This is the banking Section of the society. The bank is opened from (8.00 am to 4.00 pm. Weekdays) & (8.15 am to 12.00 Noon on Saturdays). We provide the following products and services to our clients:

  • Savings Acccounts
  • Deposit Acccounts
  • Biashara Acccounts
  • Kilimo Acccounts
  • Giraffe Junior Savings Account
  • Hekima loans
  • Pumua loans
  • Fosa loans
  • M-Banking & MPESA Services
  • Salary, pension & other Advances.

The salary and pension advances are granted after 5 minutes of application. The department has introduced SMS alert on account Credits and Debits to improve on service delivery and ensure more security on members’ account. In addition to these is gurantorship alert and defaulters alert.
This Section is headed by operation manager.

  • Eligible to salaried/pensioned Fosa members who receive their salary through the fosa
  • Payment period of 12 months
  • Recovery through our FOSA
  • Processed within a day
  • Loan not based on number of shares
  • Recovery through our FOSA
  1. Must have an active account with the Fosa
  2. The account must be the members salary/pension paypoint
  3. Three current pay slips
  4. Clean credit records
  5. Repayment ability
  6. Three Fosa guarantors
  1. Processed within a day
  2. Payment period of 24 Months
  3. Eligible to salaried/pensioned Fosa members who receive their salary through our fosa
  4. Loan not based on number of shares
  5. Recovery through FOSA
  6. Maximum amount of up to Kshs. 200,000/=
  1. Active FOSA salary/pension account holder
  2. 3 current payslip
  3. Minimum of three guarantors (who are Salary/Pension Active Account holders)
  4.  Ability to repay back the loan
  5. Clean credit records
  • This loan has  a grace period of 6 months
  • Payment period of 12 months
  • Processed with a day
  • Loan not based on number of shares
  • Maximum amount Kshs. 30,000/=
  • Recovery is through our FOSA
  1. Active FOSA salary/pension account holder
  2. 3 current payslip
  3. Minimum of three guarantors (who are Salary/Pension Active Account holders)
  4. ability to repay back the loan
  5. clean credit records
  • Fosa loan shall be granted to all salaried fosa account holders
  • Fosa loan will be an instant loan
  • The repayment period is Eighteen (18) months
  • The maximum amount granted will base on available net salary.
  • Security for the loan will be salary, shares and guarantor’s shares and salary.

The salary and pension advances are granted after 5 minutes of application. The department has introduced SMS alert on account Credits and Debits to improve on service delivery and ensure more security on members’ account. In addition to these is gurantorship alert and defaulters alert. This Section is headed by operation manager.