Jiokoe Instant Loan
A small, short-term loan for urgent daily needs.
Terms being confirmed
Who it is for
Members who save regularly and need a small amount for a short period — for example a mama mboga restocking before market day or a boda boda rider fixing a tyre.
What it is for
Quick working capital for stock, a repair, or a bill that cannot wait until the end of the week.
How to apply
- Be an active member who has completed 4 consecutive months of saving To be confirmed.
- Talk to your field officer or visit your nearest office — say you want the Jiokoe Instant Loan.
- Fill the loan application form at the office. The Sacco may visit your business and may ask for guarantors.
Before you borrow
Interest, fees and penalties are set out in the product schedule and the loan form you sign — ask the field officer to walk you through every figure. If a loan is not repaid, the Sacco can recover it from your savings and shares, then from your guarantors'. Details here are for information, not an offer, and can change.
Figures from the October 2026 product list. An older 2025 form gives different terms — publish only after the signed schedule is supplied.