9fe9c62\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e6e7c1c elementor-invisible elementor-widget elementor-widget-vankine-title-v1\" data-id=\"e6e7c1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"vankine-title-v1.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t                    <div class=\"section_title type_one\">\r\n                                        <div class=\"title_whole\">\r\n                                            <h3 class=\"title\"> Share Capital  <\/h3>\r\n                                    <\/div>\r\n                                <\/div>\r\n            \r\n\r\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6283a87 elementor-widget elementor-widget-text-editor\" data-id=\"6283a87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This is a unit of ownership of the SACCO and members earn dividends on the same annually when declared. The Share Capital is not withdrawable and cannot be used to guarantee loans or used as multiplier to access loan but can be sold or transferred to an existing member upon one\u2019s withdrawal from the SACCO. The minimum share capital is Kshs. 30,000.00 or 3000 shares of Kshs100.00 each by December 2026.<\/p><p><strong>Reasons why a member should have a Share Capital account:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3271991 elementor-section-full_width elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"3271991\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-e1649ec\" data-id=\"e1649ec\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7408cb8 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"7408cb8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-save-money\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">To drive the SACCO business<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56c7e68 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"56c7e68\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-save-money\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">To meet the SASRA requirements that is the Institutional Capital<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f30230b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"f30230b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-save-money\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">It\u2019s a long-term investment with annual return<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fc4c46e elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"fc4c46e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-66cc24b\" data-id=\"66cc24b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-699733e elementor-invisible elementor-widget elementor-widget-vankine-title-v1\" data-id=\"699733e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"vankine-title-v1.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t                    <div class=\"section_title type_one\">\r\n                                        <div class=\"title_whole\">\r\n                                            <h3 class=\"title\"> Benevolent Fund  <\/h3>\r\n                                    <\/div>\r\n                                <\/div>\r\n            \r\n\r\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36e2707 elementor-widget elementor-widget-text-editor\" data-id=\"36e2707\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">This is a premium paid by each member in order to take care of funeral arrangements in case of demise of Member and Spouse. The amount to be paid is ksh.240 per month for Member and Spouse. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3d6796c elementor-section-full_width elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"3d6796c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-bec9556\" data-id=\"bec9556\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4cd4f19 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"4cd4f19\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-save-money\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">In case of a member\u2019s demise, the family is given Ksh.100,000 for Burial Expenses, all loans are offset then next of Kin is refunded Two (2) times of member savings <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c58f7c6 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"c58f7c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-save-money\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">In case of Spouse demise, the family is given ksh.70,000 for Burial Expenses<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74cf6ff elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"74cf6ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-save-money\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">If a Member is totally incapacitated, Sacco shall pay 30% of outstanding loans.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7141ab8 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"7141ab8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-save-money\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Ability to access loans in multiples of 4 times on one\u2019s deposits<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-478595d elementor-widget elementor-widget-text-editor\" data-id=\"478595d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Claim Procedure:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bfb01e elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"4bfb01e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-save-money\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Fill claim form and attach Original &amp; a copy of burial permit, ID of Member and deceased then claims will be paid within 48hrs.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a9e0e0 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"1a9e0e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-save-money\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">To facilitate final dues, member must provide original Death Certificate.