Turning cents
into strength,
one member at a time.
On a mutual call and mutual concern to uplift our economic power, we came together to chart a way forward on business and investment — reducing overdependence on the salaries we earn, together.
The four pillars of our vision, ringed around the day the group was founded
To change the economic narrative for our people
We adopted this Constitution to come together and chart a way forward on how to use the business and investment opportunities amongst our people — to inspire the belief that we can thrive in business as we do in academics and politics.
To use a practical approach to help members realize their full potential, increase incomes, and reduce overdependence on the salaries they earn, through partnership with individuals, organizations, and other stakeholders who share our vision.
To be a vibrant and empowered community that fosters partnerships, enhances livelihoods, and drives financial, social, and personal growth through education, collaboration, and shared opportunities.
- Empowerment & GrowthCore to improving members' lives
- Partnership & NetworkingConnecting with like-minded organizations
- Capacity BuildingThrough training and education
- Community & SharingA platform for collaboration and mutual support
Every member holds three accounts
Each account serves a distinct purpose — short-term access, voluntary growth, and disciplined minimum saving.
Current Account
For funds intended for short-term use within the year. Withdraw anytime before the AGM.
Savings Account
For voluntary contributions above the set minimum. The full balance, including dividends, is withdrawable only at the AGM.
Fixed Deposit Account
Holds the mandatory minimum monthly contribution. Not withdrawable during membership.
Four loans, built for different needs
All loan requests are submitted in writing to the chairperson for approval, then to the treasurer for disbursement.
Micro-Enterprise Loan
For business growth, guaranteed by the previous year's shares.
Household Consumption Loan
Below KES 50,000 runs 3 months at 3.5%/mo; KES 50,000 and above runs 5 months at 5%/mo, recovered from shares at term-end.
Non-Member Loan
Guaranteed by a bona fide member. Interest splits 40% to the guarantor's dividends, 60% shared by share ratio.
Emergency Loan
For urgent needs, guaranteed by the group's total assets. Interest splits 20% to group dividends, 20% to the loanee, 60% shared equally among active members.
Burial Benevolent Fund & wellbeing support
A portion of every monthly contribution — KES 200 — goes into the Burial Benevolent Fund (BBF), so members are supported at the hardest moments.
In the event of death
- Primary member — each member contributes KES 2,000, plus KES 20,000 from the BBF, to the nominated family member.
- Spouse or child — each member contributes KES 1,500, plus KES 16,000 from the BBF.
- Parent — each member contributes KES 1,000, plus KES 10,000 from the BBF.
Ill-health support
Severity is assessed by the Management Committee together with a recognized medical officer. All members are expected to be registered with NHIF; where an illness isn't covered and admission runs over a week, the group provides a medical subsidy.
Four steps to membership
Open to anyone 18 or over with a reliable source of income, subject to approval by the Management Committee.
Apply
Submit your details below. Membership is subject to Management Committee approval.
Pay the membership fee
A non-refundable fee of KES 2,000 upon approval.
Contribute monthly
At least KES 3,500 by the 5th of each month — split across Savings, bookkeeping, and the BBF.
Build your shares
Your shares grow with every contribution, unlocking loan eligibility and dividends at the AGM.
Tell us a little about yourself
A committee member will follow up on your application.
- ✓ Membership fee: KES 2,000 (non-refundable)
- ✓ Minimum monthly contribution: KES 3,500, due by the 5th
- ✓ Contributions to KCB Bank, Acc. No. 1322106908, TRM Branch
- ✓ Open to anyone 18+ with a reliable income