Stima Sacco is one of the best Saccos to join in Kenya.The Sacco pays dividends of 13% to 17% of the total shares of a customer annually. The Sacco also has various investment and savings products. The sacco also offers cheap loans to members.
Below are important details you wish to know about Stima Sacco:
Individual membership application
Membership Registration Documents required
1. Complete membership application form and attach:
2. Copy of National Identity card/Passport.
3. Recent Photo.
4. Copy of KRA PIN Certificate.
Joint membership application
To join the Sacco one needs to;
- Complete Membership Application Form
- Attach copy of Kenyan National Identity Card or Valid Kenyan Passport for both applicants.
- Attach coloured passport size photograph for both applicants.
- Copy of KRA PIN Numbers
Group membership application
This includes;Chamas, Self-help Groups etc of atleast 4 members. To join the Sacco one needs to;
1. Complete corporate membership application form and attach:
2. Photocopy of registration certificate.
3. Minutes of the group’s meeting resolving to join Stima Sacco.
4. Constitution of the group.
5. Copies of National identification cards, KRA PIN, and photos of authorized signatories.
6. List of group members.
Corporate membership application
To join the sacco as a corporate, you will need:
1.Complete Corporate Membership application form and attach:
2. Directors’ resolution to open the account.
3. Copy of certificate of incorporation.
4. ID/passport copies, and photos of signatories.
5. Memorandum and Articles of association.
6. Photocopy of KRA Corporate PIN Certificate.
Visit Stima Sacco after obtaining the documents listed above, fill in the required details and attach documents.
INVESTMENT OPTIONS
| SAVINGS ACCOUNT | FEATURES |
| Fixed Deposit Account | • Fixed deposit account is a withdrawable deposit account where depositors can place short term deposits for a specified periods of time usually between three to twelve months. • The account targets members who wish to put aside funds for investment, and they are certain of the period that they can commit the funds. • Minimum deposit amount is Kes.5,000. • Funds can be fixed either for 3, 6 or 12 months. • Interest is computed daily and credited at the maturity of the contract period subject to a withholding tax of 5%. • Accrued interest is forfeited if a depositor withdraws the funds before maturity date. • The customer is issued with a Certificate of Deposit upon depositing the money. • The Certificate of Deposit details the amount deposited, date deposited, interest rate applicable, contract period and the maturity date. • Upon maturity the depositor can rollover the principal together with the interest or collect interest and rollover the principal or collect both principal and interest. |
| Call Deposit Account | • Funds can be recalled anytime without losing Interest. • Guaranteed return on Investment. • Minimum is Kes 5,000. |
| Golden Savings Account | •This is an investment option account that guarantees a minimum return monthly subject to the amount invested. • Amounts fixed for a period of 1 year. • Minimum Deposit is Kes.5,0000. • Monthly returns can be wired to the beneficiaries upon request |
Normal Loan
Loan Amount: 3X members Alpha deposits
Loan pricing:
• Method of calculation: Reducing Balance.
• Seed Loan & Insurance Fund: 1.5%
Loan Tenor:
• Up to 48 months (Subject to remaining contract
period).
• Max 60 months (If borrowing 2X Alpha Deposits).
Premium Loan
Loan Amount: 4X members Alpha deposits.
Features.
• Method of interest calculation: Reducing Balance.
• Seed Loan & Insurance Fund: 1.5%
Loan Tenor:
• Up to 72 Months (Subject to remaining contract
period).
Emergency loan
Loan Amount: 3X members Alpha deposits for Normal
Loan holders.
• Maximum of 3 emergency/ School fees loans at
any time (Ratio 1:2).
Loan pricing:
• Method of interest calculation is flat rate.
• Seed Loan & Insurance Fund: 1.5%
Loan Tenor:
• Up to 12 months (Subject to remaining contract
period).
SOSA loan
Loan Amount: 4X members Alpha deposits .
Loan pricing:
• Method of interest calculation: Reducing Balance.
• Seed Loan & Insurance Fund: 1.5%
Loan Tenor:
• Up to 15 months (Subject to remaining contract
period).
Fahari loan
Method of interest calculation: Reducing balance.
• Seed Loan & Insurance Fund: 1.5%
• For loans amounts above 5 Million, specific
insurance cover will be required for Small &
Medium Enterprises, Corporates, and groups.
