HakiTume Sacco

Haki Tume Sacco is a secure digital platform for registered members of a Kenyan Savings and Credit Cooperative (SACCO).

Members can manage contributions, view balances and statements, receive dividends, and apply for loans under clear and transparent terms, in accordance with SACCO bylaws and Kenyan regulations.

Loan Products

All loans include full APR disclosure, fees, repayment schedules, monthly payment examples, eligibility requirements, and in-app support.

Development Loan Up to 3 times member contributions 12 percent APR, up to 60 months Example: KSh 1,944 per month on KSh 100,000 over 60 months Guarantor required

Emergency Loan Up to KSh 200,000 12 percent APR, 12 months Example: KSh 8,885 per month on KSh 100,000 Same day approval for eligible members

School Fees Loan Up to KSh 100,000 12 percent APR, 12 months Paid directly to the institution

Early repayment is allowed with no penalties. Late payment terms and all fees are disclosed in app.

Account and Governance

Real time balance and statement access

Dividend payments after AGM approval

Secure authentication and encrypted data

Member only access

Operates under Kenyan cooperative law with independent audits and elected leadership

This app is available only to approved SACCO members.