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f107dde elementor-hidden-tablet\" data-id=\"f107dde\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5c9cebb elementor-widget elementor-widget-spacer\" data-id=\"5c9cebb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ae89038 elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"ae89038\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-01960ca\" data-id=\"01960ca\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-14f6c4c elementor-invisible elementor-widget elementor-widget-vankine-title-v1\" data-id=\"14f6c4c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"vankine-title-v1.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t                    <div class=\"section_title type_one\">\r\n                                        <div class=\"title_whole\">\r\n                                            <h3 class=\"title\"> The Loan Procedure  <\/h3>\r\n                                    <\/div>\r\n                                <\/div>\r\n            \r\n\r\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3f6d988 elementor-section-full_width elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"3f6d988\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-a26c064\" data-id=\"a26c064\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1df1f83 elementor-invisible elementor-widget elementor-widget-vankine-title-v1\" data-id=\"1df1f83\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"vankine-title-v1.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t                    <div class=\"section_title type_one\">\r\n                                        <div class=\"title_whole\">\r\n                                            <h1 class=\"title\"> 01  <\/h1>\r\n                                    <\/div>\r\n                                <\/div>\r\n            \r\n\r\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-362425d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"362425d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6554524 elementor-widget elementor-widget-text-editor\" data-id=\"6554524\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A member becomes eligible after three months of consistent contribution. Minimum deposit of 12,000<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-c08ebe2\" data-id=\"c08ebe2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8abcbfa elementor-invisible elementor-widget elementor-widget-vankine-title-v1\" data-id=\"8abcbfa\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"vankine-title-v1.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t                    <div class=\"section_title type_one\">\r\n                                        <div class=\"title_whole\">\r\n                                            <h1 class=\"title\"> 02  <\/h1>\r\n                                    <\/div>\r\n                                <\/div>\r\n            \r\n\r\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c28380 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5c28380\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5986f4a elementor-widget elementor-widget-text-editor\" data-id=\"5986f4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Members are required to fill in a loan form and select the loan they are applying for<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-937d432\" data-id=\"937d432\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-98fe6cc elementor-invisible elementor-widget elementor-widget-vankine-title-v1\" data-id=\"98fe6cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"vankine-title-v1.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t                    <div class=\"section_title type_one\">\r\n                                        <div class=\"title_whole\">\r\n                                            <h1 class=\"title\"> 03  <\/h1>\r\n                                    <\/div>\r\n                                <\/div>\r\n            \r\n\r\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdda089 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"cdda089\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13162f6 elementor-widget elementor-widget-text-editor\" data-id=\"13162f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Enough guarantors are required if loan applied together with any other existing loans is above the deposits<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1309577 elementor-section-full_width elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"1309577\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-b1b6a23\" data-id=\"b1b6a23\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fd4bf0b elementor-invisible elementor-widget elementor-widget-vankine-title-v1\" data-id=\"fd4bf0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"vankine-title-v1.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t                    <div class=\"section_title type_one\">\r\n                                        <div class=\"title_whole\">\r\n                                            <h1 class=\"title\"> 04  <\/h1>\r\n                                    <\/div>\r\n                                <\/div>\r\n            \r\n\r\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a91e0f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7a91e0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa511f6 elementor-widget elementor-widget-text-editor\" data-id=\"fa511f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Once the loan reaches Nyati office, the member is informed via SMS and the form proceeds for guarantor booking<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-7d41a8f\" data-id=\"7d41a8f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4fa06d9 elementor-invisible elementor-widget elementor-widget-vankine-title-v1\" data-id=\"4fa06d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"vankine-title-v1.