Loan Term: 36 Months.
Mode of Repayment: Internal Standing order Frequency
of repayment: Monthly.
Mode of Loan Disbursement: Prime Account.
Loan Amounts: 3X Alpha deposits.
Corporate loan
Loan Amount:X4
Loan tenor: 60 Months Reducing balance14.0%
Land Purchase
Land Purchase X5 Up to3,000,000 60 Months Reducing balance 14.0%
Whole House II
Whole House I X5 Up to 4,000,000 120 Months Reducing balance 14.0%
Whole House II
Whole House II X5 4,000,000 – 15,000,000 144 Months Reducing balance 14.0%
Home Improvement
Home Improvement X5 Up to 500,000 24 Months Reducing balance 14.0%
KMRC Mortgage Loan
This is a mortgage loan product under the Kenya Mortgage Refinance Company (KMRC) refinancing program. The KMRC Mortgage loan will enable Stima Sacco Members to buy a residential house or purchase
land for construction at competitive rates. The mortgage facility is available to
1. Individuals in permanent employment or on contract.
2. Individuals in Business or those who have rental income.
Security for the property is the title for the property being bought or under construction. An additional tangible security may be required where the property is not sufficient to cover the loan.
Product Benefits
• Enable members access funds at competitive rates.
• Flexible security requirements.
0703024000
0703024024
@Stimasacco
0703024851
diasporabanking@stima-sacco.com
here are 2 types of non-withdrawable savings accounts: Shares Captial and Alpha Deposits Savings accounts
| Shares Capital Account | Alpha Deposits Savings Account |
| This is members’ stake/ownership of equity in the Sacco. It is non-withdrawable but transferable upon member’s exit. The investment attracts an average annual return in form of dividends payable. The payback period to recoup the investment is 7 years. The shareholding in Stima Sacco is according to the membership graduation model as below: Individual Membership Member Category Share Capital Threshold (Ksh.) Minimum Shares Priority Above 100,000 200 Diamond 50,000 100 Gold 25,000 50 Silver 5,000 10 Prime Investor 500 1 Corporate Membership Member Category Share Capital Threshold (Ksh.) Minimum Shares Corporate Diamond 100,000 200 Corporate Gold 50,000 100 Corporate Prime Investor 500 1 Chama Membership Member Category Share Capital Threshold (Ksh.) Minimum Shares Chama Diamond 50,000 100 Chama Gold 25,000 50 Chama Prime Investor 500 1 | These are the continuous monthly savings that members make to the Sacco throughout their membership. Alpha Savings earn interest annually and allow members to access deposit-based loans. Minimum monthly contributions: Individuals: Kes. 1,000/= Groups: Kes. 5,000/= Corporates: Kes 10,000/= Can be contributed through standing order, check off, mobile banking, bank transfer or direct deposit. Can only be accessed upon membership withdrawal. Interest Rebates shall be automatically capitalized for any member holding less than the Minimum Share Capital. |
FIXED DEPOSIT RATES
| Amount | Call (%) | 3 months (%) | 6 months (%) | 12 months (%) |
| 100m and above | 7.00 | 9.50 | 9.75 | 10.00 |
| 50m-99.9m | 7.00 | 9.00 | 9.50 | 9.75 |
| 10m-24.9m | 6.50 | 7.50 | 8.50 | 9.00 |
| 5m-9,999,999 | 6.50 | 7.25 | 8.00 | 8.50 |
| 3m-4,999,999 | 5.50 | 7.00 | 7.50 | 8.00 |
| 1m-2,999,999 | 5.25 | 6.75 | 7.00 | 7.50 |
| 400,000-999,999 | 5.00 | 6.50 | 6.50 | 7.00 |
| 50,000-399,999 | 4.75 | 6.25 | 6.25 | 6.50 |
| 5000-49999 | 4.50 | 6.00 | 6.00 | 6.00 |
Working capital loan
Features
- Max Loan Amount:4X members Alpha deposits
- Repayment Up to 72 Mths
Asset finance school loan
Features
- Max Loan Amount:Ksh.10 million
- Repayment Up to 36mths
LOCAL PURCHASE ORDER (LPO) FINANCING
Features
- Max Loan Amount: 70% of the cost of goods up to Ksh.10 million.
