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ST. CHARLES LWANGA logoST. CHARLES LWANGASelf-Help Group · Githirioni

Savings

Build your savings with your community

Simple, disciplined savings options designed around member needs. All rules are confirmed by the group's policies.

Individual Member Account

The main savings account for every adult member of the group.

Build consistent savings that support your financial goals and qualify you for member loans.

Benefits

  • Encourages a regular savings habit
  • Qualifies you for loans of up to 5 times your shares
  • Entitles active members to a share of surplus after the AGM
  • Access to the benevolent fund

Account rules

Who Can Open
Persons aged 18 years and above
Registration Fee
KES 300 plus minimum savings of KES 100
Minimum Monthly Contribution
KES 100
Benevolent Fund
KES 400 per year from the date of joining
Withdrawal Rules
Partial withdrawal of shares is not permitted except on termination of membership

Corporate Account

An account for groups registered with a government agency.

Enable registered groups, chamas and institutions to save and grow together.

Benefits

  • Group savings held in one account
  • Access to member financing for the group
  • Recognised participation in group activities

Account rules

Who Can Open
Groups registered by a government agency
Registration Fee
KES 300 plus minimum savings of KES 100
Requirements
Minutes authorising the account, member list, signatories' photos and IDs, registration certificate and the group's constitution
Minimum Monthly Contribution
KES 100

Minor Savings Account

Encourage a saving culture for children and young people.

Help parents and guardians save on behalf of a child under 18 and teach the value of saving early.

Benefits

  • Builds a savings culture from an early age
  • Exempt from all charges and penalties, including the benevolent fund
  • Supports future education and development plans

Account rules

Eligibility
Children under 18, operated by a parent or guardian who is a member
Opening Requirements
Guardian's National ID or passport, plus the minor's birth certificate, notification of birth or baptism card
Opening Charge
No charge
Loans
A pure savings account — cannot take a loan independently
Guaranteeing
May only guarantee a school fees or medical loan taken on behalf of the child

How to pay

Make savings payments via M-PESA Paybill

Always confirm the Paybill and account number with the office before sending any money.

  1. 1Go to the M-PESA menu on your phone.
  2. 2Select Lipa na M-PESA, then Pay Bill.
  3. 3Enter the business number: 8998990 (no M-PESA charges).
  4. 4Enter your account number: 527512#<your national ID number>MS — MS stands for Member Savings. Use the other product codes to pay a loan separately.
  5. 5Enter the amount you wish to save.
  6. 6Enter your M-PESA PIN and confirm the details.
  7. 7Keep the confirmation SMS as your record of payment.

Option 1 — no M-PESA charges

Business No: 8998990

Account No: 527512#<YOUR NATIONAL ID>MS

Option 2 — with M-PESA charges

Business No: 527512

Account No: <YOUR NATIONAL ID>MS

Bank & banking agents

  • Equity Bank — A/C No: 1110169368822
  • K-unity — A/C No: 00410000005257
  • Caritas MFB — A/C No: 1002025000021

Account name: ST. CHARLES LWANGA GITHIRIONI C.C SHG

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A family planning their savings together