Back Office Service Activity (BOSA) Back Office Service Activity deals with non-withdraw able savings and allows members to borrow against their savings, at very competitive interest rates. BOSA Savings Products Deposit Contribution This is the monthly deposit made by a member against which they take loans, guarantee loans and earn interest/rebate at the end of the year. BOSA Loans (Long Term) FARAJI CONSTRUCTION HOME LOAN KMRC MORTGAGE (FARAJI READY HOMES LOAN) This product is intended to empower members undertake development projects for ready houses with long-term benefits Ustawi/Mortgage Loan This product is intended to empower members undertake development projects for ready houses with long-term benefits Land Loan This product is facilitated by the Sacco to empower members own a piece of land. Asset Financing Loan Members involved in diverse business ventures which includes specialized machinery, Boda Boda, Office, Gym and laboratory equipment can now purchase the equipment through Co-ownership of the Sacco Car Loan This facility enables members to purchase private quality cars through co-ownership with the Sacco. Premium Loan This is a special product tailored to satisfy members need for extra financing after taking up a Development loan and there still need for more project funds. Development Loan This product is intended to empower members undertake development projects with long-term benefits e.g. Residential & Commercial buildings, Business ventures and other investments. BOSA Loans (Short Term) Short-term loan facility is available for short-term purposes. The Sacco processes these loans within 1 Hour of application and installments of 12 Months. Education Loan Studying is already quite demanding, the Sacco offers members’ with an opportunity to pay for their studies as well as their Children’s school fees without straining. Smart Home Loan This product provides financing to members to equip their homes with quality appliances, house furniture, car accessories, Phones, Tanks etc. from selected reliable suppliers Pamoja Loan There is need to promote active membership through giving new members the opportunity to access credit before the 6 months of membership period is over.