Celebrating the People Behind the Progress
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Member of the month
Ephantus Maina
Member of the Month: February 2026
Ephantus is a second-generation coffee farmer based at Kagio, Kirinyaga County. He has a big farm. When I visited his farm, I could almost not see the end of it. For years, he allowed middlemen to dictate prices. Harvest season would come, he’d sell quickly to clear debts, and by the time bonuses came months later, most of it was already allocated to school fees and pending bills. Growth was always postponed. In this case, he was always broke.
When he took the 4-year Kahawa Development Loan, he did something bold. He got a hold of himself, stopped selling immediately after harvest and invested in proper drying sheets, storage, and basic quality improvement practices. That one decision changed his negotiating power. He was no longer desperate for quick cash. He could wait. He could choose better buyers.
Later, through the Zidisha Loan, leveraging his savings, he installed a small pulping machine to serve neighboring farmers at a fee. What used to be a small farm became a mini aggregation point. (amazing, right?) Suddenly, he wasn’t just producing coffee. He was creating value in the chain.
And instead of spending every surplus shilling, he opened a Jiinue Investment Account. For the first time in his life, he had money growing quietly in the background. Today, his daughter attends a better secondary school. His farm is expanding by an extra acre next season. Fianlly, the maths are mathing. The difference is simple: Ephantus stopped reacting to the market. He started planning around it.
When he took the 4-year Kahawa Development Loan, he did something bold. He got a hold of himself, stopped selling immediately after harvest and invested in proper drying sheets, storage, and basic quality improvement practices. That one decision changed his negotiating power. He was no longer desperate for quick cash. He could wait. He could choose better buyers.
Later, through the Zidisha Loan, leveraging his savings, he installed a small pulping machine to serve neighboring farmers at a fee. What used to be a small farm became a mini aggregation point. (amazing, right?) Suddenly, he wasn’t just producing coffee. He was creating value in the chain.
And instead of spending every surplus shilling, he opened a Jiinue Investment Account. For the first time in his life, he had money growing quietly in the background. Today, his daughter attends a better secondary school. His farm is expanding by an extra acre next season. Fianlly, the maths are mathing. The difference is simple: Ephantus stopped reacting to the market. He started planning around it.
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Agnes Nafula
Member of the Month: January 2026
Agnes runs a hardware and electrical supplies shop in the fast growing town of Utawala, Nairobi County. Her customers are mainly resellers, fundis, small contractors, landlords wiring rental units, and farmers installing water pumps. Business had always been good; demand was never the problem. The problem was supply. Stock moved quickly, but cash flow didn’t. Suppliers wanted upfront payments and customers sometimes bought on short credit. Growth felt stuck in the middle.
Everything shifted when Agnes became intentional about the Zidisha 5 times Loan Multiplier.Instead of just saving casually, she initiated a standing order that automatically deducted a fixed amount into her Zidisha Shares account every month. Within months, her savings had grown enough to unlock the multiplier, allowing her to borrow up to five times her shares. That capital changed her business overnight. She began ordering cement, cables, sockets, and water tanks in bulk. Bulk meant better supplier discounts. Better discounts meant stronger margins.
For the first time, she restocked with strategy. She went ahead to open a Lengo Investment Account, choosing a flexible duration plan earning her up to 8% per annum. Instead of spending every surplus from her improved margins, she redirected part of it into this account.These two structured decisions were focused at automating her savings into the Zidisha Shares A/C and enabling her to invest through the Lengo Investment A/C, turning her from a normal busy trader to a financially strategic entrepreneur.
Everything shifted when Agnes became intentional about the Zidisha 5 times Loan Multiplier.Instead of just saving casually, she initiated a standing order that automatically deducted a fixed amount into her Zidisha Shares account every month. Within months, her savings had grown enough to unlock the multiplier, allowing her to borrow up to five times her shares. That capital changed her business overnight. She began ordering cement, cables, sockets, and water tanks in bulk. Bulk meant better supplier discounts. Better discounts meant stronger margins.
For the first time, she restocked with strategy. She went ahead to open a Lengo Investment Account, choosing a flexible duration plan earning her up to 8% per annum. Instead of spending every surplus from her improved margins, she redirected part of it into this account.These two structured decisions were focused at automating her savings into the Zidisha Shares A/C and enabling her to invest through the Lengo Investment A/C, turning her from a normal busy trader to a financially strategic entrepreneur.
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Moses Ngari
Member of the Month : December 2025
Moses is a dairy farmer. Not yet on a large scale kind of setting, just a determined one. He has a wife, and a 4 year old Son, Luka. He and his family reside in Embu County, Runyenjes Town. He started small, with two cows and a traditional wooden shed. Milk production was modest. Some days were good, others frustrating. Income fluctuated depending on feed quality, weather, and the health of the cows.
Moses didn’t rush for a loan immediately. He decided to start with discipline.
He opened a back-office savings account and set up a standing order. During every milk payout cycle, a portion automatically went into that account and his borrowing power automatically grew stronger.
Overtime, that savings habit enabled him to qualify for a Ngombe Loan.With the loan, Moses didn’t waste time. He purchased additional high-yield dairy cows and invested in building a modern, well-ventilated shed with proper feeding and milking space. He also improved on feeding routines and veterinary schedules.
The results were visible within months.
Daily milk production increased significantly. More litres meant more consistent income. More income meant less financial stress. He could now afford quality feed without cutting corners. And most importantly, he could fund his everyday bills. One point to note, Moses always thought beyond dairy cows.He opened a Thamani Junior Account for his son in preschool. Earning a guaranteed 10% interest per annum, with three free withdrawals and three free bankers’ cheques per year, it gave him structured savings for education. Instead of scrambling for school fees every term, he now deposits steadily into an account designed specifically for his child’s future. Bad man like Moses!
Moses didn’t rush for a loan immediately. He decided to start with discipline.
He opened a back-office savings account and set up a standing order. During every milk payout cycle, a portion automatically went into that account and his borrowing power automatically grew stronger.
Overtime, that savings habit enabled him to qualify for a Ngombe Loan.With the loan, Moses didn’t waste time. He purchased additional high-yield dairy cows and invested in building a modern, well-ventilated shed with proper feeding and milking space. He also improved on feeding routines and veterinary schedules.
The results were visible within months.
Daily milk production increased significantly. More litres meant more consistent income. More income meant less financial stress. He could now afford quality feed without cutting corners. And most importantly, he could fund his everyday bills. One point to note, Moses always thought beyond dairy cows.He opened a Thamani Junior Account for his son in preschool. Earning a guaranteed 10% interest per annum, with three free withdrawals and three free bankers’ cheques per year, it gave him structured savings for education. Instead of scrambling for school fees every term, he now deposits steadily into an account designed specifically for his child’s future. Bad man like Moses!
Achievement tiers
Eligibility: Consistent savings growth ORResponsible loan repayment history
- Recognition certificate (digital & printable)
- Featured acknowledgement during AGM or member forums
- Access to exclusive financial literacy webinars
- Quarterly financial tips & growth insights newsletter
Eligibility: High savings consistency OR Strong loan performance & growth
- All Bronze benefits
- Personalized financial planning session (scheduled clinics)
- Recognition feature on website or newsletter
- Invitations to Sacco trainings & investment forums as well as marketing events
Eligibility: Exceptional deposit levels ORHigh-value borrowing with excellent repayment record
- All Silver benefits
- Dedicated relationship contact person for service support
- Featured success story spotlight (with consent)
- Exclusive leadership & wealth-building workshops
Do You Know a Member Who Deserves the Spotlight?
Heroes don't always wear capes. Nominate someone whose financial journey inspires you.