- Repayment Not exceeding 90 days
Invoice discounting loan
Features
- Max Loan Amount: 3 X Alpha deposits
- Maximum loan: 80% of Invoice value
- Loan Term: As per Invoice specifications; Not exceeding 90 days
Investor loan
Features
- Max Loan Amount:Upto 90% of the fixed deposit
- Repayment Same as FDR period
Plot financing loan
Features
- Max Loan Amount: 3X members Alpha deposits
- Repayment Upto 24 months
Makaazi poa loan
Features
- Max Loan Amount: 15M
- Repayment Upto 144 months
Mpawa loan
Features
- Max Loan Amount:Kshs 120,000
- Repayment Upto 6 months
Prime advance loan
Features
- Max Loan Amount:Ksh 200,000
- Repayment Up to 12mths
Emergency school fees loan
Features
- Max Loan Amount: 3X members Alpha deposits
- Repayment Up to 15mths
Msingi Bora loan
Features
- Max Loan Amount: Up to 75% of Msingi Bora deposits
- Repayment Up to 12 months
Salary advance loan
Features
- Max Loan Amount:Kshs 100,000
- Repayment Up to 1mths
Makeover loan
Features
- Max Loan Amount:Ksh.1,000,000 (subject to value of item)
- Repayment Up to 48mths
Normal loan 1
Features
- Max Loan Amount: 4X members Alpha deposits
- Repayment Up to 60 months
Super loan
Features
- Max Loan Amount: 4X members Alpha deposits
- Repayment Up to 96 mths
| Loan Type | New Annual Interest Rate | Multiplier Factor | Loan Tenor (Months) | Max. Loan Amount (Kes.) |
| Normal | 12% reducing balance | X4 | 60 | X4 |
| Mwangaza (non-scheme) | 14% reducing balance | NA | 48 | 5M |
| Mwangaza (Scheme) | 13.9% | NA | 78 | 5M |
| Premium | 13% reducing balance | X5 | 96 | NA |
| Make Over | 18% reducing balance | X5 | 48 | 1,000,000 |
| SOSA | 15% reducing balance | X4 | 24 | X4 |
| Funika | 1% daily rate | N/A | 30 days | 15,000 |
1. The general requirement is that one must have been a member of the Sacco for period of three months for individual members and 6 months for Corporate members.
2. One must fulfill all requirements of a specific loan product.
KMRC MORTGAGE
This is a mortgage loan product under the Kenya Mortgage Refinance Company (KMRC) refinancing program. The KMRC Mortgage loan will enable Stima Sacco Members to buy a residential house or purchase land for construction at competitive rates
Security for the property is the title for the property being bought or under construction. An additional tangible security may be required where the property is not sufficient to cover the loan.
Product Benefits
• Enable members access funds at competitive rates.
• Flexible security requirements
The mortgage facility is available to
1. Individuals in permanent employment or on contract.
2. Individuals in Business or those who have rental income.
INDIVIDUAL IN PERMANENT EMPLOYMENT OR ON CONTRACT
Eligibility
• Must be a member of Stima Sacco.
• Must be salaried.
• Must have made uninterrupted 6 months regular contributions prior to application date.
• Must have ability to pay. (Loan repayment not exceeding 2/3 of their basic pay)
• Within the retirement age
• Applicant should have been in work/employment for at least 12 months and in current employment for at least 6 months.
• First time homeowners only
Product Feature
• Interest rate: 9%
• Method of calculation: Reducing Balance.
• Loan insurance fund and seed loan: 1.5%
• No bridging of other loans.
•Disbursement can be done in tranches for a maximum period of 6 months for construction loans.
• No grace periods.
• Loan Tenor: Up to 25 Years (Subject to remaining contract period).
• Mode of Repayment:
• Check off.
• Direct Debit- Frequency of repayment: Monthly.
• Mode of Loan Disbursement: Direct credit to Prime Account.
• Loan Amount: max. Kes 10.5 Million.
• Deposit. Minimum alpha deposits of Kes 200,000/= and minimum shares of Kes 25,000/=
• Contractual monthly deposit: Kes 1,000/=
• Property insurance cover- To be done annually by M-Pawa Insurance Agency.
INDIVIDUAL IN BUSINESS OR THOSE WHO HAVE RENTAL INCOME
Eligibility
• Must be a member of Stima Sacco.