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t                    <div class=\"section_title type_one\">\r\n                                        <div class=\"title_whole\">\r\n                                            <h1 class=\"title\"> 05  <\/h1>\r\n                                    <\/div>\r\n                                <\/div>\r\n            \r\n\r\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92c54c3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"92c54c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b78b8d0 elementor-widget elementor-widget-text-editor\" data-id=\"b78b8d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Loans can be differed if the form is faulty, guarantors are not eligible, it is not signed, or member does not qualify for loan<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-43be0d7\" data-id=\"43be0d7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-894d66f elementor-invisible elementor-widget elementor-widget-vankine-title-v1\" data-id=\"894d66f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"vankine-title-v1.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t                    <div class=\"section_title type_one\">\r\n                                        <div class=\"title_whole\">\r\n                                            <h1 class=\"title\"> 06  <\/h1>\r\n                                    <\/div>\r\n                                <\/div>\r\n            \r\n\r\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9623703 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"9623703\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3491ad elementor-widget elementor-widget-text-editor\" data-id=\"a3491ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>No form is returned to the member, the member is required to fill in a new form or guarantor additional form<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2c05454 elementor-section-full_width elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"2c05454\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-bf31977\" data-id=\"bf31977\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8b2f803 elementor-invisible elementor-widget elementor-widget-vankine-title-v1\" data-id=\"8b2f803\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"vankine-title-v1.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t                    <div class=\"section_title type_one\">\r\n                                        <div class=\"title_whole\">\r\n                                            <h1 class=\"title\"> 07  <\/h1>\r\n                                    <\/div>\r\n                                <\/div>\r\n            \r\n\r\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fcdc08 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7fcdc08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34826e0 elementor-widget elementor-widget-text-editor\" data-id=\"34826e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Members should ensure they know the responsibilities they carry as guarantors<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-992bbe4\" data-id=\"992bbe4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a1e9b21 elementor-invisible elementor-widget elementor-widget-vankine-title-v1\" data-id=\"a1e9b21\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"vankine-title-v1.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t                    <div class=\"section_title type_one\">\r\n                                        <div class=\"title_whole\">\r\n                                            <h1 class=\"title\"> 08  <\/h1>\r\n                                    <\/div>\r\n                                <\/div>\r\n            \r\n\r\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14ae62f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"14ae62f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08145a6 elementor-widget elementor-widget-text-editor\" data-id=\"08145a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>While granting loans, the members Gross Salary or income is considered, and the SACCO is expected to utilize a maximum of 2\/3rd of the net income thereby leaving the member with a take home pay of not less than 1\/3rd.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-9e5e686\" data-id=\"9e5e686\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-556b698 elementor-invisible elementor-widget elementor-widget-vankine-title-v1\" data-id=\"556b698\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"vankine-title-v1.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t                    <div class=\"section_title type_one\">\r\n                                        <div class=\"title_whole\">\r\n                                            <h1 class=\"title\"> 09  <\/h1>\r\n                                    <\/div>\r\n                                <\/div>\r\n            \r\n\r\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c2f70c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2c2f70c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8dd2d48 elementor-widget elementor-widget-text-editor\" data-id=\"8dd2d48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Not listed in CRB<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7540ba7 elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"7540ba7\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-168d137\" data-id=\"168d137\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b68e35d elementor-invisible elementor-widget elementor-widget-vankine-title-v1\" data-id=\"b68e35d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"vankine-title-v1.