Our Core Values
We believe in ethics and integrity
The values that define Ndege Chai Sacco
Integrity and honesty
As Ndege Chai Sacco we always operate ethically, act with professionalism and honesty, treat people with respect, fairness and dignity, and being open and transparent in decision making.
Creativity and Innovation
As Ndege Chai Sacco, we promote an innovative culture and attitude. We think differently to make a difference and strive to apply innovative thinking and creativity to everything we do. Creativity and Innovation is a key driver for our growth. We remain open to new ideas; look for ways to improve processes and seek creative solutions for our customers.
Excellence and Quality
As Ndege Chai Sacco, we value excellence in service provision, leadership, people development, managing long term relationship. Our strategies shall aim at continual improvements in our systems, products and services diversification, reliability, accessibility and affordability
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We have a variety of accounts to suit everyone's necessities
Our Loan Products
There is a loan product for everyone
This is a development loan product and the loan facility is meant to assist a member initiate and finance development projects.
This is a loan facility advanced to members who operate a dairy business or those who intend to do so.
This is a FOSA based loan facility advanced through M-Pesa service. To qualify for a loan, one must have been channeling salary through FOSA account for the past 3 months.
Boada Boda Loan
This facility targets Boda Boda operators and is payable within a period of 18 Months at 14% interest rate on reducing balance basis.
Salary Advance Loan
Salary advance is applied online via M-Ndege service. It is processed and paid within 3 minutes and attract an interest rate of 6.5% per month.
Seasonal Advance Loan
This is a facility advanced through FOSA. The applicant must attach a certified copy of the contract document as a proof of engagement indicating the remaining term.
Special Advance Loan
This is a product which facilitates the payment of salary advances when a member presents a postdated Cheque
The loan facility helps a member meet emergency situations that were un foreseen. Mostly called 'school fees' loan by our members.
This loan facility is like a top up that facilitates completion of an ongoing project/investment or can start a new project altogether.
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WHY join Ndege Chai Sacco?
Reasons to join Ndege Chai Sacco.
As always, partners grows with you!
The Sacco recognizes, upholds and esteems its members, peer Saccos, the government and regulatory agencies as well as all stakeholders by adhering to good corporate governance principles and practices, and guided by the Co-operative Principles namely:
Thus, the objects of the Society shall generally be in accordance with the Cooperative Values and Principles.
You Ask, We Answer
- A fully completed loan application form.
- Attach 3 most recent pay slips.
- A copy of an acceptable form of identification (National ID/Valid Passport).
- Guarantors should be active members and have contributed for at least three months. Guarantors and applicants shares MUST be equal to or more than the loan applied for.
- One must have been an active member for at least three consecutive months
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