Catalogue information

Group and cooperative loan

Explore credit for an eligible organised group or cooperative with clearly defined borrowers, authority and repayment responsibility.

Catalogue publication period: 2026-10-12T00:00:00.000Z / 2027-10-12T00:00:00.000Z

Catalogue available until: 2027-10-12T00:00:00.000Z

Interest, period and basis: Not specified in this catalogue. No rate or amount is assumed to be zero.

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Eligibility and documents

Who this is for: Eligible organised groups or cooperatives, with accepted governance, authority and repayment evidence.
Eligibility: Eligible organised groups or cooperatives, with accepted governance, authority and repayment evidence.
What to prepare: Group/entity evidence; resolution; member/signatory identities as needed; business cash flow; authority and guarantee documents; accepted security.

Product conditions

Available loan amount: Not specified in this catalogue. Ask the SACCO for the current written terms before deciding.
Repayment term and schedule: Not specified in this catalogue. Ask the SACCO for the current written terms before deciding.
Security and guarantor requirements: Not specified in this catalogue. Ask the SACCO for the current written terms before deciding.
Product information: An eligible group or cooperative may apply for finance for an agreed activity. Before applying, establish who borrows, who is responsible for repayment and what each member or guarantor is committing to. The institution will assess the activity, governance, income and required security. A collective application is not automatic approval. Every person taking on responsibility should understand the terms, including what happens if another participant does not pay.
Uses: Collective enterprise, approved production investment or coordinated business needs; individual consumption is not presumed covered.
Catalogue publication: The dates shown define the catalogue publication period. They do not establish the validity period of a financial rate, tariff or contract.
Does everyone guarantee the loan?: Only the approved agreement can establish that; disclose each person’s liability and consent.
Can group savings repay it automatically?: Not without the lawful, specifically disclosed authority and allocation rules.

Tariff and charges

Catalogue cost disclosure

Numeric charges are not specified in this catalogue; no zero-cost claim is made.

Charge scope: This catalogue does not state a complete charge schedule. An empty list does not mean there are no charges.
Tax treatment: The catalogue does not specify taxes applicable to charges.
Calculation and assumptions: The catalogue does not specify a calculation method or total repayment amount. It does not provide a loan offer.

Next step

Process: Agree the borrowing mandate; identify responsible borrowers and signatories; prepare the plan; lender assessment; disclosed decision and acceptance; disbursement; group reporting and repayment.
Next step: Agree the borrowing mandate; identify responsible borrowers and signatories; prepare the plan; lender assessment; disclosed decision and acceptance; disbursement; group reporting and repayment.

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