# HakiTume Sacco

> HakiTume Sacco (iPhone/iPad app by Haki Tume Sacco.)

- Source: https://appshunter.io/ios/app/hakitume-sacco/id6757707728 (this page in markdown: same URL + `.md`)
- Developer: [Haki Tume Sacco](https://appshunter.io/developer/1868399128)
- Category: Finance
- Price: Free
- Age rating: 17+
- Requires: iOS 15.0 · 117 MB
- Languages: American English, Arabic, Dutch, French (France), German (Germany), European Portuguese, European Spanish
- Released: 2026-02-07
- Data updated: 2026-03-26
- User reviews in markdown: https://appshunter.io/ios/app/hakitume-sacco/id6757707728/reviews.md

## What is HakiTume Sacco?

Haki Tume Sacco is a secure digital platform for registered members of a Kenyan Savings and Credit Cooperative (SACCO).

Members can manage contributions, view balances and statements, receive dividends, and apply for loans under clear and transparent terms, in accordance with SACCO bylaws and Kenyan regulations.

Loan Products

All loans include full APR disclosure, fees, repayment schedules, monthly payment examples, eligibility requirements, and in-app support.

Development Loan
Up to 3 times member contributions
12 percent APR, up to 60 months
Example: KSh 1,944 per month on KSh 100,000 over 60 months
Guarantor required

Emergency Loan
Up to KSh 200,000
12 percent APR, 12 months
Example: KSh 8,885 per month on KSh 100,000
Same day approval for eligible members

School Fees Loan
Up to KSh 100,000
12 percent APR, 12 months
Paid directly to the institution

Early repayment is allowed with no penalties. Late payment terms and all fees are disclosed in app.

Account and Governance

Real time balance and statement access

Dividend payments after AGM approval

Secure authentication and encrypted data

Member only access

Operates under Kenyan cooperative law with independent audits and elected leadership

This app is available only to approved SACCO members.


## Version history (last 4 releases)

### 12.0.3 — 2026-03-23

Code fix and updates on loan application process

### 12.0.2 — 2026-03-18

Improvements on Loan Terms and Conditions layout, bug and fix across the app and introduction of Push notifications

### 12.0.1 — 2026-02-11

Updated terms and conditions

### 10.0.7 — 2026-02-07

No release notes.

## Related topics

[hakitume sacco](https://appshunter.io/ios/topics/hakitume-sacco)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-03-26.*