Grow healthy for safe future. You may not afford expenses but you definately can afford savings.

• An ordinary resident in Kenya
• Should not be less than 18 years of age.
• Has not been convicted of a criminal offence involving fraud or dishonesty
• Is not a member of any similar savings and credit co-operatives Society during the tenure of his membership.
• Is within the field of membership of employees of Java House Group
• Is of good character.

• Java Sacco continues to lead the way in providing  innovative financial solutions while consistently demonstrating financial strength and stability. Our members can be confident their money is secure while experiencing an unparalleled commitment to service.

• A filled out application form
• Copy of your Identity Card
• A passport size photograph

• After downloading and filling out the form, attach the documents mentioned above and drop/send them to our office at ABC Place BLk C, 4th floor.

To qualify for a loan, you have to;

• Be a registered Java SACCO member
• Contribute regularly for at least 6 months
• Have guarantors who are Java SACCO members, who have been contributing regularly for at least 6 months and have shares that can meet the amounts you require them to guarantee.

• Fully completed loan application form.
• Guarantors’   shares MUST be equal to or more than the loan applied for.
• Member to attach certified pay slip or any other specified evidence of regular income
• Outstanding loan by the applicant MUST be cleared before a loan of the same kind is approved unless one is refinancing.
• Net pay after regular income less income the total deductions for a loan put together with other pay slip deductions should not fall below 1/3 of the basic salary.

• YES as long as it’s not the same product and lending conditions are met.

• You can borrow three times (3) the total amount held in deposit fro staff employed at Java group and one and half times (1.5) times for members not staff of Java Group.

• All our loans are processed and disbursed within 10 working days. Except for emergency loans.

• No interest or penalty is charged for clearing a loan earlier than the contracted period unless the loan is being cleared by third party who was not part of initial loan under agreement

• When a member you have guaranteed fails to service his / her loan, The SACCO will vigorously endeavor to pursue for three months. If the period lapses with no success of recovering the amount you will receive a letter from the SACCO and on the fourth month commence deductions from Guarantors in the proportions in which they guaranteed.

• YES and If you have an existing loan as long as your guarantors are in agreement.

The following are the steps to follow;

• A member needs to fill a withdrawal form. (Download here)
• A notice of sixty days (60) is required in case of any refunds due to the member.
• A member needs to inform all members he has guaranteed to seek an alternative guarantor.
• Refunds will only be paid to the member after all guarantors have been replaced.