JAMII CO-OPERATIVE AND SAVINGS CREDIT SOCIETY P.O Box

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JAMII CO-OPERATIVE AND SAVINGS CREDIT SOCIETY

P.O Box 57929 -00200, Nairobi, Fax: 552523 Tel: (020)6552477, 6552448, Mobile: 0712-852762, 0724-179890, 0736-613863 Web: www.jamiisacco.com E-mail: Info@ jamiisacco.com

EDUCATION AND TRAINING TO DELEGATES : 02ND DECEMBER, 2020.

INTRODUCTION

One of the Co-operative principles is Education, Training and Information to members.

Jamii SACCO continues to develop capacity of its members through Education and Training and

Information sharing in order to keep them abreast of its operations and programmes. Over the years, the

SACCO Board organizes trainings for the benefit of all the members and potential members.

STRATEGIC MANAGEMENT PLAN (SMP) 2016-2020

The SACCO operations are guided by the Strategic Management Plan (SMP) 2016 – 2020. The development

of this strategic plan was through a participatory process that involved all stakeholders and guided by an

independent Consultant. The same will expire this year and the Sacco Board and management will develop

a new one to guide the Sacco in the next five (5) years.

Education and training is a key theme in the Strategic Plan and the Board lays a lot of emphasis on member

training.

The Vision, Mission and Core values are as follows:

VISION

To be the premier partner of choice in the provision of financial solutions.

MISSION

To provide credit, mobilize savings and innovative products and services to ensure optimum returns to

our members and stakeholders.

CORE VALUES: Integrity; Professionalism; Customer Focus; Teamwork; and Innovation and Creativity.

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1.0 THE SACCO STATUS REPORT.

The statistical information on SACCO growth for the period Years 2015 to 2019 was as follows (Figures in

Kshs)

Year, 2015 Year , 2016 Year ,2017 Year , 2018 Year,2019

Membership 16,527 17,489 19,123 20,964 22,495

Share capital 109,456,344 116,574,780 132,022,191 148,971,491 172,657,510

Deposits/Savi

ngs

1,837,812,556 2,202,861,345 2,496,606,477 2,797,055,960 3,165,565,540

Loan to

members

2,007,130,870 2,568,617,215 2,873,261,602 3,194,993,997 3,580,875,105

Gross Income 393,128,791 412,950,177 471,583,993 530,416,063 580,675,632

Dividend Rate 11% 11% 12% 12.5% 12.5%

Interest

Rebate

10.5% 10.5% 11% 11% 11%

The key pillars in the SMP 2016-2020 are as follows:

1. Financial Performance; Strategy to enhance revenue and control costs. 2. Member/Customer Service and Market Performance; Strategy to recruit and retain members 3. Focus and Improve on Processes, Systems and People; Strategy to improve the Sacco processes and

procedures. 4. Technology and Innovation; Strategies to enhance the efficiency and effectiveness of the Sacco

operations leveraging on Technology.

2.0 BACK OFFICE SERVICE ACTIVITY (BOSA) SAVINGS.

Back Office Services Activity (BOSA) enables a member to make deposits and access credit services. The

Savings and Deposit Accounts in BOSA include the following:

2.1 DEPOSITS.

Deposits are non- withdrawable savings but are refundable on exit. The minimum contribution is Kshs 2,000

per month or 10% of basic salary whichever is higher.

All members who have not attained the above minimum monthly contribution are encouraged to do so.

Those at minimum are also encouraged to contribute more.

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2.2 EDUCATION LOAN SCHEME (ELS).

This is special savings for members who may wish to access loans for education purposes. The same is

considered in multiples of 3 times the savings subject to ability to pay.

2.3 MICRO CREDIT SAVINGS.

This is a savings account for Small and Micro Enterprises. Members can access credit 3 times the savings

depending on the product. Micro-savings accounts are as follows:

Biashara Savings / Biashara Plus Savings – These are savings accounts available to all members

who operate businesses. Loans are considered in multiples of 3 subject to ability to pay and

acceptable security. Loan approval is based on graduated levels.

MICRO CREDIT GROUPS JOINING CONDITIONS:

The conditions for joining Micro Credit groups are as follows:

Minimum number of members in a group is five (5) for investment groups and ten (10) for Micro-

Credit groups (Self Help Groups).

Registration Certificate from relevant government agency/department.

Original and complete copy of the Groups Constitution (Memorandum) certified by Sub-County

Social Development Officer. (SCSDO).