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t                    <div class=\"section_title type_one\">\r\n                                        <div class=\"title_whole\">\r\n                                            <h3 class=\"title\"> Guarantorship  <\/h3>\r\n                                    <\/div>\r\n                                <\/div>\r\n            \r\n\r\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1cd4551 elementor-section-full_width elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"1cd4551\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6504147\" data-id=\"6504147\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-da6a2ba elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"da6a2ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-save-money\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">For long term loans Less than kshs400,000: Minimum 3 guarantors (Aggregate of deposits covering loan amount)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0d4361 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"c0d4361\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-save-money\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">For all loans above Kshs400,000: Minimum 4 (Aggregate of deposits covering loan amount)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f85ca0 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"1f85ca0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-save-money\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Self-guaranteed loans max of 90% of deposits for members who have not guaranteed other loans<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e7fcbc elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"5e7fcbc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-save-money\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">A member can guarantee up to 6 loans<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d7d20f3\" data-id=\"d7d20f3\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6cc8697 elementor-invisible elementor-widget elementor-widget-vankine-title-v1\" data-id=\"6cc8697\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"vankine-title-v1.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t                    <div class=\"section_title type_one\">\r\n                            <h4 class=\"sm_title\"> Interested?<\/h4>\r\n                                        <div class=\"title_whole\">\r\n                                            <h3 class=\"title\"> Check out our BOSA Saving Products  <\/h3>\r\n                                    <\/div>\r\n                                <\/div>\r\n            \r\n\r\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bb9513 elementor-align-left elementor-align--mobileleft elementor-widget elementor-widget-elementskit-button\" data-id=\"2bb9513\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\t\t<div class=\"ekit-btn-wraper\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/beanafrica.com\/dev\/nyatisacco\/products-services\/bosa-products\/bosa-saving-products\/\" class=\"elementskit-btn  whitespace--normal\" id=\"\">\n\t\t\t\t\tBOSA Savings Products<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"31\" viewBox=\"0 0 30 31\" fill=\"none\"><path d=\"M12.5 8L10.7375 9.7625L16.4625 15.5L10.7375 21.2375L12.5 23L20 15.5L12.5 8Z\" fill=\"white\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Back Office Service Activity Access Loans upto 4X your Deposit Back Office Services Activity (BOSA) enables a member to make deposits and access credit services. The deposits are non-withdrawable (refunded when a member withdraws from the sacco) and allows members to borrow against their savings, at very competitive interest rates. BOSA BOSA saving products Member Deposits This is the monthly contribution made by a member against which they can access loans, guarantee loan and earn interest at the end of the year. Minimum monthly contribution is a per Gold membership category To Earn interest on deposits, member MUST pay contributions consistently Ability to guarantee and be guaranteed Ability to access loans in multiples of 4 times on one\u2019s deposits Share Capital This is a unit of ownership of the SACCO and members earn dividends on the same annually when declared. The Share Capital is not withdrawable and cannot be used to guarantee loans or used as multiplier to access loan but can be sold or transferred to an existing member upon one\u2019s withdrawal from the SACCO. The minimum share capital is Kshs. 30,000.00 or 3000 shares of Kshs100.00 each by December 2026. Reasons why a member should have a Share Capital account: To drive the SACCO business To meet the SASRA requirements that is the Institutional Capital It\u2019s a long-term investment with annual return Benevolent Fund This is a premium paid by each member in order to take care of funeral arrangements in case of demise of Member and Spouse. The amount to be paid is ksh.240 per month for Member and Spouse. In case of a member\u2019s demise, the family is given Ksh.100,000 for Burial Expenses, all loans are offset then next of Kin is refunded Two (2) times of member savings In case of Spouse demise, the family is given ksh.70,000 for Burial Expenses If a Member is totally incapacitated, Sacco shall pay 30% of outstanding loans. Ability to access loans in multiples of 4 times on one\u2019s deposits Claim Procedure: Fill claim form and attach Original &#038; a copy of burial permit, ID of Member and deceased then claims will be paid within 48hrs. To facilitate final dues, member must provide original Death Certificate. The Loan Procedure 01 A member becomes eligible after three months of consistent contribution. Minimum deposit of 12,000 02 Members are required to fill in a loan form and select the loan they are applying for 03 Enough guarantors are required if loan applied together with any other existing loans is above the deposits 04 Once the loan reaches Nyati office, the member is informed via SMS and the form proceeds for guarantor booking 05 Loans can be differed if the form is faulty, guarantors are not eligible, it is not signed, or