• In need of cash urgently? Would you like to get an Instant Loan from Utabibu Sacco?

    Utabibu would like to develop a Mobile Loan application where members can access the loan products using their Safaricom line via USSD or Mobile Application.

    To provide you with a good experience, we would like your feedback on the features you would like the Mobile Loans Service App to have.

    Mobile Loan App features

    • Loan not pegged on deposit multiplier.
    • If one pays off the loan they can re-apply immediately.
    • The loan has no guarantors
    • If one defaults. The amount is deducted from their deposits, they are blocked from accessing the product until they replenish back the amount into their deposits.
    • The loan has no human intervention. One applies using their phone and money is disbursed to their phone through Mpesa.
    • Repayment is also done through Mpesa.
    • SACCO will work on sending reminders, Days before the due date and due date.


    • A member in good standing paying well their deposits and loans
    • Active member, not dormant or exited.
    • Currently available to Safaricom /Mpesa lines only

    We greatly appreciate your feedback as you fill in this survey which should only take about five minutes of your time to complete.

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