Each official who is a signatory should submit a photocopy of the original Identity or a valid

Passport and one colored Passport size photo.

A letter from the Sub-County Social Development office introducing the authorized group.

The Group to open an Account with Jamii Sacco.

Minutes of the meeting where a resolution was passed to open an account with Jamii Sacco duly

certified by Sub-County Social Development Officer (SCSDO).

Minutes stating the terms and conditions of borrowing and withdrawing of group funds from the

SACCO.

List of all Group Members indicating their full names, Identity Cards numbers, personal cell phone

numbers and Specimen Signatures.

Payment of entrance fee of Ksh 300 per Member.

PIN Certificate and CRB reports for all group members.

2.4 ASSET FINANCING SAVINGS.

This is a special savings account for SACCO members who are interested to acquire assets such as Land,

Housing and Commercial Motor Vehicles. Credit is considered in multiples of 2.5, and 5 depending on the

product desired.

2.5 BENEFITS OF DEPOSITS/SAVINGS:

Ability to access loans in multiples of 3, 4, or 5 times on ones deposits.

Attractive returns on deposits/savings payable annually (Interest Rebates).

Accumulated funds are available for on-lending to members.

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3.0 FOSA SAVINGS.

Front Office Services Activity (FOSA) is a facility that offers basic banking services. The Jamii Savings

Accounts in FOSA include:

SAWA Account: This is a withdrawable savings account where salaries, refunds and loans

processed are credited into and from where members access the same. Members make monthly

savings to the same account.

Junior Savings: This is a savings account available to junior savers (Children below age 18 years

old).The recommended minimum monthly savings is Kshs 200/-.

Special Deposit Accounts (SDA): - This account gives a member an opportunity to save and earn

attractive high interest rates in 3 months, 6 months, 9 months or 12 months with minimum savings

of Kshs 20,000/-.

Golden Savings Accounts: Referred to as Retirement Savings, It attracts interest annually and can

be pledged as collateral to loans.

Holiday Savings Account: Open to members who would like to set aside some funds to be used

during Holidays or vacations of their choice.

NB: Please note that all the Savings accounts in this category earn weighted average interest annually.

4.0 SHARE CAPITAL

This is a unit of ownership of the SACCO. All members earn dividends on the same annually when

declared. The Share Capital is not withdrawable but can be sold and transferred to an existing member

upon exit from the SACCO. The minimum share capital is currently

Kshs 10,000/- or 500 shares of Kshs 20/- each.

Reasons why a member should have a Share Capital account:

To build a financial foundation to drive the SACCO business.

To meet the SASRA requirements cumulatively and collectively that is the Institutional Capital.

It is a Long term investment.

Member earns good dividends when declared annually.

Members who have not attained this new minimum threshold should strive to do so at the earliest

opportunity through any of the following means:

Mpesa PayBill.

Standing Order.

Cash Payment to the society bank Account or FOSA.

Check-off

Deduction from approved loans or any other payment to the member from the Sacco.

5.0 JAMII SACCO LOAN PRODUCTS.

The society has variety of loan (credit) services available to its members as follows:

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SHORT TERM LOANS

These are loans and advances available to members for emergency and short-term needs e.g Sudden

Hospitalization, School fees, Court fines etc.The Short term loans are repayable within 1 to 24 months.The

short term loans include:

A. JAMII SACCO MOBILE CASH LOAN

Purpose: To settle personal bills and utilities

The loan is applied for and granted through mobile phone and the terms and conditions are as follows:

Member must subscribe/register to the Sacco M-banking services (Fill M-Cash Form).

Minimum loan amount of Kshs 500 and a maximum of Kshs 30,000 (Dial *879 or *806).

The loan is payable up to three months.

Interest is charged upfront at a rate of 5%, 6% and 7% for One, Two and Three Months respectively

of the loan.

Members with debit (Negative) FOSA balance to contact the office for the money to be send after

the loan disbursement.

Repayment MUST be made within the stipulated period. Were members borrowing the M-Cash for

Two or three months, they should service the loan in installments of two and three months

respectively.

NB: A member can withdraw cash of Up to Kshs 70,000 by dialing *879 or *806 directly through the

Jamii Sacco App.

B. JAMII SACCO MSHAHARA LOAN

Purpose: To support the member to meet emergency needs.

The features of the loan are as follows:

Granted up to 90% of the past net salary.

Repayment period is one month.

Interest rate is 10% per up front.

It is available to the members whose salaries are paid through the Sacco FOSA.

