Below are important details about Dhabiti Sacco:
Savings Products
Savings Account
Savings Account
- Free opening balance for members with a regular monthly pay
- Minimum operating balance of 500/=
- Adult or guardian.
Benefits
- Easy access to credit facility
- Access to ATM services worldwide in any bank using our VISA.
- Access to coop agency banking countrywide
Jaza Jaza Account
Jaza Jaza Account
- Free opening balance
- Deposits from 50/=
- Minimum operating balance of 100/=
Benefits
- High returns at the end of every six months
- Easy access to credit facility
- Guaranteed free financial advice 24/7
Toto Dhabiti
Toto Dhabiti
- Free opening balance
- Deposits from the pot every Saturday
Benefits
- Toto party /tour every year in December
- Free school fees Cheques on request
- High annual returns on savings
- Secured Toto pot for saving
Mbaine Account
Mbaine Account
- Free opening balance
- Minimum operating balance of Ksh500
Benefits
- Easy access to credit with miraa as security
- Attached to a specified staff for financial advisory service
- Availability of 24/7 advice by the contact person.
School Fees Account
School Fees Account
- Free opening balance
- Minimum deposits of 500
Benefits
- Free school fees Cheques on request
- Free financial advisory services
- Annual reward to the member with the highest use of the product
School /Colleges Saving Account
- Free opening balance
- Minimum operating balance of Ksh2,000
Benefits
- Free deposits by the students
- Easy access to statements for reconciliations
- 24/7 contact with our branch manager for advisory service
- Easy and fast access to funds either in cash or bankers cheque or direct transfer to an account of the customers’ request e.g. fast transfer of funds to KNEC account on request
Waumini Account
Waumini Account
- Free opening balance
- Deposits by the church
- Minimum operating balance of ksh1000/=
- Withdrawals by the church officials
Benefits
- Access to affordable credit facility when in need
- Easy access to the statement when need
- Guaranteed monthly statement
Business Account
Business Account
- Free opening balance
- Minimum operating balance of ksh1,000
Benefits
- Bankers cheques on request
- Access to biashara loan
Dhabiti Fixed Deposit Account
Dhabiti Fixed Deposit Account
- Amounts ranging from Ksh10,000 to infinity
- Period 3,6,9,12 and above
Benefits
- Easy to understand terms
- Negotiable yet competitive interest rates /returns
- Prompt payment on maturity or re- investment
- Free and friendly advisory financial services
- Easy access to credit
- Amount used as security
Bosa Loans
Short Term
- Biashara Loan
1 month, 3 months, 6 months and 9 months.
Long Term
- Biashara Loan –
12 months, 18 months, 24 months and 36 months.
- Group loan (12 months)
- Biashara Plus (60 months)
Fosa Loans
Short Term
- Crop advance
1month, 3 months, 6 months and 9 months.
- Salary advance
1month, 3 months, 6 months and 9 months.
Long Term
- Ukulima Loan
12 months, 18 months, 24 months and 36 months.
- Salary Loan
12 months, 18 months, 24 months and 36 months.
- Personal Loan
Tank loans
- Active savings account
Benefit
- Easy to access
- Affordable
- Friendly repayment
Medical loans
- Active saving account
- Letter/ invoice from the hospital
- Copy of the id card
Benefits
- friendly repayments
- Instant facility for amount less than Ksh30,000 if qualified
PikiPiki loan
- Active saving account
- Copy of business proposal
- At least 2 guarantors
- Guarantee of continuous deposits
Benefits
- Easy to access facility @75% of cost
- 24/7 guidance by the contact person on business management
Biashara, Personal /Group Loans
BIASHARA PLUS maximum 60 Months
- Active School/college saving account with the Sacco
- Institution registration certificate
- Introduction letter from institution
- Ownership documents for the plot where the college/school is built
Personal loans maximum 72 months
- Active savings account
- Copy of last three payslip
- At least three guarantors
- Attachment of the employee benefits to the Sacco
Group loan
- Active group saving active
- Individual saving account
- Minutes of the group on the approved members
- Copies of their id cards
Benefits
- Member co-guarantership
- Affordable rate
- Easy to process facility
- Existing business
Normal Loan
Normal loan 12,18,24,36 months
- Active savings account
- Copy of payslip, production card and Id card
- Security – Title Deed, Non-Withdrawable Deposits
Benefits
- Easy application and appraisal system
- Friendly repayments
- Affordable rate
- Self guarantor-ship for non withdrawal deposits
- Facility insured against death and total physical disability
Crop Advances
Crop Advances 1,3,6,9 months
- Active savings account
- Copy of previous month’s production / Payslip and ID card.
