
Loans
Jamii Bora offers several types of loans for micro-businesses, school fees, health and housing. By 30 November 2005, Jamii Bora Trust had given out more than 144,760 loans to its members and a total KES 1,197,543,780 out of which KES 824,278,875 had been fully repaid and KES 373,264,900 was the outstanding loan balance.
Micro Business Loans
Micro Business Loans are offered to all members that have saved some money with Jamii Bora for a minimum of six weeks. The loans can be between 100 and 60,000 KSh, but not more than twice the member’s savings. 10,000 KSh is the maximum first loan. The borrower pays 0.5% flat interest rate per week. The loan must be repaid within 50 weeks.
The borrower decides the number of weeks she wants to keep the loan and many borrowers choose to repay the loan in 3-5 months, some will clear their loans in just a few weeks. A borrower is free to repay the remaining loan balance at any time earlier than settled in the contract. Interest is charged only until the day the loan is fully paid.
Daraja Business Loans
A successful Micro Business borrower with a well performing business may require a larger capital. She can graduate to the Jamii Bora Daraja Business Loans programme after at least three Micro Business Loans with perfect repayment rate.
Daraja Business Loans are between 60,000 KSh and 700,000 KSh. Interest is paid with 0.5% per week on a declining loan balance. A Daraja Loan must be repaid within two years. Other conditions are as per Micro Business Loans.
School Fees Loans
After one successful business loan, members can borrow for their children’s School fees on the same conditions as Micro Business Loans. It is allowed to have a school fees loan at the same time as a business loan. The school fees loans help the parents to even out the payment of school fees over fifty weeks.
Housing Loans
A successful Micro business borrower (perfect repayment of at least three business loans) can borrow for Housing. The Housing Loans are normally paid on a monthly basis over a period of maximum ten years. We provide technical assessment and advice including technical drawings as required.


Savings Account
Jamii Bora Finance is the main programme of Jamii Bora Trust. Our members can open savings accounts with us and they can borrow twice as much as they have saved. By 30 November 2005, members’ net savings with Jamii Bora amounted to KES 355,107,780.
General Savings Accounts
All members should have a savings account with Jamii Bora. There is no minimum amount required. The main purpose of saving with Jamii Bora is to qualify for loans and other services of Jamii Bora. The savings can be withdrawn at any time if a member does not have a loan or has more savings than needed for the loan.
Special Savings Accounts
Members can also save for long-term purposes. Jamii Bora offers Children’s Education Accounts for parents who want to save for their children’s education. Savings in these accounts cannot be withdrawn until they mature.
Saving for Housing, for Retirement or other long term needs can be done in Jamii Bora Longer Term Savings Accounts. Savings in these accounts cannot be withdrawn until they mature. Withdrawal from these accounts shall be done at the time of maturity. Interest will not be paid on amounts that are withdrawn before the account matures.