• Must be in business or have rental income.
• Must have made uninterrupted 12 months regular contributions prior to application date.
• Must have ability to pay.
• Maximum age of 60 Years
• Applicant should have been in business for more than 3 years.
Product Features
• Interest rate: 9.5%
• Method of calculation: Reducing Balance.
• Loan Insurance fund and seed loan: 1.5%
• No bridging of other loans.
• Disbursement can be done in tranches for a maximum period of 6 months for construction loans.
• No grace periods.
• Loan Tenor: Up to 20 Years. Mode of Repayment:
• Internal Standing Order from prime account.
• Direct Debit.
• Frequency of repayment: Monthly
• Mode of Loan. Disbursement:Direct credit to PrimeAccount.
• Loan Amount: max. Kes 10.5 Million
• Deposit: Minimum alpha deposits of Kes 400,000/= and minimum shares capital of Kes 50,000/=
• Contractual monthly deposit: Kes 1,000/=
• Property insurance cover- To be done annually by M-Pawa Insurance Agency
MAKAAZI POA
The Makaazi Poa is a Micro Mortgage loan product that is dependent on the purpose and duration as follows.
| SUBCATEGORY | LAND PURCHASE | WHOLE HOUSE CONSTRUCTION/ PURCHASE -1 | WHOLE HOUSE CONSTRUCTION/ PURCHASE -2 | HOME IMPROVEMENT |
| AMOUNT RANGE (Ksh) | Upto 10,000,000 | Upto 4,000,000 | 4,000,001- 15,000,000 | Upto 500,000 |
| PURPOSE | Land Acquisition | WHOLE HOUSE CONSTRUCTION/ PURCHASE | Home Improvement | |
| INTEREST RATE % (Reducing Balance) | 12.95% | 14% | 14% | 14% |
| PROCESSING FEE | 0.75% Plus excise duty | 0.75% Plus excise duty | 0.75% Plus excise duty | 0.75% Plus excise duty |
| INSURANCE FUND | 0.75% | 0.75% | 0.75% | 0.75% |
| REPAYMENT PERIOD | 84 Months | 60-120 Months | 144 Months | 24 Months |
| LEVERAGING ON DEPOSIT | *10 | *5 | *5 | *5 |
| SAVINGS ACCOUNT | FEATURES |
| Fixed Deposit Account | • Fixed deposit account is a withdrawable deposit account where depositors can place short term deposits for a specified periods of time usually between three to twelve months. • The account targets members who wish to put aside funds for investment, and they are certain of the period that they can commit the funds. • Minimum deposit amount is Kes.5,000. • Funds can be fixed either for 3, 6 or 12 months. • Interest is computed daily and credited at the maturity of the contract period subject to a withholding tax of 5%. • Accrued interest is forfeited if a depositor withdraws the funds before maturity date. • The customer is issued with a Certificate of Deposit upon depositing the money. • The Certificate of Deposit details the amount deposited, date deposited, interest rate applicable, contract period and the maturity date. • Upon maturity the depositor can rollover the principal together with the interest or collect interest and rollover the principal or collect both principal and interest. |
| Call Deposit Account | • Funds can be recalled anytime without losing Interest. • Guaranteed return on Investment. • Minimum is Kes 5,000. |
| Golden Savings Account | •This is an investment option account that guarantees a minimum return monthly subject to the amount invested. • Amounts fixed for a period of 1 year. • Minimum Deposit is Kes.5,0000. • Monthly returns can be wired to the beneficiaries upon request |
- Dial *489# and enter your start pin.
- You will be prompted to change your PIN and confirm. The new PIN should be 6 digits.
- When PIN is saved successfully you will be prompted to log in again to set up security questions.
- Dial *489# and enter your new PIN.
- Answer security questions asked (Kindly note the answers are case sensitive).
To transfer funds from your Prime account to another
bank using Pesalink:
Dial *489# and select the second option ‘Funds Transfer.’
Select a bank range such as 1 to access banks that begin with the letter A or B e.g., Bank of Africa.
Select the destination Bank and enter the Account number.
Enter the amount that you wish to transfer.
Enter the purpose of the funds as shown below.
Confirm the transaction details by pressing 1.