No guarantor is required.

C. JAMII SACCO EMERGENCY LOAN

Purpose: To support the member to meet unforeseen/School fees needs.


Granted up to 3 times a member’s total deposits.

Repayment period is a maximum of 24 months.

Interest rate is 1.06% per month or 12.75% per annum on reducing balance.

It is available to all members.

Must be secured by guarantors and/or collaterals.

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D. JAMII SACCO INSTANT LOAN

Purpose: To support the newly employed members.




A maximum loan of up to Ksh 300,000.00



E. JAMII SACCO EDUCATION LOAN SCHEME (ELS)

Purpose: To support the member to meet School fees needs.


Granted up to 3 times a member’s total ELS savings.





F. JAMII SACCO BILA RIBA LOAN

Purpose: To support the member to meet Emergency and School fees needs.

The loan is granted to Muslim faith members and the features are as follows:

Granted within deposits.


Attracts appraisal fee of 1%.

No interest is charged.

Available to Muslim faith members only.

LONG TERM LOANS.

These are loans available to members to meet investment needs through wealth creation and build up.

Loan under this category have the repayment period of between 30-84 months. The loans in this category

include the following:

G. JAMII SACCO PROJECT LOAN

Purpose: To support members to complete ongoing projects and/or start new ones.

The loan features are as follows:

Loan granted four (4) times the deposits.

Maximum repayment period 30 months.

Interest rate 1.19% per month or 14.25% per annum on straight line.

Maximum loan of Kshs 1,000,000.

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It is available to payroll based members only.

Loan must be fully guaranteed.

Remittances from employer MUST be up to date.

It is available to members with existing long term loans or Top Up loans and performing.

Appraisal fee is 1.5% of the loan disbursed.

Loan recovery within 1/3 rule of the basic salary.

H. JAMII SACCO NORMAL LOAN

Purpose: To support members to complete ongoing projects and /or staff new ones.







I. JAMII SACCO JIINUE LOAN

Purpose: To support members to invest in projects with high capital outlay.

This is a Top-Up loan granted to members with existing Project and Normal loans and the features are as

follows:

Granted 5 times a member’s total deposits.



1.5% appraisal fee is applicable.

Maximum limit of Kshs 6,000,000.

It is available to check-off based members and pensioners.


J. JAMII SACCO MSTAAFU LOAN

Purpose: To support retirees to settle after retirement as they wait for the release of their pension dues. It is

also available to other retirees.


Granted within deposits.

The member MUST channel their monthly pension through FOSA.

A copy of the retirement letter and an official form electing the Jamii Sacco FOSA as the pension

pay point should be attached.

Maximum repayment period is 36 months.

Interest rate is 1% per month or 12% per annum on a reducing balance.

Ability is computed based on 1/3 rule on member’s net pension.

Loans must be fully guaranteed by Deposits or Golden savings account.

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JAMII SACCO MICRO CREDIT LOANS.

These are loans available to small and micro Entrepreneurs (SME’s) and Organized Community Groups

(CBO’S).There repayment period is upto 30 months.

K. JAMII SACCO CHAMA M-CASH LOAN

Purpose: To settle personal bills and utilities for group members.

The loan is applied for and granted through mobile phone and the terms and conditions are as follows:

Member must subscribe/register to the Sacco M-banking services (Fill M-Cash Form).

Minimum loan amount of Kshs 500 and a maximum of Kshs 5,000 (Dial *879 or *806).

The loan is payable up to three months.

Interest is charged upfront at a rate of 5%.

Members with debit (Negative) FOSA balance to contact the office for the money to be send after

the loan disbursement.

Repayment MUST be made within one month.

NB: A member can withdraw cash of Up to Kshs 70,000 by dialing *879 or *806 directly through the

Jamii Sacco App.

L. JAMII SACCO CHAMA EMERGENCY LOAN

Purpose: To support Group members to meet Emergency and School fees needs.

Granted two (2) times a member’s Micro Credit savings.

Granted up to a maximum of Kshs 50,000.

Interest rate of 15.5%pm or 1.29% pm on reducing balance.

2.5% appraisal fee.


Copies of Business documents such as certificate of registration, KRA PIN and business assessment

report/audited report must be provided.

M. JAMII SACCO BIASHARA LOAN

Purpose: To support Group members to invest in projects with high capital outlay

Granted three (3) times a member’s Micro Credit savings.

Granted up to a maximum of Kshs 3,000,000.

