GBHL_Sacco

Educational Loans

Envision a future where education knows no boundaries.
Our tailored educational loans empower you to invest in your academic journey, whether it's higher education, skill enhancement, or professional development.

Share Capital Investment

Embrace the opportunity to be a stakeholder in your financial success.
With our share capital investment, you not only become a valued member of our SACCO but also a participant in our collective growth. As you invest in shares, you're investing in your own future. Watch your savings grow as we work together to achieve financial milestones.
Plus, enjoy the added benefit of earning dividends – your share of our shared success.

Instant Mobile Loans

Access hassle-free loans right from your smartphone anytime, anywhere.
Experience the future of lending with our SACCO's mobile loan solutions.

The Smart Saver

Our SACCO's savings solutions are your passport to financial empowerment.
With tailored savings plans, competitive interest rates, and a community of like-minded savers, we're here to nurture your financial growth.
Your journey towards a brighter financial future starts here!".

Our Ethos

Vision

To provide financial needs to its members at affordable and attractive rates

Mission

To be an attractive financial lending institution with the aim of empowering its members living standards.

Core Values

We firmly believe in upholding corporate values as the central guiding principles that form the bedrock of our business conduct. These values are the cornerstone of our culture and serve as compass points to steer our behavior. They define what we stand for, what motivates us, and what influences our decisions, actions, and interactions with others on a daily basis. Our chosen core values reflect our unwavering commitment to integrity, purpose, and building meaningful relationships with all those we engage with.

Efficiency: - We prioritize streamlined operations, smart decision-making, and continuous improvement to deliver high-quality services to our members and stakeholders.Our commitment is aimed at optimizing our resources and processes to achieve maximum output with minimal waste
Customer satisfaction: - Our unwavering commitment is to ensure that our members and stakeholders' needs and expectations are met and exceeded. We aim to build strong and lasting relationships, foster trust, and create a positive and rewarding experience for everyone we serve.
Adherence to Ethical practices, integrity, transparency, a listening & caring partner : - We strongly uphold the importance of adhering to ethical practices, promoting integrity, transparency, and being an attentive and compassionate partner.

Our Products

At Grainbulk sacco , we take pride in offering you two essential products that form the foundation of your financial success - Credit and Savings. Whether you're striving to manage your expenses efficiently or looking to secure a stable and prosperous future, our comprehensive range of Credit and Savings solutions is here to support you every step of the way.

Credit Products

Welcome to the diverse world of credit solutions at our SACCO. We take pride in presenting a wide array of credit products meticulously designed to cater to your specific financial requirements.

Development Loans

This is a loan product for investment, development or improve projects.

Features

Maximum repayment period of 72 months
Maximum loan of up to 3 times members deposit
Security is deposits & guarantors.

Emergency Loans

Emergencies e.g hospitalization,funeral expenses & other unforeseen circumstances.

Features

Maximum repayment period is 12 months.
Loan of up to 100,000/=

Educational Loans

This serves members need to persue education.

Features

Maximum repayment period of up to 15 months.
Loan of up to 200,000/=
Attach a fee structure of the school, college etc.

Item Loan

This is for purchasing products eg tanks,building materials etc

Features

Maximum repayment period of upto 36 months
Maximum loan of up to 3 times your saving
Attach an invoice/quotation of the item you want to buy, for direct payment to that specific company

Instant Loan

...

Features

Maximum loan of up to 10,000/=
Repayment period of up to 2 months
Interest is 10% on the principal amount.

SACCO M-LOAN

M- loan is a mobile banking service that rides on the M-Pesa platform To access Sacco M-LOAN services, Dial *377*488#

Features

Maximum limit of 20,000/=
Interest rate of 6%
Payment period 30 days
Default period after 30 days.

Savings Products

Welcome to the realm of financial empowerment with our SACCO's Savings Solutions. We are thrilled to introduce a comprehensive range of savings products crafted to suit your unique financial needs.

Share Capital

This is a shareholding that every member MUST hold in the Sacco.

Minimum is Ksh 7500
It earns dividends
Can be used as a security against a loan.
Upon termination, It can only be transferred to another existing member as per Grainbulk Non-WDT Sacco laws.

Member Deposits

These are monthly non-withdrawable savings that members make to the sacco through their membership.

Minimum amount is 2000/=
Earns interest

FAQs

Have questions?

Select Paybill from Mpesa Menu
Enter Business No. 4023329
Enter Account No. 63649
Enter Amount
Enter 4-digit Pin and confirm details

The family should provide a death certificate and they shall be paid 20,000/=

Yes, according to the Grainbulk Non-WDT Sacco laws, upon termination, your membership can only be transferred to another existing member.
This ensures the continuity of membership within the Sacco.

This is a mobile banking service that rides on the M-Pesa platform.
To access Sacco M-LOAN services, Dial *377*488#

The minimum amount required for these savings is 2000/=, as determined by the Sacco.
Members are encouraged to contribute at least this minimum amount to participate in the savings program.

Yes, there is a non-refundable registration fee of 1000/= that is required when applying for membership.
This fee helps cover administrative and processing costs associated with your membership registration.

You can obtain the Sacco membership form from the Sacco's office or through their official website.
The form is usually available for download(Sacco Joining Form) or can be collected in person.

Educational Loans

Share Capital Investment

Instant Mobile Loans

The Smart Saver

About Sacco