To transfer funds from any other bank to your Stima Sacco account
Sacco Prime account using Pesalink
Access Pesalink Services and Select Stima Sacco (Under
Banks). Enter account number as below:
• Prime Account enter 801xxxxxxx00, where xxxxxxx
is your Member Number.
• Enter the amount you wish to pay (between Kes10 –
Kes 999,999.00)
Enter the amount you wish to deposit and complete the process.
If successful you will receive an SMS from Pesalink.
- Dial *489# and choose the 3rd Option, M-pesa.
- Select the second option, M-pesa to SACCO account.
- Select the account you wish to deposit funds into i.e., Prime, Shares or Alpha deposits.
- Enter the amount you wish to deposit.
- Confirm the amount you wish to deposit by pressing 1.
- Confirmation to deposit funds is received by M-pawa.
- M-pesa will now prompt you to initiate the transaction to deposit funds to Stima Sacco by entering your M-pesa PIN.
- Dial *489#.
- Enter M-PAWA pin and answer security question.
- Select M-PAWA loans option from the menu. (4)
- Select pay loan option. (2).
- Select the loan you wish to repay.
- Select source of the funds either prime or M-PESA.
- Enter the amount.
- Confirm.
- When a member delays in payment of the M-Pawa loans, the balance is recovered from their alpha deposits and their status marked as defaulter.
- For reinstatement, the member must put back the amount that was recovered from the Alpha Deposits before Member Changes are done to reactivate the account.
- If some days had passed after the last due date of payment, then. the system will lock out the member from borrowing until the delayed days are over, to serve as a penalty for late repayment.
The M-Pawa loan limit is ranging from 500 shillings to 120,000 shillings.
Stima DT Sacco
254 703 024 000
254 703 024 001
customercare@stima-sacco.com
- info@stima-sacco.com
- diasporabanking@stima-sacco.com
- Stima sacco plaza Mushembi Road, Parklands
Yasar Murabaha Personal Finance Facilities
This will enable our members access facility to purchase tangible items such as: Auto Finance (includes Motor Vehicles Accessories and Spare parts) Plot Finance, Personal Finance for various assets, Stock/ Working Capital Finance, Asset Finance, Building materials, Farm equipment & inputs among other tangible assets. Facility shall be given to individuals who have been members of the Sacco for at least three (3) months. The Sacco shall include its mark-up on the facility based on the CBR rate plus a margin of 4.0%.
KYC documents
• Copy of ID and PIN
• Financing agreement application form
• Master murabaha financing agreement
• Agency agreement
• Purchase requisition
• Confirmation of goods purchased
• Offer to purchase
• Sacco’s acceptance
Product Features
• Maximum period of 60 months.
• 100% financing.
• Pricing- 13.5% Profit margin (Contract T&C applies)
• All acceptable securities – (Guarantors and assets)
• Up to 4 times Yasar Investment.
• Subject to ability to repay.
Letter of offer
• Proof of income sources- employment/ business.
Yasar Diminishing Musharakah Finance
This product targets members who want to purchase new / used motor vehicles, home/commercial premises and for asset financing. This product is a Diminishing Musharakah based on Shirkat Ul Milk. The percentage of financing shall /is proposed at 80% for new vehicles and 70% for used vehicles not more than seven (7) years old with a repayment period of 48 months and 36 months for new vehicles and used vehicles respectively. For other assets maximum repayment period shall be 60 months. Stima Sacco shall include its mark-up on the facility based on the CBR rate plus a margin of 4.0%.
Financing Purpose:
• Normal business ventures
• Property Scheme financing
• Motor vehicle financing
• Members of Islamic insurance pool
Motor Vehicle Financing Features
• maximum period of 60 months
• 80% financing for new motor vehicle for 48 months
• 70% financing for used motor vehicles for 36 months
• Pricing- 13.5% Profit margin (Contract T&C applies)
• All acceptable securities – (Guarantors, Deposits and assets)
Property Scheme Financing Features
• maximum period of 240 months
• Pricing- 13.5% Profit margin (Contract T&C applies)
• All acceptable securities – (Guarantors, Deposits and assets)
KYC documents
• Copy of ID and PIN
• Financing application form
• Diminishing musharakah financing agreement
• Buy out payment dates
• Musharakah units of Stima Sacco
Letter of offer
• Proof of income sources- employment/ business
• Offer and acceptance between client and the Sacco.