Interest rate of 15.5%pm or 1.29% pm on reducing balance.

2.5% appraisal fee is applicable.


Copies of Business documents such as certificate of registration, KRA PIN and business assessment

report/audited report must be provided.

Must be secured by guarantors or collaterals.

N. JAMII SACCO ASSET FINANCE LOANS.

Asset Finance is a facility available to all SACCO members who may desire to acquire, develop and own

assets/properties. The product is available to meet purchase of various assets as follows:

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i) Motorcycle, Water Tank, Posho Mill, Solar Panel, Water Pump and Generator among others: The terms and conditions are:

Must be a member of the SACCO for a minimum of 3 months.

Loan security is the Asset to be acquired.

Loan term is a maximum of 12 months.

Asset financed is 3.5 times of the Special Savings i.e. MUST have special savings.

Loan amount of up to - Kshs300,000 for motorbike, tuk tuk, posh mill, solar panel, generator etc.

Interest rate is1.125% PM or 13.5% PA on reducing balance.

Processing fee is 2% of the cost of the Asset.

Grace period is one month.

Repayment frequency is daily, weekly, fort nightly or monthly.

Collateral discharge process requires member to apply for release of security from the SACCO upon clearing the loan.

The Asset must be fully insured to the term of the loan.

ii) Motor Vehicles (Commercial Cars): Terms and conditions are:


Loan security is the Asset to be acquired.

Loan term is: Brand new Cars (1-7 Years)– 48 months Cars ( 8-10years) -24 months

Asset financed is 2.5 times of the Special savings(one must have special Savings)

Loan amount of Kshs 4,000,000 as maximum.

Interest rate of 1.125% PM or 13.5% PA on reducing balance.

Processing fee is 2% of the cost of Asset.

The motor vehicle shall be jointly owned with Jamii Sacco and comprehensively insured to term of the loan.

Repayment and collection will be done either through check off, standing order, paybill or cash.


Repayment frequency is daily, weekly, fort-nightly or monthly.


Valuation, tracking system and legal charge to be borne by the member.

iii) Mortgage (Land and Property): The terms and conditions are:


Loan term is maximum of 120 months.

Asset financed 5 times of Special savings.

Loan amount of up to a maximum of Kshs.10, 000,000.

Interest rate of 1.125% PM 13.5% PA on reducing balance.

Processing fee is 2% of the cost of the Asset.



Valuation and legal charge to be borne by the member.

Valuation and Charge to be conducted by SACCO appointed service providers.

O. INSURANCE LOAN (PREMIUM PRODUCT).

This is a short term loan product that finances full insurance premium cover for Motor Vehicles, Motor Cycles, Trucks, Plant and Equipment, Buildings etc. Members are expected to take comprehensive

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insurance cover with an identified insurance provider namely: Co-operative Insurance Company (CIC), Madison Insurance or Direct line who are in our panel depending on the type of cover or any other approved insurance underwriter.

The terms and conditions are as follows:

Facility available to members of Jamii SACCO and operating a FOSA accounts.

12 months repayment period.

Granted at 10% of member deposit.

Interest rate of 13.5% on reducing balance.

Granted based on the member’s ability to pay.

One month grace period.

6.0 GENERAL LOANING CONDITIONS.

A member must have contributed for at least 6 months to access all the loans except Asset Financing where a member is expected to contribute for at least three (3) consecutive months before being considered for a loan.

A member must attach all the necessary documentation including original pay slips, and copies of ID cards, and any other stated requirements.

A member must complete, sign and date the loan form.

All the guarantors must provide their details in the loan form.

Loan application forms must be endorsed by the delegates as applicable.

The SACCO conducts a confirmation search from CRB and any listed member cannot be considered for a loan. NB: Please check your CRB status through USSD code *433#

Loan processing for short term loans takes 24 hours while long term loans take 48 hours to 3 weeks for Asset Financing with all required documentations in place. Security options for acquiring a loan are collateral/Title Deeds for urban properties.

Loans are granted at 60% of the market value of the Motor Vehicle Log Books, which do not exceed 10 years old, and must be valued and charged.

Other securities include regular remittances e.g. monthly savings, pension remittance, SDA among others.

Repayment and collection will be made either through check off, standing order, paybill or cash

7.0 GUARANTORSHIP/COLLATERALS.

7.1 Gurantorship.

Members are allowed to guarantee up to a maximum of 20 long term loan applications. Members with

default history will not be allowed to guarantee new loans.

