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Women of Valour SACCO offers seven distinct loan products designed to meet the diverse needs of our members. From building assets to growing businesses, from education to emergencies—we're here to support your journey at every stage.

Development Loan

Build Your Assets, Secure Your Future

Purpose

  • Home construction or renovation
  • Land purchase
  • Asset acquisition (vehicles, machinery)
  • Infrastructure development
  • Long-term investments

Key Features

  • Loan Amount: Up to KShs 500,000
  • Repayment Period: Up to 24 months
  • Competitive interest rates
  • Flexible repayment schedule
  • Group guarantee system

Requirements

  • Active SACCO membership (minimum 3 months)
  • Regular savings contribution
  • Group membership in good standing
  • Clear loan repayment history
  • Completed loan application form
Apply for Development Loan

Agribusiness Loan

Empowering Farmers Across Five Value Chains

Supported Value Chains

  • 🥑 Avocado farming
  • 🐔 Poultry production
  • 🐄 Dairy farming
  • 🍌 Banana cultivation
  • ☕ Coffee production
  • . among others

Key Features

  • Loan Amount: Up to KShs 300,000
  • Repayment Period: 6-18 months
  • Seasonal repayment options
  • Technical support included
  • Partnership with NAVCDP (World Bank)

Additional Benefits

  • Agricultural training and capacity building
  • Access to market linkages
  • Group farming support
  • Extension services coordination
  • Post-harvest management guidance
Apply for Agribusiness Loan

Business & Trade Loan

Capital to Start or Expand Your Enterprise

Purpose

  • Starting a new business
  • Expanding existing operations
  • Purchasing inventory/stock
  • Equipment and tools
  • Working capital needs

Key Features

  • Loan Amount: Up to KShs 400,000
  • Repayment Period: 6-18 months
  • Quick approval process
  • No collateral required
  • Business mentorship available

Eligible Businesses

  • Retail shops and kiosks
  • Food vendors and restaurants
  • Tailoring and fashion
  • Salons and beauty services
  • Any viable small business
Apply for Business Loan

Education Loan

Invest in the Future Through Learning

Coverage

  • Primary school fees
  • Secondary school fees
  • College and university tuition
  • Vocational training programs
  • Educational materials and supplies

Key Features

  • Loan Amount: Up to KShs 200,000
  • Repayment Period: Up to 12 months
  • Term-based disbursement options
  • Grace period available
  • Affordable interest rates

Requirements

  • School admission letter
  • Fee structure from institution
  • Active SACCO membership
  • Group guarantee
  • Completed application form
Apply for Education Loan

Emergency Loan

Quick Access When You Need It Most

Purpose

  • Unexpected family emergencies
  • Urgent home repairs
  • Immediate financial needs
  • Crisis situations
  • Time-sensitive opportunities

Key Features

  • Loan Amount: Up to KShs 100,000
  • Repayment Period: 3-6 months
  • Fast approval (24-48 hours)
  • Quick disbursement
  • Minimal documentation

Eligibility

  • Active membership (minimum 2 months)
  • Regular savings record
  • Group in good standing
  • No outstanding arrears
  • Emergency justification
Apply for Emergency Loan

Medical Loan

Healthcare Support for You and Your Family

Coverage

  • Hospital bills and treatment
  • Surgery and procedures
  • Medication costs
  • Diagnostic tests and scans
  • Maternity expenses

Key Features

  • Loan Amount: Up to KShs 150,000
  • Repayment Period: 6-12 months
  • Priority processing
  • Direct hospital payment option
  • Compassionate terms

Requirements

  • Medical documentation/bills
  • Doctor's recommendation letter
  • Active SACCO membership
  • Group guarantee
  • Completed application
Apply for Medical Loan

Group/Chama Loan

Collective Growth for Organized Groups

Purpose

  • Group business ventures
  • Collective investments
  • Community projects
  • Shared asset purchase
  • Group capacity building

Key Features

  • Loan Amount: Up to KShs 1,000,000
  • Repayment Period: Up to 24 months
  • Shared responsibility model
  • Lower individual risk
  • Group training included

Requirements

  • Registered Common Interest Group
  • Minimum 10 active members
  • Group constitution and records
  • Business plan or project proposal
  • Group guarantee mechanism
Apply for Group Loan

General Loan Requirements

All Applicants Must:

  • Be a registered member of Women of Valour SACCO
  • Belong to an active Common Interest Group (CIG)
  • Have a consistent savings record
  • Provide valid identification (National ID or Passport)
  • Complete the loan application form
  • Attend mandatory financial literacy training
  • Have no outstanding loan arrears
  • Provide group guarantee as per SACCO bylaws

Ready to Apply for a Loan?

Join over 800 members who have accessed over KShs 6.2 million in loans

Become a Member First Contact Us for Guidance