• Transfer of Possession from financial institution to
the client but obligation remains until full payment.
Tawarruq based Yasar Products
This product targets member’s who would want to access products that are not necessarily asset backed i.e
• Take over of interest based loans
• School fees
• Medical expenses
• Payment of salaries and taxes
• Bill encashment and discounting for corporate clients
• Insurance premium financing
• Paying debtors
The Member approaches the Sacco for Financing, the Sacco procures through its agent a Tawarruq commodity via an international exchange platform, the agent then sells the Tawarruq Commodity at Cost plus a mark –up.
The Customer through another agent then disposes the Tawarruq Commodity through a commodity exchange platform and the proceeds of sale are credited into the Customer’s account at the Sacco.
Product features
• Maximum facility repayment period is 108 months
• The member must been an active member with Stima Sacco for a period of 3 months.
• The maximum amount financed shall be up to 5 times the deposits saved.
• Facility security will be the item purchased, collateral and/or guarantors,
• Facility is subject to ability to repay.
• Pricing- 13.5% Profit margin (Contract T&C applies)
KYC documents
Copy of ID and PIN
Financing agreement application form
Master murabaha financing agreement
• Tawarruq offer to sell
• Tawarruq Payment
• Tawarruq Acceptance
Letter of Offer
• Proof of income sources- employment/ business
Salam based Yasar Products
This product targets member’s who would want to access products that are not necessarily asset backed.
• This is similar to Tawarruq and uses the same commodity platform, however with Salam the disbursements occurs immediately after approval of the facility.
• The Sacco then procures through its agent a Salam commodity via an international exchange platform, the agent then sells the Salam Commodity at Cost plus a mark – up.
• The Customer through another agent then disposes the Salam Commodity through and the proceeds of sale are credited into the Customer’s account at the Sacco.
Product features
• Maximum facility repayment period is 108 months.
• The member must been an active member with
Stima Sacco for a period of 3 months.
• The maximum amount financed shall be up to 5
times the deposits saved.
• Facility security will be the item purchased,
collateral and/or guarantors,
• Facility is subject to ability to repay.
• Pricing- 13.5% Profit margin (Contract T&C applies)
Documentation for Salam financing
KYC documents
• Copy of ID and PIN
• Financing agreement application form
• Master Salam financing agreement
Letter of offer
• Proof of income sources- employment/business.
CBD E-HOUSE BRANCH NAIROBI
Electricity House Harambee Avenue in Nairobi CBD
P.o Box 75629 -00200, Nairobi
ehouse@stima-sacco.com
0703024458/60
Kisii Branch
Kisii Waumini Plaza, Ground Floor
P O Box 4318 – 40200
kisiibranch@stima-sacco.com
0703024556/558
Meru Branch
Greenwood City Mall 2nd Floor in Meru town
P.O Box 2744-60200
merubranch@stima-sacco.com
0703024652/653
Head Office
Stima Sacco Plaza Mushembi Road, Parklands in Nairobi, Kenya
P.O. Box 75629-00200,Nairobi
Corporate queries – info@stima-sacco.com
0703024000
Customer Care Centre
Stima Sacco Plaza Mushembi Road, Parklands in Nairobi
P.O. Box 75629-00200, Nairobi
customercare@stima-sacco.com
0703024000
CBD KIMATHI Branch – Nairobi
Victor House, Along Kimathi Street
P.O. Box 75629-00200. Nairobi
cbdbranch@stima-sacco.com
0703024908/914
Embu Branch
Embu Pearl Center in Embu Town
P.O. Box 388-60100. Embu Town
embubranch@stima-sacco.com
0703024955/959
Kawi Branch – Nairobi
Kawi Complex, South C Bellevue, Off Mombasa Road, Off Red Cross Road
kawibranch@stima-sacco.com
0703 024 852/3
Eldoret Branch
Zion Mall, Malaba Road
P.O. Box 7952-30100, Eldoret
eldoretbranch@stima-sacco.com
0703024801/2/3/4/5
Olkaria branch
Geothermal Complex, Olkaria
P.O. Box 1203-20117, Naivasha
olkariabranch@stima-sacco.com
0703024701/2/3
Nakuru Branch
Meems Building, Kenyatta Avenue Nakuru
P.O. Box 4083-20100, Nakuru
nkrbranch@stima-sacco.com
0703024601/2/3
Kisumu Branch
Westend Mall, Achieng Oneko Road
P.O. Box 7534-40100, Kisumu
kisumubranch@stima-sacco.com
0703024507/513
Mombasa Branch
Electricity House, Ground Floor, Nkrumah Road
P.O. Box 2593-80100, Mombasa
msafosa@stima-sacco.com
0703024401/2/3/4/5
Parklands Branch – Nairobi
Stima Sacco Plaza Mushembi Road, Parklands in Nairobi, Kenya
P.O. Box 75629-00200,Nairobi
nairobibranch@stima-sacco.com
0703024000
OLOITOKTOK
KIMANA
KIBWEZI
KCB STREET-KIBWEZI
MACHAKOS
MBOLU MBOLU MALU ROAD
KIKUYU
KIKUYU TOWN
NAIROBI
CITY SQUARE
MAKUENI
MCHANGANYIKO HOUSE(KIBWEZI TOWN)
KAJIADO CENTRAL
AMBOSELI RD
DONOLHOM CALTEX(NAIROBI)
BAMBURI ROAD(KIMANTHI STRRET)
KAPSABET
SUNSHINE BUILDING
WOTE
WOTE-MWAANI ROAD.
