Avunja Jiinue Sacco
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Membership Terms & Conditions
Loan Eligibility Rules:
- Must be a member for at least 6 months
- Regular contributions for 3 consecutive months
- Maximum loan amount: 3x your total savings
- Interest rate: 1% per month
Contribution Policy:
- Minimum monthly contribution: KES 2,000
- Contributions are due by the 5th of each month
- Late payments attract a 5% penalty
- Withdrawals allowed after 12 months of membership
Withdrawal Rules:
- Minimum withdrawal amount: KES 5,000
- Withdrawal requests processed within 3 business days
- Emergency withdrawals available with board approval
What Happens Next?
Next Steps:
- You'll get your Membership Number
- We'll send you a welcome message with payment instructions
- Your contributions will start building your future right away
You'll be invited to join our orientation sessions and access SACCO benefits.
Welcome to the Avunja Jiinue Sacco
Learn. Earn. Grow. Achieve your aspirations.
At Jiinue Avunja Sacco, we believe that every young person deserves the chance to build a strong future. When you join us, you get the tools and community to:
- Learn → Build your financial and business skills.
- Earn → Save, access affordable loans, and grow your biz.
- Grow → Achieve your dreams and secure your future.
We are more than a savings group – we are a movement of young people supporting each other to rise.
Why Join Avunja Jiinue Sacco?
Avunja Jiinue Sacco is more than just a savings and credit cooperative; it's a partnership dedicated to helping you achieve your financial dreams. We believe in the power of small beginnings, providing a platform where every cent you save works for you. By joining our community, you're not just securing your financial future—you're becoming part of a supportive network of young, ambitious entrepreneurs. Let us help you turn your aspirations into reality, one smart financial decision at a time.
- Start small, grow big – save as little as you can and watch it multiply.
- Access loans that support your business, studies, or emergencies.
- Join a supportive community of young aspirational business owners like you.
- Secure your future with opportunities to expand.
Your journey starts here. One step at a time, one saving at a time. Together, we rise.