Jiokoe Instant Loan
Ksh 1,000 – Ksh 10,000
A small, short-term loan for urgent daily needs.
About the Jiokoe Instant LoanSave regularly. Borrow wisely. Grow your business.
A savings and credit co-operative for small and micro business owners in Kenya — mama mboga, boda boda riders, restaurant owners, shopkeepers, farmers and groups.
Registered under the Co-operative Societies Act · Registered office in Kitale · Serving members across Kenya
What it costs to start
- Registration
- Ksh 400
- Founder shares
- 120 shares @ Ksh 100, first 12 months of membership
- Weekly saving
- Ksh 350+, Mon & Wed
How the Sacco works
Three habits, repeated every week. That is the whole system.
Join
Register with the Ksh 400 fee and a Ksh 100 passbook, then buy your founder shares — 120 shares at Ksh 100 each, within your first 12 months of membership. Shares make you a part-owner.
See the joining stepsSave
Save at least Ksh 350 every Monday and Wednesday, pay Ksh 250 towards shares every Friday, and Ksh 500 to the welfare fund each month.
How savings and shares workBorrow
After 4 consecutive months of saving, you can borrow for your business — from Ksh 1,000 to Ksh 1,000,000 depending on your record.
See the loan productsYour week with K.Nabot
The payment rhythm every member follows
Mon
Save
Ksh 350+
Ksh 350+
Tue
Wed
Save
Ksh 350+
Ksh 350+
Thu
Fri
Shares
Ksh 250
Ksh 250
Sat
Sun
5th
Welfare
Ksh 500
Ksh 500
- Savings, every Monday and Wednesday
- Founder shares, every Friday until complete
- Welfare fund, by the 5th of each month
Who can join
Membership is open to Kenyans aged 18 and over who run a small or micro business — alone or as a group.
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Mama mboga and market traders
Stock loans that match market days, and weekly savings that fit daily cash flow.
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Boda boda riders
Save towards repairs, insurance and — when you are ready — a bike of your own through asset financing.
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Restaurant and hotel owners
Equipment, furniture and stock loans sized for food businesses.
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Shopkeepers and traders
Keep the shelves stocked without borrowing from expensive informal lenders.
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Farmers
Seed, fertiliser and harvest-time finance for horticultural and mixed farmers.
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Groups
Self-help groups, women's and youth groups, CBOs and institutions can join and save together.
Loans for real businesses
Save first, then borrow. Your savings record — not a payslip — is what qualifies you.
Emergency Loan
Ksh 10,000 – Ksh 30,000
For urgent personal or business emergencies.
About the Emergency LoanSchool Fees Loan
Ksh 10,000 – Ksh 50,000
Spread school fees over the year instead of paying in one go.
About the School Fees LoanInuka Loan
Ksh 51,000 – Ksh 100,000
First step up: stock, equipment or a small expansion.
About the Inuka LoanWezesha Loan
Ksh 101,000 – Ksh 200,000
A bigger step for a business that is already moving.
About the Wezesha LoanBoresha Loan
Ksh 201,000 – Ksh 300,000
Improve or expand premises and operations.
About the Boresha LoanImarisha Loan
Ksh 301,000 – Ksh 500,000
Consolidate a strong business position.
About the Imarisha LoanAsset Financing Loan
Ksh 501,000 – Ksh 1,000,000
Finance a vehicle, machine or other income-earning asset.
About the Asset Financing LoanFind us near you
Offices and field officers in 11 towns — call or WhatsApp before visiting.
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Kitale
Trans Nzoia County — North Rift · Ambwere Plaza, 2nd Floor, Kitale Town
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Githurai 45
Nairobi / Kiambu · Covenant Plaza, Room 5B, Githurai 45
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Nakuru
Nakuru County · KFA Building, Nakuru Town
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Eldoret
Uasin Gishu County — North Rift
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Narok
Narok County
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Ngong
Kajiado County
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Kitengela
Kajiado County
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Mombasa
Mombasa County — Coast
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Kilifi
Kilifi County — Coast
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Embu
Embu County — Eastern
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Nyeri
Nyeri County — Central
Know your Sacco is real
K.Nabot SACCO is registered under the co-operative societies act. Before you pay anyone, ask to see the registration certificate — and only ever pay through the Paybill number shown here.
- One Paybill. Pay only through M-Pesa Paybill 309945. K.Nabot SACCO staff will never ask you to send money to a personal phone number.
- Written terms. Every fee, share and loan figure on this site comes from the Sacco's own documents.
- Plain-language rules. The Savings and Shares page explains the exit rules — 90 working days' notice, shares sold not refunded — before you join, not after.
Lipa na M-Pesa
Paybill 309945
Account: ID number#First name (e.g. 444445#Joseph)
Pay only through M-Pesa Paybill 309945. K.Nabot SACCO staff will never ask you to send money to a personal phone number.
Registered under the Co-operative Societies Act.
Common questions
Who can join K.Nabot SACCO?
Any Kenyan aged 18 or older who runs a small or micro business — for example a mama mboga stall, a boda boda, a restaurant, a shop or a farm. Registered groups such as self-help groups, women's groups, youth groups, CBOs and institutions can also join. This shared background is called the common bond, and it is what makes K.Nabot a co-operative rather than a bank.
How much does it cost to join?
Joining has three parts. A one-off registration fee of Ksh 400, a Ksh 100 passbook fee, and founder shares: 120 shares at Ksh 100 each, payable within the first 12 months of membership. Founder shares make you a part-owner of the Sacco — they are not a fee. Check the current figures with your field officer before paying.
What do I pay each week and month as a member?
Three regular payments keep your membership active: save at least Ksh 350 every Monday and Wednesday; pay Ksh 250 towards your founder shares every Friday until they are complete; and pay Ksh 500 to the welfare fund by the 5th of each month. The welfare fund supports members with hospital bills, weddings and similar events.
How do I send money to the Sacco?
Pay through Lipa na M-Pesa, Paybill 309945. For the account number, use ID number#First name (e.g. 444445#Joseph). Do not send money to a personal phone number — K.Nabot SACCO staff will never ask you to. Keep the M-Pesa message as your receipt.
Ready to start saving?
Takes two minutes to tell us where you are. A field officer calls you back.