member does not qualify for loan 06 No form is returned to the member, the member is required to fill in a new form or guarantor additional form 07 Members should ensure they know the responsibilities they carry as guarantors 08 While granting loans, the members Gross Salary or income is considered, and the SACCO is expected to utilize a maximum of 2\/3rd of the net income thereby leaving the member with a take home pay of not less than 1\/3rd. 09 Not listed in CRB Guarantorship For long term loans Less than kshs400,000: Minimum 3 guarantors (Aggregate of deposits covering loan amount) For all loans above Kshs400,000: Minimum 4 (Aggregate of deposits covering loan amount) Self-guaranteed loans max of 90% of deposits for members who have not guaranteed other loans A member can guarantee up to 6 loans Interested? Check out our BOSA Saving Products BOSA Savings Products<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":4968,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-homepage.php","meta":{"footnotes":""},"class_list":["post-4970","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>BOSA - Nyati Sacco<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/beanafrica.com\/dev\/nyatisacco\/products-services\/bosa-products\/bosa\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BOSA - Nyati Sacco\" \/>\n<meta property=\"og:description\" content=\"Back Office Service Activity Access Loans upto 4X your Deposit Back Office Services Activity (BOSA) enables a member to make deposits and access credit services. The deposits are non-withdrawable (refunded when a member withdraws from the sacco) and allows members to borrow against their savings, at very competitive interest rates. BOSA BOSA saving products Member Deposits This is the monthly contribution made by a member against which they can access loans, guarantee loan and earn interest at the end of the year. Minimum monthly contribution is a per Gold membership category To Earn interest on deposits, member MUST pay contributions consistently Ability to guarantee and be guaranteed Ability to access loans in multiples of 4 times on one\u2019s deposits Share Capital This is a unit of ownership of the SACCO and members earn dividends on the same annually when declared. The Share Capital is not withdrawable and cannot be used to guarantee loans or used as multiplier to access loan but can be sold or transferred to an existing member upon one\u2019s withdrawal from the SACCO. The minimum share capital is Kshs. 30,000.00 or 3000 shares of Kshs100.00 each by December 2026. Reasons why a member should have a Share Capital account: To drive the SACCO business To meet the SASRA requirements that is the Institutional Capital It\u2019s a long-term investment with annual return Benevolent Fund This is a premium paid by each member in order to take care of funeral arrangements in case of demise of Member and Spouse. The amount to be paid is ksh.240 per month for Member and Spouse. In case of a member\u2019s demise, the family is given Ksh.100,000 for Burial Expenses, all loans are offset then next of Kin is refunded Two (2) times of member savings In case of Spouse demise, the family is given ksh.70,000 for Burial Expenses If a Member is totally incapacitated, Sacco shall pay 30% of outstanding loans. Ability to access loans in multiples of 4 times on one\u2019s deposits Claim Procedure: Fill claim form and attach Original &#038; a copy of burial permit, ID of Member and deceased then claims will be paid within 48hrs. To facilitate final dues, member must provide original Death Certificate. The Loan Procedure 01 A member becomes eligible after three months of consistent contribution. Minimum deposit of 12,000 02 Members are required to fill in a loan form and select the loan they are applying for 03 Enough guarantors are required if loan applied together with any other existing loans is above the deposits 04 Once the loan reaches Nyati office, the member is informed via SMS and the form proceeds for guarantor booking 05 Loans can be differed if the form is faulty, guarantors are not eligible, it is not signed, or member does not qualify for loan 06 No form is returned to the member, the member is required to fill in a new form or guarantor additional form 07 Members should ensure they know the responsibilities they carry as guarantors 08 While granting loans, the members Gross Salary or income is considered, and the SACCO is expected to utilize a maximum of 2\/3rd of the net income thereby leaving the member with a take home pay of not less than 1\/3rd. 09 Not listed in CRB Guarantorship For long term loans Less than kshs400,000: Minimum 3 guarantors (Aggregate of deposits covering loan amount) For all loans above Kshs400,000: Minimum 4 (Aggregate of deposits covering loan amount) Self-guaranteed loans max of 90% of deposits for members who have not guaranteed other loans A member can guarantee up to 6 loans Interested? Check out our BOSA Saving Products BOSA Savings Products\" \/>\n<meta property=\"og:url\" content=\"https:\/\/beanafrica.com\/dev\/nyatisacco\/products-services\/bosa-products\/bosa\/\" \/>\n<meta property=\"og:site_name\" content=\"Nyati Sacco\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/NyatiSaccoLtd\/\" \/>\n<meta property=\"article:modified_time\" content=\"2023-10-18T09:25:48+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@NyatiSacco\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/beanafrica.com\\\/dev\\\/nyatisacco\\\/products-services\\\/bosa-products\\\/bosa\\\/\",\"url\":\"https:\\\/\\\/beanafrica.com\\\/dev\\\/nyatisacco\\\/products-services\\\/bosa-products\\\/bosa\\\/\",\"name\":\"BOSA - Nyati