Financial Products

Products & Services

From everyday savings accounts to tailored loan products, PEWOSA SACCO has a financial solution designed for your life and goals.

Savings Products Loan Products
Grow Your Money

Savings Products

Secure, flexible savings options designed to help you build a financial cushion and earn returns on your deposits.

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Member Savings Account

The core savings product for all SACCO members. Deposit regularly and earn dividends at the end of each financial year. This account is the foundation of your SACCO relationship.

  • Open to all registered members
  • Flexible deposit amounts
  • Annual dividend on savings balance
  • Forms the basis for loan eligibility
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Build Equity

Share Account

Purchase shares in the SACCO and become a true co-owner. Share capital contributes to the SACCO's ability to lend and grow, and entitles you to dividends and voting rights at the AGM.

  • Minimum share purchase at joining
  • Additional shares purchasable anytime
  • Dividend declared at AGM
  • Voting rights at Annual General Meeting
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For Groups

Group Savings Account

Designed for women's groups, youth clubs, community-based organisations, and informal savings groups. Pool resources together and access group-based financial services.

  • Open to registered groups and associations
  • Group-level dividend earnings
  • Groups can access group loans
  • Promotes collective financial discipline
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Ages 18 – 35

Youth Savings Account

Empowering the next generation with a savings product built around the financial realities of young people. Start small, build habits, and access youth-specific loan options over time.

  • Tailored for members aged 18–35
  • Low minimum deposit to get started
  • Pathway to Youth Loan eligibility
  • Financial literacy support available
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Access Credit

Loan Products

Flexible, affordable loans for every purpose — from business growth to personal needs. Eligibility is built through your savings history.

Employees

Salary Loan

Fast loans for salaried employees, repaid through regular salary deductions.

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Business

Business Loan

Capital for entrepreneurs and small business owners to grow their ventures.

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Farmers

Agriculture Loan

Financing for farmers covering inputs, equipment, and seasonal cash flow needs.

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Riders

Boda Boda Loan

Dedicated financing to help boda boda riders purchase or maintain their motorcycles.

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Emergency

Taaka Loan

Short-term emergency credit for members who need quick financial relief.

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Youth

Youth Loan

Empowering young members aged 18–35 to start businesses and invest in their futures.

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How Loan Eligibility Works

Your loan eligibility is primarily determined by your savings history and share contributions. The longer you save consistently, the more credit you can access. Members with regular monthly savings and a good repayment track record qualify for larger loan amounts. Contact us to discuss your specific situation.

Start Saving Today