List of Muungano Microfinance Bank Products

This article is about Muungano Microfinance Bank’s products and branches. Muungano is one of Kenya’s 14 licensed microfinance banks. On October 30, 2019, Muungano Microfinance Bank was granted a license to run a community-based microfinance banking operation.

Muungano Microfinance Bank is headquartered in Kangari, Murang’a County, on the ground level of EastEnd Mall. It is the first microfinance institution to establish its headquarters and operations outside of Nairobi.

Through value chain financing, the agri-focused microfinance bank targets rural small-scale farmers in Kigumo Sub County. Their goods are intended to assist farmers in purchasing assets in the dairy and tea industries.

This article explores the Muungano Microfinance Bank products, highlighting the loan terms and repayment procedures.

List Of Muungano Microfinance Bank Products


a) Agri-business Loans (Kilimo Kisasa)

1. Muungano Maziwa Boost Loan.

This credit product assists farmers in increasing milk output by financing dairy cows, zero-grazing units, quality animal diets, household milk coolers, water tanks, motorcycles, and motor vehicles.

2. Muungano Majani Boost Loan.

This product maximizes tea production through the financing of:

  •  Labor – Tea Picking
  • Pickers housing improvement
  • Water Tanks
  •  Development Loans – Bonus based

b) Business Loans

1. Muungano Boresha Biashara Loan

This product attempts to finance your company’s day-to-day operations through LPO Financing, business asset financing, and the supply of working capital loans.

2. Muungano Mradi Loan

This is a community project finance initiative aimed towards dairy societies, churches, schools, chamas, and families, among others. It covers up to 70% of the project’s cost.

3. Muungano Vijana Boost Loan

This is a youth-focused product that empowers adolescents and employers through LPO Financing and working capital loans.

c) Personal Loans

1. Muungano Jijenge Loan

This is a product for regular earners. It finances:

  • Acquisition of household assets
  •  House Improvement
  •  Purchase of Land
  •  Holidays, Medical, Education, etc

2. Muungano Okoa Loan

This is a short-term loan and salary advance meant to handle emergencies.

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d) Savings Accounts

Muungano Microfinance Bank Products

1. Haba Savings Account


  • Minimum Balance Ksh.400
  • Unlimited withdrawals
  • Interest earning

2. Baraka Junior Savings Account

This product is designed for kids.


  • Opening Balance Kshs. 400
  • Interest earning
  • Quarterly free withdrawal

3. Muungano Investment Account

It targets groups, chamas, and associations.


  • Deposit & Withdrawal at will
  • Minimum balance Kshs.1000
  • Interest earning

e) High Interest-Earning Accounts

1. Jiinue Fixed Deposit Account


  • Fixed-term deposit
  • From as low as Ksh 5,000
  • Attractive interest rates

2. Timiza Flexi Savings account

High-interest-earning account to realize your dreams with contractual Flexi-savings, such as school expenses, maternity, vacation, wedding, assets, and so on.


  • The minimum balance is Kshs. 1000.
  • Enables additional deposits
  • Interest rates that are appealing
  • Unsecured loan against deposit available

f) Current Accounts

1. Sasa – Transactional Account
Suitable for business operations.
  • No minimum balance
  • Cheque book issued
  • Unlimited number of deposits and withdraws

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List Of Muungano Microfinance Bank Branches

1. Muungano Microfinance Bank Head Office 

Location: Ground Floor, EastEnd Mall, Kangari, Murang’a County

Phone: 0706974747 / 0706974343 / 020-4404173


2. Nairobi Liason Office 

Location: 7th Floor, Ngara Heights, Musindi Road

Contact: 0706974747, 0716  604 453