7.2 Other Acceptable collaterals.

Non withdrawable savings: Any non-withdrawable savings can be used as collaterals e.g Special

Deposit Account (SDA)/Golden Savings.

Land Titles: Valid Land titles for urban areas including Jamii Housing Co-operative Society titles.

Car log books: For vehicles not exceeding 10 years subject to valuation.

NOTE:

Land Share Certificates are not acceptable.

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Cost of valuation and charge to be borne by the member.

Car log books to be co-owned with the SACCO.

Land Titles to be charged and member to meet the legal charges.

8.0 Jamii Benevolent Fund (JBF)

This is a self insurance scheme that covers all loans in the SACCO except Micro Credit Finance loans which

are insured separately. Every member must contribute a minimum of Kshs.200 per month so as to be fully

covered. The purpose of JBF is:

To settle outstanding loans which are current in the event of a member’s death or Total Permanent

Disability (TPD) through loan insurance.

To pay final dues double the deposits to the named Next of Kin or Nominee.

To pay last burial expense of Kshs 40,000 in respect of the contributor or named Next of Kin.

The fund is re-insured with an underwriter (Insurance Company).

NOTE: Members are advised to regularly update their Next of Kin records.

8.1 Withdrawal from the JBF Scheme.

The JBF fund may be refunded to the members who have not claimed from the scheme on exit as follows:

0-3 Months Membership – NIL refund

3 Months – 3 Years Membership – 25% of the contributions

3 Years – 7 Years Membership – 50% of the contributions

7 Years and Above Membership – 75% of the contributions

NB: Note that 100% refund is not provided since contributions to the scheme are constantly applied as

expense as well.

8.2 NEXT OF KIN/NOMINEE.

A member is required to complete a Next of Kin Form giving details of the names, contacts and relationship

of the beneficiaries for both Burial Expense and final dues.

8.3 Claims Procedure for JBF

In the event of death, the following documents are required:

Fill in a request form for JBF payment.

Original and Copy of Burial permit to facilitate payment of burial or benevolent fund.

Original and Copy of Death certificate to facilitate payment of final dues.

For minors, the dues shall be paid when they attain the age of 18 years or channeled through the

Public Trustees as per existing Law.

For Total Permanent Disability (TPD) a member to submit a medical report from the Medical

Review Board.

NB: Members are advised to regularly update their Next of Kin.

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9.0 JAMII SACCO GROUP FUNERAL COVER SCHEME (Voluntary).

Purpose: To support the Sacco members and core/extended family members to access burial expenses in the event of death as follows:

Members to this scheme must complete a joining form and attach; National ID copy for all beneficiaries, Birth certificate for children below 18 years of age and passport size photo for all beneficiaries.

Contribution to this new scheme is Kshs. 2,040 per year.

Contribution to this scheme covers family members as follows:

Self (Member):Maximum age of 75 Years at entry and maximum coverage age is 85 Years

One Spouse: Maximum age of 75 Years at entry and maximum coverage age is 85 Years

Up to Four (4) Children: A maximum of 4 children at a minimum age of 1 month to a maximum age of 18 years. Children who are still students shall be covered up to the age of 24 years on proof of being students in college.

Parents and Parents in law: Both Parents and Parents in law are covered. Maximum entry age is 80 Years and maximum coverage age is 85 Years.

NB: A total of 10 family members to benefit and includes the member (Contributor).

Each of the above beneficiaries to benefit for burial expenses of ksh.50, 000 per death case.

Waiting period to benefit is three (3) months for natural death and no waiting period for accidental

death on the first (1st ) joining and not on subsequent renewals. A maximum of three nominees among the ones mentioned above to qualify and benefit per year.

Any extra Spouse and /or Children above 25 years of age to join Jamii Sacco and contribute independently so as to benefit as principal plus other nominated members.

NB: No refund in the event of No claims at the end of the year.

10.0 JAMII SACCO SERVICES

10.1 TECHONOLOGY BASED SERVICES

The following technology based services are provided by the SACCO:-

10.1.1 M PESA Service.

This is a money transfer service from SACCO to members using mobile phones. The members can also

make deposits and loan repayments through M-PESA Pay Bill Number 532200.Codes are provided for each

account in the Sacco website.

10.1.2 ATM Services

This is a facility that allows members to access funds from their FOSA savings accounts using Co-op bank

Sacco link card from Co-operative Bank. Cash can be accessed from any Co-op Bank Cash point or any

other VISA branded ATM. The following applies:

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Members can withdraw up to Kshs 40,000 from Co-op Bank ATM cash point with minimal charges

of Ksh 30 per day.