LIMURU
LIMURU BUS PARK
LAMU
LAMU COAST (LAMU WEST)
TALA
TALA- NAIROBI RD
KAJIASDO SOUTH
LOITOKTOK MARKET
NAIVASHA
NAIVASHA SERA CENTER,
KAJIADO
KAJIADO OPPOSITE ELISHADAI HOUSE,(SIDIAN BANK)
NAIROBI(KAMKUNJI MARKET)
KAMKUNJI
MOMBASA
KIMANA CABANAS, NEAR TUNZA CHEMISTRY
LOITOKTOK
MPEKETONI-LAMU ROAD
MWINGI TOWN
MWINGI TOWN NEXT TO POSTBANK
NAIROBI
CITY SQUARE,JKIA GROUND FOURTH SEASON
GARISA
TOWNSHIP, BARE SHILI HOUSE
NAIVASHA
BIASHARA STREET
NAIVASHA
KAMERE, BARAKA
NANYUKI TOWN
PARK ROAD (NGUMBA HOUSE), NGUMBA HOUSE
MACHAKOS
MASSMART SUPERMARKET(MACHAKOS-KANGUNDO ROAD)
ELDORET
LESSOS, KVDA PLAZA
TAITA TAVETA
WUNDANYI (LAVENDER HOTEL ROAD)
NYERI
KIMATHI STREET(FARMERS BUILDING)NYERI, FARMERS BUILDING
JOMVU
MIRITINI ESTATE(CATHOLIC CHURCH RD), OPP WORLD BANK PRIMARY
MURANGA
UHURU HIGHWAY, UHURU HIGHWAY MURANGA TOWN
KIAMBU
JUBILEE STALLS
KITUI
KILUNGYA STREET, AMANI HOUSE ALONG KIHUNGYA STREET
MOMBASA
BEACH ROAD, OPPOSITE FPFK CHURCH
GITHUNGURI
ISOLATED BUILDING, Kambaa Road
VOI
VOI ROAD
KABARNET
MOI AVENUE, MIRELI BUILDING
KIAMBU
JUBILEE STALLS
RUAI
RUAI-AVID HOLDINGS(KANGUNDO ROAD)
RUIRU TOWN
WAIRA BUILDING, BIASHARA STREET
NAROK
ROYAL NAIBOR XPRESS DRYCLEANERS
Naivasha Town
Naivasha Highway agrovet
Embu Town
Matendeni Staff Camp
Mombasa Town
Homeboyz Café, Mombasa Malindi Rd
Rongai Town
Felion Enterprises & Phone Accessories Ryma Plaza, Near KCB Bank
Kisii Town
Mocha Place Kisii
Thika Town
Nellion Centre, Ground Floor
Homabay Town
Homabay Bank Road
Kitale Town
Rahab Enterprises
Marigat Town
Mwanzo Electronic
Ruiru Town
Serms Technics Limited, Waira building
Kisumu Town
Prefine Enterprises
Kamukunji Nairobi CBD
Hamima Enterprises
Ruai Town
Ruai Avid Holdings