Sacco\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/beanafrica.com\\\/dev\\\/nyatisacco\\\/#website\"},\"datePublished\":\"2023-07-14T10:16:07+00:00\",\"dateModified\":\"2023-10-18T09:25:48+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/beanafrica.com\\\/dev\\\/nyatisacco\\\/products-services\\\/bosa-products\\\/bosa\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/beanafrica.com\\\/dev\\\/nyatisacco\\\/products-services\\\/bosa-products\\\/bosa\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/beanafrica.com\\\/dev\\\/nyatisacco\\\/products-services\\\/bosa-products\\\/bosa\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/beanafrica.com\\\/dev\\\/nyatisacco\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Products &#038; Services\",\"item\":\"https:\\\/\\\/beanafrica.com\\\/dev\\\/nyatisacco\\\/products-services\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"BOSA Products\",\"item\":\"https:\\\/\\\/beanafrica.com\\\/dev\\\/nyatisacco\\\/products-services\\\/bosa-products\\\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"BOSA\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/beanafrica.com\\\/dev\\\/nyatisacco\\\/#website\",\"url\":\"https:\\\/\\\/beanafrica.com\\\/dev\\\/nyatisacco\\\/\",\"name\":\"Nyati Sacco\",\"description\":\"Empowering Our Members Financially\",\"publisher\":{\"@id\":\"https:\\\/\\\/beanafrica.com\\\/dev\\\/nyatisacco\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/beanafrica.com\\\/dev\\\/nyatisacco\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/beanafrica.com\\\/dev\\\/nyatisacco\\\/#organization\",\"name\":\"Nyati Sacco\",\"url\":\"https:\\\/\\\/beanafrica.com\\\/dev\\\/nyatisacco\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/beanafrica.com\\\/dev\\\/nyatisacco\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/beanafrica.com\\\/dev\\\/nyatisacco\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/logo.jpg\",\"contentUrl\":\"https:\\\/\\\/beanafrica.com\\\/dev\\\/nyatisacco\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/logo.jpg\",\"width\":416,\"height\":364,\"caption\":\"Nyati Sacco\"},\"image\":{\"@id\":\"https:\\\/\\\/beanafrica.com\\\/dev\\\/nyatisacco\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/NyatiSaccoLtd\\\/\",\"https:\\\/\\\/x.com\\\/NyatiSacco\",\"https:\\\/\\\/youtu.be\\\/SgEBOjhw7jk\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"BOSA - Nyati Sacco","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/beanafrica.com\/dev\/nyatisacco\/products-services\/bosa-products\/bosa\/","og_locale":"en_US","og_type":"article","og_title":"BOSA - Nyati Sacco","og_description":"Back Office Service Activity Access Loans upto 4X your Deposit Back Office Services Activity (BOSA) enables a member to make deposits and access credit services. The deposits are non-withdrawable (refunded when a member withdraws from the sacco) and allows members to borrow against their savings, at very competitive interest rates. BOSA BOSA saving products Member Deposits This is the monthly contribution made by a member against which they can access loans, guarantee loan and earn interest at the end of the year. Minimum monthly contribution is a per Gold membership category To Earn interest on deposits, member MUST pay contributions consistently Ability to guarantee and be guaranteed Ability to access loans in multiples of 4 times on one\u2019s deposits Share Capital This is a unit of ownership of the SACCO and members earn dividends on the same annually when declared. The Share Capital is not withdrawable and cannot be used to guarantee loans or used as multiplier to access loan but can be sold or transferred to an existing member upon one\u2019s withdrawal from the SACCO. The minimum share capital is Kshs. 30,000.00 or 3000 shares of Kshs100.00 each by December 2026. Reasons why a member should have a Share Capital account: To drive the SACCO business To meet the SASRA requirements that is the Institutional Capital It\u2019s a long-term investment with annual return Benevolent Fund This is a premium paid by each member in order to take care of funeral arrangements in case of demise of Member and Spouse. The amount to be paid is ksh.240 per month for Member and Spouse. In case of a member\u2019s demise, the family is given Ksh.100,000 for Burial Expenses, all loans are offset then next of Kin is refunded Two (2) times of member savings In case of Spouse demise, the family is given ksh.70,000 for Burial Expenses If a Member is totally incapacitated, Sacco shall pay 30% of outstanding loans. Ability to access loans in multiples of 4 times on one\u2019s deposits Claim Procedure: Fill claim form and attach Original &#038; a copy of burial permit, ID of Member and deceased then claims will be paid within 48hrs. To facilitate final dues, member must provide original Death Certificate. The Loan Procedure 01 A member becomes eligible after three months of consistent contribution. Minimum deposit of 12,000 02 Members are required to fill in a loan form and select the loan they are applying for 03 Enough guarantors are required if loan applied together with any other existing loans is above the deposits 04 Once the loan reaches Nyati office, the member is informed via SMS and the form proceeds for guarantor booking 05 Loans can be differed if the form is faulty, guarantors are not eligible, it is not signed, or member does not qualify for loan 06 No form is returned to the member, the member is required to fill in a new form or guarantor additional form 07 Members should ensure they know the responsibilities they carry as guarantors 08 While granting loans, the members Gross Salary or income is considered, and the SACCO is expected to utilize a maximum of 2\/3rd of the net income thereby leaving the member with a take home pay of not less than 1\/3rd. 09 Not listed in CRB Guarantorship For long term loans Less than kshs400,000: Minimum 3 guarantors (Aggregate of deposits covering loan amount) For all loans above Kshs400,000: Minimum 4 (Aggregate of deposits covering loan amount) Self-guaranteed loans max of 90% of deposits for members who have not guaranteed other loans A member can guarantee up to 6 loans Interested? 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