Withdrawal from any other Visa Branded ATM cost may vary from one Bank to another and the

average charges is currently Kshs 200 per transaction.

The SACCO link card is also used to pay for utility services in some stores eg Petrol Stations,

Supermarkets and hospitals e.t.c.

With the same card members can withdraw up to Kshs 300,000 from any CO-OP Bank branch at a

cost of Kshs 100 per transaction through Point of Sale (POS) over the counter.

NB: Members MUST request the office to activate the ATM card once they receive it together with the ATM

PIN number.ATM have expiry dates and stand replaced and ready for collection from the office once

expired.

10.1.3 Real Time Gross Settlement (RTGS)/ Electronic Funds transfer (EFT)

This is a service available in the SACCO for transfer of funds to members’ accounts in other financial

institutions as a member may so wish and direct.

10.1.4 Loan Clearance Facility.

Members are reminded that the SACCO has a facility to clear outstanding loans except Biashara/Biashara

loans and Asset Finance Loans. All loans are cleared by the SACCO including Development/Normal loans,

other SACCOs and Bank loans as follows:

Short term loans at 8% recoverable up-front,

Long term loans also at 8% recoverable upfront, and

Development loans at 10% to take same type of loan.

Clearance of other Bank and SACCO loans is 1%.

10.1.5 Sale of Bankers Cheques.

On behalf of Co-operative Bank, the SACCO sells bankers cheques to members at a cost of Kshs 100 per leaf. Currently, the bankers’ cheques are available for a maximum value of Kshs 500,000 per leaf. 11.0 NEW DEVELOPMENT-MIS SYSTEM

11.1 NEW- MIS SYSTEM

The Sacco procured a new Integrated Management Information System with Core banking module, E-

Channels and Enterprise Resource Program (ERP).The system has variety of features that will support the

operations of the Sacco and introduction of variety products and services.

11.2 LOAN SEGMENTATION

The regulator SASRA has introduced a new requirement of loan sector reporting. A member is required to

indicate the purpose for every loan applied. This is to ensure members are able to attain their short and

long term goals. The Sacco will provide to the regulator quarterly reports for the segmentation.

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12.0 CHALLENGES AND WAY FORWARD:

The Sacco is still faced with several challenges that include the following among others:

Membership: Our membership is aging hence the need to recruit more members. Retiring members are encouraged to retain their membership since the Sacco will continue to provide services to them. We encourage all members to at least recruit one member annually among colleagues, friends and family members among other categories.

Liquidity: The demand for loans still exceeds supply. Members are encouraged to voluntarily build their deposits in order to grow their savings.

Share Capital: Growth of share capital in the Sacco is marginal hence the need to grow it. During the AGM held in year, 2019, a resolution was passed to increase the share capital to a minimum of Kshs 10,000 for all members. Records show that some members have share capital below the stated new minimum and we appeal to them to update their shares to the new minimum by 31st/12/2020.

Customer Care & Customer Service: The Sacco continues improve on customer care and customer service to its members in order to effectively and efficiently serve you.

Delinquency Cases: The Sacco has recorded a few cases of delinquent loans and guarantors have been attached. Where collaterals have been pledged as security, Debt Collectors and Auctioneers are collecting.

Technology: Members need to embrace technology for efficient and effective Sacco service delivery.

13.0 JAMII SACCO DEPARTMENTS MOBILE TELEPHONE CONTACTS.

We wish to inform you that the Sacco has introduced one common line 020-7903200 for easy

communication. Other Departmental mobile numbers are as provided in the following table:

Departments Mobile Numbers

General Lines 020-7903200,0712-852762/0715-961545

Marketing Department 0704-914143/0718-006820/0795-059471

Loans Department 0705-413446

Registry Department 0704-282099

IT Department 0704-911087

FOSA Department 0714-988982

Audit Department 0712-042954

Risk Department 0722-254747

Micro- Credit Department 0712-788235

Jamii Housing 0707-455647

Accounts Department 0712-788251

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Procurement Department 020-2633331

Prepared By:

MR. J.MENGICH

SECRETARY, EDUCATION COMMITTEE

JAMII SACCO SOCIETY LIMITED

FOR: BOARD OF DIRECTORS

Documents

JAMII CO-OPERATIVE AND SAVINGS CREDIT SOCIETY P.O Box