Chama Investment Loans
Designed for organized groups and chamas, this facility helps your members undertake long-term housing projects—whether for personal residences or investment purposes.
- Funding: Up to 10x savings (Min: KES 100,000).
- Tenure: Up to 60 months.
- Purpose: Land purchase, residential construction, or property investment.
- Benefit: Up to 100% financing of market value/selling price.
What we offer
- Affordable Housing: Groups contribute cash to build member-friendly housing schemes.
- Commercial Properties: Financing of up to 90%
- Income-Generating Units: Loans to buy or construct rental properties.
- Additional Financing: Access Rafiki’s Mortgage and Construction Financing products.
- maintenance fees
Loan Terms
- Repayment period of up to 60 months
- Up to 100% financing.
- account opening form
This specially designed loan helps chamas and savings groups access funds for viable projects. We provide financing of up to 10× your group savings, empowering your group to invest in:
Groups invest in:
- Land purchase & property development
- Construction projects
- Shares & bonds
- Trade & asset financing
- ATMs, and Rafiki Mkononi App
This loan is meant to facilitate quick access of funds to individual chama members for personal development and emergencies.
- Loan term: 24 Months.
- Loan Amount: KES 5,000 – 1M.
Requirements
- Be an active member of a registered chama or investment group.
- Chama must have banked with Rafiki for at least 3 months (or 6 months with another bank).
- Business must have been in operation for at least 1 year.
- Clean CRB report.
- Collateral must meet acceptable loan-to-value standards.
- Borrower age must be under 63 years (to allow for the 2-year credit life limit).
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