Kimisitu Money vs PayTracker

a. Withdrawal to MPESA- members can make withdrawal from FOSA account to their MPESA. b. MY Account- members can view details of their FOSA, BOSA, Loan Balance and Savings accounts Loans- When customer selects Loans, they will be taken to a menu with four items namely. Loan Enquiries. Loan requests Loan Application Status Loan repayment Loan Types -: i. Dividend discounting loan • A one-off interest of 7.5 % shall be charged upfront on the loan approved. • The amount applied shall not exceed 60% of the member’s previous year’s interest on deposits (dividends). • A member whose account is arrears/dormant/defaulter will not qualify for the loan through mobile however they can access only through applying online so that the arrears can be recovered from the dividends. • Guarantors whose deposits were offset during the year to reduce a defaulted loan shall qualify for a lesser amount. ii. M-Kimisitu Loan • Interest rate of 5% per month on reducing balance • Repayment period up to a maximum of 5 months • The monthly repayment is deducted from the salary payouts. • Top ups charge: of 2.5% of the Loan balance • Member can access a maximum of Kshs.100,000 or 80% of his member deposit whichever is lower • Interest is charged upfront but recovered monthly • In case of default the loan balance is recovered from member deposit c. Fund Transfer i. When a customer selects Fund transfers, they will be required to select from Swift transfer (RTGS) Electronic Funds Transfer (EFT) ii. The Fund transfer is segregated as follows: a. Internal Transfer • My Account – Member should be able to transfer to any savings account they have including shares. • Other Account – member can transfer to other members savings account internally. b. External – Member should see list of banks and enter beneficiary bank details. • Member should be able to select beneficiary. d. Deposits When a customer selects Deposits, the Applications displays accounts options for the customer to deposit to • FOSA • Savings Account • LUMPSUM • e. PAYBILL - Customers have an option to pay using Pay bill functionality. f. Change Password functionality-members can change their respective passwords. g. Logout functionality-members have an option of logging out once they are done with using the App.

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