Empowering Chamas & Groups across Kenya with trusted Sacco services — savings, loans, and financial growth for every member.
From individual savings and loans, JIPP provides a complete financial ecosystem for Chamas and individuals in Kenya.
Open personal or group savings accounts with competitive interest rates. Watch your money grow securely while accessing it when you need it most.
Access affordable loans for business, emergency, school fees, or development. Quick processing with flexible repayment terms tailored to you.
Dedicated group financial management for your Chama. We handle group savings, bulk loans, and transparent record-keeping for every member.
Community-First
Financial Services
JIPP was founded with one mission — to make financial services accessible, transparent, and empowering for every Chama and individual in Kenya.
JIPP is a fully registered Sacco operating under Kenya's Sacco Societies Regulatory Authority (SASRA).
We understand urgency. Most loans are processed and disbursed within 48 hours of application.
Annual dividends on shares and competitive interest on savings — your money works for you.
Our offices are in Nairobi, Naivasha and Nakuru — walk in, call, or WhatsApp. We speak your language.
Estimate your monthly repayments in seconds.
* Indicative rates. Final terms subject to assessment.
Everything you need to know about JIPP Limited. Can't find your answer? Contact us directly.
Absolutely! JIPP was built with Chamas in mind. Groups can register a dedicated group account where all members' contributions are tracked individually and transparently. Visit our Chama Services page to get started.
There is a one-time registration fee of KSh 200 and a minimum saving of KSH 500 per month. These shares earn annual dividends — they are not a cost but an investment in JIPP Limited.
Loan limits depend on your savings and share balance. You can borrow up to 3 times your total savings deposits, ranging from KSh 5,000 up to KSh 1,000,000. The longer you save with us, the more you can access.
Most loans are processed and disbursed within 48 hours of a complete application. Emergency loans can be approved in as little as 24 hours. You will be notified via SMS once your loan is approved.
Development Loans at 1.5%/month all on a reducing balance basis.
Yes. Loans require guarantors who are active JIPP members in the same group. Alternatively, you can use a collateral. Chama group members can guarantee each other.
Regular savings accounts earn interest based on the group's cumulative savings
Regular savings can be withdrawn with a 3-months notice period. Share capital is refunded upon exit from the Limited.
The minimum regular savings deposit is KSh 500 per month. There is no maximum — the more you save, the higher your loan eligibility and dividend returns.
Yes. JIPP Limited is fully registered and regulated by the Sacco Societies Regulatory Authority (SASRA). Your deposits are protected and all operations are subject to regular audits and compliance checks.
Visit our offices, or call/WhatsApp us.
Deposits can be made via M-Pesa Paybill, direct bank transfer. Use your National ID as the M-Pesa account number.