Category: Uncategorized

 

Winfred Ndote, a member of Kimisitu DT Sacco since April 2022, is celebrating three years of growth and transformation both personally and in business. Speaking about her journey, Winfred described joining Kimisitu DT Sacco as one of the best decisions she ever made, noting that Kimisitu DT Sacco has played a key role in expanding her furniture production business.

 

“In my first year, after saving consistently, I qualified for a loan which I was able to self-guarantee,” she shared. “At first, I honestly doubted it and even thought it might be a scam. But I applied through the mobile app, and to my surprise, it was approved and disbursed seamlessly.”

 

Winfred says what stood out most about our loan products was its simplicity and speed. With just a tap on the app, she was able to access funds when needed, with the money deposited directly into her FOSA account. In her second year as a member, she took another step to secure a development loan, which she says significantly boosted her business growth.

 

She managed to finance her furniture business, known as Grand Mark Furniture, which manufactures a wide range of products, including sofa sets, dining sets, beds, coffee tables, and more. The business has expanded steadily and has two branches. One is in Nairobi, Utawala, along the bypass at Heritage Plaza, and another in Kisii Town, opposite Quickmart Supermarket.

 

She first learned about Kimisitu DT Sacco through her sister, who worked with IOM. She was inspired by how easily she accessed loans and the positive experiences she shared about the Sacco. “At the time, Kimisitu DT Sacco was only recruiting members from NGOs and international organizations, so I couldn’t join immediately,” she explained. “But once membership was open to everyone, I joined right away.”

 

Today, Winfred says she is proud to be a member and believes her future is bright. She also encouraged people who are not part of any Sacco to consider joining Kimisitu DT Sacco. “Kimisitu always comes through in time of need,” she said. “The staff have been incredibly helpful throughout my journey, and honestly, I have no complaints.”

Everyone dreams of a perfect holiday whether it is relaxing on a sandy beach, sightseeing in a new city, or reuniting with family in the rural areas. The challenge is, most of the time, it is difficult to make this dream come true without breaking the bank. The good news is Kimisitu DT Sacco has made planning for your vacation easy, with no pressure.

Plan Early, Save Smart

Planning ahead is the key to having a stress-free travel. Begin with a goal in mind: Where do you want to go? How much will it cost? After knowing the amount, then divide it to smaller manageable savings goals. In order to illustrate this point, assume that your dream trip will cost Ksh. 60,000 and you have a time of 12 months to save; then, you will only need to save Ksh. 5,000 a month.

Automate Your Savings and be Consistent

Automating your savings is the sure way to save.  This ensures that part of your earnings are saved in your holiday savings account even before you consider spending it. Treat your savings like a bill to pay, and it will have you disciplined so that you are not lost along the way.

Earn While You Save

Why let your money sit idle when it can grow? With Kimisitu DT Sacco Holiday Savings Account, you can save towards your dream vacation and at the same time earn good interest on your saving. This ensures a bonus to your Savings plan.

Enjoy the Rewards of Patience

When the time comes, you will be able to enjoy your holiday guilt-free since you will not feel the necessity of having to borrow or disrupt your finances. Each shilling that you deposit in Kimisitu DT Sacco holiday savings account is an investment in the memories you will make tomorrow. Plan, save regularly and have your dream getaway cease being a dream on your vision board.

How do I open a Holiday Savings Account with Kimisitu?

• You must be a member of Kimisitu to hold a Holiday Savings account
• Download the Holiday Savings Account opening form from our website: www.kimiitusacco.or.ke and fill.
• Email the filled form to customercare@kimisitusacco.or.ke.
• Receive your account details within 1 working day and start saving!

Everyone dreams of a perfect holiday whether it is relaxing on a sandy beach, sightseeing in a new city, or reuniting with family in the rural areas. The challenge is, most of the time, it is difficult to make this dream come true without breaking the bank. The good news is Kimisitu DT Sacco has made planning for your vacation easy, with no pressure.

Plan Early, Save Smart

Planning ahead is the key to having a stress-free travel. Begin with a goal in mind: Where do you want to go? How much will it cost? After knowing the amount, then divide it to smaller manageable savings goals. In order to illustrate this point, assume that your dream trip will cost Ksh. 60,000 and you have a time of 12 months to save; then, you will only need to save Ksh. 5,000 a month.

