Welcome to the new KISE SACCO member portal
Check balances, deposit with M-Pesa, apply for loans and download statements from your phone — protected by bank-grade security. Here is how to get started.
Read articleNew Save, borrow and deposit from your phone
Your money, growing with people who share your purpose
KISE SACCO helps its members save consistently, borrow affordably and plan for every season of life — with a portal you can use from any phone, any time.
Member-ownedOne member, one vote
Bank-grade security2FA & encryption
M-Pesa readyDeposit in seconds
8 waysto save — from everyday savings to fixed deposits
8 loansfor emergencies, school fees, homes and business
From 12%per annum on reducing-balance loans
24 / 7portal access with instant M-Pesa deposits
Why KISE SACCO
Built for the way the KISE community saves and grows
A co-operative is different from a bank: you are an owner, not a customer. That changes everything about how your money is treated.
01
You own it
Every member holds share capital, votes at the AGM and shares in the surplus through dividends.
02
Fair, transparent credit
Clear rates and charges shown before you apply. Borrow against your deposits, guaranteed by fellow members.
03
Your SACCO in your pocket
Check balances, request withdrawals, apply for loans and download statements from any phone.
04
Protected like a bank
Two-factor sign-in, encrypted connections, instant alerts and a tamper-proof audit trail.
Products
Save with purpose. Borrow with confidence
Every product is designed around real milestones — school terms, emergencies, a first home, retirement.
Ordinary Savings
Everyday savings you can withdraw any time. Interest paid annually.
5%interest p.a.
KSh 100minimum deposit
BOSA Deposits
Non-withdrawable deposits that build your loan entitlement and earn interest on deposits.
7.5%interest p.a.
KSh 500minimum deposit
Share Capital
Your ownership stake in the SACCO. Earns dividends and is refundable only on exit.
Dividendsearnings
KSh 500minimum deposit
Top rate
Fixed Deposit
Lock a lump sum for 3–24 months at a premium rate.
10%interest p.a.
KSh 10Kminimum deposit
Education Fund
Targeted savings for school fees, withdrawable at the start of each term.
6%interest p.a.
KSh 500minimum deposit
Holiday Savings
Lock away funds for December. Withdrawals need 30 days notice.
4%interest p.a.
KSh 200minimum deposit
Welfare Fund
Benevolent fund covering bereavement and emergency assistance for members.
—earnings
KSh 200minimum deposit
Junior Saver
For members under 18, operated by a parent or guardian.
6.5%interest p.a.
KSh 100minimum deposit
M-Pesa Instant Loan
Borrow instantly from your phone and receive it on M-Pesa in minutes.
7.5% p.m.flat rate
KSh 30Kup to, over 1–3 mo
Salary Advance
Bridge to payday. Cleared in full from your next salary, no guarantors needed.
10% p.m.flat rate
KSh 100Kup to, over 1–3 mo
Emergency Loan
Same-day relief for medical bills, funerals and urgent needs. Approved within 24 hours.
12% p.a.reducing balance
KSh 150Kup to, over 1–12 mo
School Fees Loan
Termly school fees paid directly or to you, repayable over the term.
12% p.a.flat rate
KSh 500Kup to, over 1–12 mo
Biashara Loan
Working capital and stock financing for traders and small businesses.
18% p.a.reducing balance
KSh 1.5Mup to, over 3–36 mo
Development Loan
Our flagship long-term loan for land, construction and major projects. Up to 3× your deposits.
14% p.a.reducing balance
KSh 3Mup to, over 6–48 mo
Refinance / Top-up
Consolidate or top up a performing loan without starting the wait again.
13% p.a.reducing balance
KSh 2Mup to, over 6–36 mo
Asset Financing
Vehicles, machinery and equipment, secured by the asset itself plus a logbook charge.
15% p.a.reducing balance
KSh 5Mup to, over 12–60 mo
Getting started
From application to your first loan in four steps
1
Apply online
Fill in the membership form with your ID, contacts and next of kin. It takes about ten minutes.
2
Get approved
Our team verifies your details. You receive your member number by SMS once approved.
3
Save consistently
Build share capital and monthly deposits by M-Pesa, check-off or at the office.
4
Borrow and grow
Apply for a loan up to 4× your deposits, straight from the member portal.
Loan calculator
Know your instalment before you apply.
Uses the same rates, terms and charges as the member portal. Move the sliders to see the numbers change.
of your deposits
guarantors
membership first
Estimated instalment
Apply in the member portal
·
Total interest
Total repayable
Processing & insurance
You receive
Estimates only. Your final offer depends on your deposits, repayment capacity, guarantors and credit committee approval.
The member portal
Everything you need, wherever you are
Install the KISE SACCO app on your phone straight from the sign-in page — no app store needed — and manage your membership in a few taps.
- Live balances and statements for savings, shares, welfare and loans.
- Deposit with M-Pesa — approve the prompt on your phone and it posts instantly.
- Apply for loans and invite guarantors, then track every approval step.
- Security you can see: sign-in alerts, active device list and two-factor authentication.
Trust & governance
Your money deserves serious protection.
Good governance and modern security work together, so every shilling is accounted for.
Democratic governance
Members elect the board at the Annual General Meeting. Financial statements are presented to members every year.
Double-entry accounting
Every deposit, loan and fee posts a balanced ledger entry automatically — the books cannot silently drift.
Two-factor authentication
Staff must confirm every sign-in with an authenticator app; members can switch it on in one minute.
Tamper-evident audit trail
Each action is sealed with a cryptographic hash of the one before it, so history cannot be quietly rewritten.
Separation of duties
The officer who approves a loan cannot disburse it, and nobody can approve their own expense.
Your data, protected
Handled in line with the Kenya Data Protection Act, 2019. KYC documents are never publicly accessible.
Insights
All articles
Smarter money habits, explained simply
How a SACCO works: your money, your co-operative
A SACCO is not a bank — it is owned by the people who save in it. Understand shares, deposits, dividends and your vote, and why it matters.
Read article
Flat rate vs reducing balance: why the interest method matters
Two loans can both say “12%” and cost very different amounts. A worked example shows how much the interest method changes what you repay.
Read article
Questions
Frequently asked
Who can join KISE SACCO?
Membership is open to people who meet the qualifications in the SACCO by-laws. Apply online and our team will confirm your eligibility during verification.
How much do I need to start?
You pay a one-off registration fee of KSh 1K, build share capital to at least KSh 5K and save a minimum of KSh 2K every month.
How much can I borrow?
Most loans let you borrow a multiple of your deposits (up to 4× for some products), subject to your ability to repay and to guarantors covering the amount above your own deposits.
How do I deposit using M-Pesa?
Sign in to the member portal and choose “Deposit via M-Pesa” — you will receive a prompt on your phone to enter your M-Pesa PIN. You can also pay to the SACCO paybill using your member number as the account number.
Is my money and information safe?
The portal uses encrypted connections, two-factor authentication, automatic sign-out and instant alerts. Our staff will never ask for your password, PIN or verification code.
Can I leave the SACCO?
Yes. Give written notice and your deposits are refunded as set out in the by-laws, once any loans and guarantees are settled. Share capital is handled as the by-laws provide — usually by transfer to another member.