At Dumisha sacco, We prioritize in offering the best complementary services to our clients. Our operations at the branches are harmonized through WAN which means deposits and withdrawals can be done in any branch successfully.



This is a new product that targets small business person’s needs in group and individuals.

  1. Group Requirement
  • Opening of the group accounts
  • Opening of individual account
  • Registered group or in the process of registering with the concerned Ministry
  • Be in a group of 10-15 members
  • Weekly or monthly savings for minimum period of 6 weeks
  • Should have existing business
  • Should be 18 years of age and above
  • The group should have a constitution.


  • Pamoja loan given to an individual member within the group
  • Grace period before the 1st loan repayment instalment of one month
  • Loan disbursement is within 24 hours
  • Promote individual savings
  1. Individual Requirement
  • Should be an account holder in FOSA for the last six months
  • Should have a saving with the M.S.P for 8 weeks
  • Should be a businessman/woman (Small Business- shops, livestock, agriculture etc)
  • Loan is given at three times members’ savings.