Automate Your Savings and be Consistent

Automating your savings is the sure way to save.  This ensures that part of your earnings are saved in your holiday savings account even before you consider spending it. Treat your savings like a bill to pay, and it will have you disciplined so that you are not lost along the way.

Earn While You Save

Why let your money sit idle when it can grow? With Kimisitu DT Sacco Holiday Savings Account, you can save towards your dream vacation and at the same time earn good interest on your saving. This ensures a bonus to your Savings plan.

Enjoy the Rewards of Patience

When the time comes, you will be able to enjoy your holiday guilt-free since you will not feel the necessity of having to borrow or disrupt your finances. Each shilling that you deposit in Kimisitu DT Sacco holiday savings account is an investment in the memories you will make tomorrow. Plan, save regularly and have your dream getaway cease being a dream on your vision board.

How do I open a Holiday Savings Account with Kimisitu?

• You must be a member of Kimisitu to hold a Holiday Savings account
• Download the Holiday Savings Account opening form from our website: kimiitusacco.or.ke and fill.
• Email the filled form to customercare@kimisitusacco.or.ke.
• Receive your account details within 1 working day and start saving!

 

 

 

 

 

Everyone dreams of a perfect holiday whether it is relaxing on a sandy beach, sightseeing in a new city, or reuniting with family in the rural areas. The challenge is, most of the time, it is difficult to make this dream come true without breaking the bank. The good news is Kimisitu DT Sacco has made planning for your vacation easy, with no pressure.

Plan Early, Save Smart

Planning ahead is the key to having a stress-free travel. Begin with a goal in mind: Where do you want to go? How much will it cost? After knowing the amount, then divide it to smaller manageable savings goals. In order to illustrate this point, assume that your dream trip will cost Ksh. 60,000 and you have a time of 12 months to save; then, you will only need to save Ksh. 5,000 a month.

Automate Your Savings and be Consistent

Automating your savings is the sure way to save.  This ensures that part of your earnings are saved in your holiday savings account even before you consider spending it. Treat your savings like a bill to pay, and it will have you disciplined so that you are not lost along the way.

Earn While You Save

Why let your money sit idle when it can grow? With Kimisitu DT Sacco Holiday Savings Account, you can save towards your dream vacation and at the same time earn good interest on your saving. This ensures a bonus to your Savings plan.

Enjoy the Rewards of Patience

When the time comes, you will be able to enjoy your holiday guilt-free since you will not feel the necessity of having to borrow or disrupt your finances. Each shilling that you deposit in Kimisitu DT Sacco holiday savings account is an investment in the memories you will make tomorrow. Plan, save regularly and have your dream getaway cease being a dream on your vision board.

How do I open a Holiday Savings Account with Kimisitu?

• You must be a member of Kimisitu to hold a Holiday Savings account
• Download the Holiday Savings Account opening form from our website: kimiitusacco.or.ke and fill.
• Email the filled form to customercare@kimisitusacco.or.ke.
• Receive your account details within 1 working day and start saving!

 

 

 

At Kimisitu DT Sacco, members contribute through Share Capital and Deposits. These two contributions are the backbone of the Sacco, but they serve different purposes. Understanding how they work will help you get the most from your membership.

What is Share Capital?

Share Capital represents your ownership in Kimisitu DT Sacco. When you join, you become a co-owner by purchasing shares. This gives you:

• Voting rights during the Annual General Meeting (AGM).
• Dividends when the Sacco performs well.
• A permanent stake, since Share Capital is non-withdrawable while you remain a member.

By 2025, the minimum share capital requirement is Kshs 30,000, with a one-time joining fee of Kshs 1,000.

What are Deposits?

Deposits are your savings contributions made every month as part of your membership. They are more flexible and directly tied to your financial benefits:

• Act as loan security and determine how much you can borrow.
• Earn interest every year, based on Sacco performance.
• Refundable when you exit the Sacco, provided all loans are cleared.
• The minimum monthly deposit contribution is Kshs 3,000.

Why Both Matter?

Share Capital secures your stake as a co-owner of Kimisitu Sacco.

Deposits grow your savings and give you access to loans.

Together, they build both your financial strength and Sacco’s stability

At Kimisitu DT Sacco, your contributions are more than just savings they are a pathway to ownership, growth, and financial empowerment