Thibiti loan is a mobile loan product which allows member to borrow through the phone.


  • Maximum limit is Kshs 200,000/=.
  • Minimum limit is Kshs 20,000/=.
  • Qualifying loan within self guarantee is up to 50% member's deposit.
  • Qualifying loan within guarantor is up to 100% member's deposit.
  • Interest rate is 2% monthly on reducing balance.
  • Maximum repayment period is 12 months.
  • Can access 1 loan.
  • Full Sacco membership of at least 3 months.
  • To be register on M-Sacco (Mobile banking platform).