Member Development Loans
Affordable Credit for Your Growth
Member Development Loans are designed to help members improve their economic and social well‑being. Whether for education, business, or personal development, this loan provides accessible funding with fair terms.

KIA SACCOS
Member Development Loans
Competitive interest rates
affordable pricing that puts members first
Transparent loan process
clear terms and no hidden fees
Structured Loan Committee approval
fair and consistent review
ICT‑supported member tracking
easy monitoring of your loan status
KIA SACCOS
Loan Disbursement
Approved loans are paid directly to you via
- Bank transfer
- Mobile channels

KIA SACCOS
Eligibility
- Active member in good standing (entrance fee paid, shares held, monthly savings maintained)
- Commitment to cooperative principles

KIA SACCOS