Benefits
- Instant facility for amounts less than Ksh50,000 – walk in without money and walk out with money
- No guarantor(s)
- Affordable rate
Salary Advances
Salary advances 1,3,6,9 months
- Active savings account
- Copy of previous month’s Payslip and ID card.
Benefits
- Instant facility for amounts less than Ksh50,000 – walk in without money and walk out with money
- No guarantor(s)
- Affordable rate
Business Account
Business Account
- Free opening balance
- Minimum operating balance of ksh1,000
Benefits
- Bankers cheques on request
- Access to biashara loan
Dhabiti Sacco Branches and contacts
BRANCHES NETWORK
- Maua Branch in Igembe South Constituency
- Mikinduri Branch in Tigania East Constituency
- Muthara Branch in Tigania East Constituency
- Kianjai Branch in Tigania West Constituency
- Laare Branch in Igembe North Constituency
- Athi Satellite in Igembe South Constituency
- Michimikuru Satellite in Tigania East
CONTACT DETAILS
Dhabiti Sacco Ltd
P.O Box 353-60600 -Maua Kenya
Dhabiti Building Along Maua-Mikinduri Route
Email: info@dhabitisacco.co.ke
Cellphone: 0701-911765
Services
- Atm Co-operative bank
- Mobile Banking Services (USSD code *879#)
- NHIF
- Agency Banking
- Co-operative bank
- KCB
- Equity
- M- pesa Agents
- Paybill – (524200)
- Personal Cheque Books.
Alternative Banking channels
1. Mobile Banking:
We are currently on two mobile banking platforms.
a) USSD *879# – Pesapepe.
This is our short code platform where registered members can:
•Balance Enquiry.
•Withdraw your money to M-pesa.
•Airtime Purchase.
•Lipa na M-pesa to Safaricom Paybill or Safaricom Till.
•Request Mini statement.
•Buy airtime
•Request for an instant mobile Loan (pepea Loan)
•Directly deposit from M-pesa.
b) Dhabiti Android App
Our mobile application is available on Google playstore. The app offers convenience banking 24hrs.
Using the Mobile Application, you can:
•Account Balance enquiry.
•Withdraw your money to M-pesa
•Airtime Purchase.
•Lipa na M-pesa to Safaricom Paybill or Safaricom Till.
•Directly deposit from M-pesa to Account.
•Lipa Na M-pesa to Safaricom Paybill or Safaricom Till.
•Request Mini statement.
•Request for an instant mobile Loan (pepea Loan).
•Transfer funds to any other Bank account.
Download our Dhabiti Sacco mobile application from play store or this link www.dhabitisacco.co.ke/downloads
Place this Member portal under Services
C. Dhabiti Sacco member portal :
Dear member,
Access your Account via our member portal : Click on this link http://www.memberportal.dhabitisacco.co.ke
Ø Enter Your National ID
Ø Enter your set PIN.
Ø Enter Security Code.
To reset your Pin,
Click on this Link:
http://www.memberportal.dhabitisacco.co.ke/account/forgotpassword
Enter your National ID
-A PIN will be sent to your Sacco registered mobile phone number.
Enter your National ID
Ø Enter the received NEW PIN on the portal
Ø Enter Security Code.
Ø Set a New PIN.
Who is eligible to be a Member?
Membership is open to all.
Who is eligible to access Dhabiti Sacco Facilities?
Members admitted in accordance with the membership policy of kshs.1,000 Sacco shares
When does a member become eligible for a loan?
A member becomes eligible after a minimum membership period of three months and on fulfilling all requirements of a specific loan product
How is a loan application made?
A loan application must be done in writing on prescribed forms which must be fully filled. The applicant must attach all relevant documents. Alteration will not be allowed. or can be countersigned.
Who decides on what interest to charge?
Interests on loans are reviewed from time to time by the BOD on recommendation of Management.
Can a member use dividends or interest rebates to clear loans?
Yes by communicating the same in writing.
What are the acceptable Securities for a loan?
1. Guarantors 2. Deposits in the Sacco 3. Collateral i.e. Logbooks and Title Deeds
Who is eligible to be a guarantor?
Any active member in good standing is allowed to be a guarantor provided that one has not over guaranteed. A guarantor must be willing and able to repay the loan guaranteed if the loanee fails to pay.
What is the role of a guarantor?
Guarantors are jointly and severally liable for the principal repayment and interest thereof in guaranteed loan in the event of the borrower’s default.
Can one clear a loan in full before the repayment period is over?
Yes, that it allowed and it does not attract any fees