Muungano Microfinance Bank. Together for Better.

What do you need today?

Pick a product below, or call us and we will guide you.

SaveAccounts and deposits BorrowBusiness, farm and personal loans *549#Bank from any phone Visit usBranches and phone numbers

Accounts

Save for a goal, for your children or for your group.

High interest earning accounts

Timiza Flexi SavingsTimiza Flexi SavingsContractual savings for your goals
Timiza Flexi Savings

Save toward school fees, maternity, a holiday, a wedding or assets.

Minimum balance
Kshs. 1,000
Deposits
Add any time
Interest
Attractive rates
Loan
Unsecured, against your deposit

Call 0709 768 500 to open an account.

Jiinue Fixed DepositJiinue Fixed DepositFixed term deposit
Jiinue Fixed Deposit
Deposit from
Kshs. 5,000
Type
Fixed term
Interest
Attractive rates

Call 0709 768 500 to open an account.

Savings accounts

Baraka Junior SavingsBaraka Junior SavingsFor children
Baraka Junior Savings

"Train them... and they shall not depart"

Opening balance
Kshs. 400
Interest
Earns interest
Withdrawals
Quarterly, free

Accounts with at least Kshs. 5,000 get a Teddy Bank at Kshs. 500 plus applicable tax.

Call 0709 768 500 to open an account.

Haba SavingsHaba SavingsDay to day savings
Haba Savings

"Haba na haba hujaza kibaba"

Minimum balance
Kshs. 400
Withdrawals
Unlimited
Interest
Earns interest

Call 0709 768 500 to open an account.

Muungano Investment AccountMuungano Investment AccountFor groups, chamas and associations
Muungano Investment Account

"Umoja ni Nguvu"

Minimum balance
Kshs. 1,000
Access
Deposit and withdraw at will
Interest
Earns interest

Call 0709 768 500 to open an account.

Current account

Sasa Transactional AccountSasa Transactional AccountEases business operations
Sasa Transactional Account
Minimum balance
None
Cheque book
Issued
Transactions
Unlimited

Call 0709 768 500 to open an account.

Loans

Business, farm and personal financing.

1.5% to 2%
interest per month on the principal amount

What you need

Loans above Kshs. 300,000 need tangible security: logbooks, title deeds, shares, stock or equity.

Business loans

Muungano Asset FinancingMuungano Asset FinancingFinance for business assets
Muungano Asset Financing

We finance

  • Commercial vehicles (trucks, vans, buses)
  • Commercial equipment and machinery
  • Agricultural machinery (processing machines, tractors, milk coolers)
  • Construction equipment (mixers, compactors)

Call 0709 768 500 to apply for a loan.

Muungano Boresha BiasharaMuungano Boresha BiasharaBorrow towards your business
Muungano Boresha Biashara

Borrow towards

  • Rental house improvement
  • Cheque discounting
  • Insurance premium financing
  • Rental income support
  • LPO financing
  • Working capital financing

Call 0709 768 500 to apply for a loan.

Muungano Vijana BoostMuungano Vijana BoostEmpowering the youth
Muungano Vijana Boost

Support through

  • Startup support
  • Working capital
  • Capacity building

Call 0709 768 500 to apply for a loan.

Muungano Mradi (Project) FinancingMuungano Mradi (Project) FinancingCommunity and institutional projects
Muungano Mradi (Project) Financing

Examples

  • School buses
  • Community water reservoir
  • Flexible repayment

Call 0709 768 500 to apply for a loan.

Muungano Rental BoostMuungano Rental BoostBoost your rental income
Muungano Rental Boost

Improve or finish rental houses to raise your rental income.

We finance

  • Renovation of existing rental houses
  • Finishing of incomplete rental houses
  • Rental income advance (landlords and agents)
  • Working capital

Call 0709 768 500 to apply for a loan.

Agri-business loans (Kilimo Kisasa)

Muungano Maziwa BoostMuungano Maziwa BoostDairy farming
Muungano Maziwa Boost

Maximize your milk production.

We finance

  • Best breed dairy cow
  • Zero grazing units
  • Quality animal feeds
  • Asset finance (milk related)
  • Domestic milk coolers
  • Water tanks
  • Motorbikes and motor vehicles

Flexible repayment period.

Call 0709 768 500 to apply for a loan.

Muungano Majani BoostMuungano Majani BoostTea farming
Muungano Majani Boost

Maximize your tea production.

We finance

  • Labour (tea picking)
  • Pickers housing improvement
  • Water tanks
  • Development loans (bonus based)

Flexible repayment period.

Call 0709 768 500 to apply for a loan.

Kuku BoostKuku BoostPoultry value chain
Kuku Boost

Poultry farming and the whole value chain.

We finance

  • Quality feeds
  • Quality chicks
  • Machinery (millers and mixers)
  • Veterinary and insurance costs
  • Modern structures and brooders
  • Feed manufacturers

Call 0709 768 500 to apply for a loan.

Muungano Avocado BoostMuungano Avocado BoostAvocado value chain
Muungano Avocado Boost

Avocado farming and the whole value chain.

We finance

  • Seedling propagation
  • Quality seedlings
  • Irrigation systems
  • Fertilizers and farm inputs
  • Transport, packaging, exporting and value addition

Call 0709 768 500 to apply for a loan.

Personal loans

Muungano Jijenge LoanMuungano Jijenge LoanFor regular earners
Muungano Jijenge Loan

We finance

  • Household assets: fridge, cooker, sofas
  • House improvement
  • Purchase of plots
  • Car purchase

Call 0709 768 500 to apply for a loan.

Muungano Okoa LoanMuungano Okoa LoanShort term loans for emergencies
Muungano Okoa Loan

Short term loans against milk and tea proceeds, and salary advances.

For emergencies such as

  • Wages
  • Veterinary services
  • Animal feeds
  • Insurance premiums
  • Hospitalization
  • School fees

Call 0709 768 500 to apply for a loan.

Muungano Golf FinancingMuungano Golf FinancingOwn clubs or pay your subscription
Muungano Golf Financing

Own brand-new golf clubs or pay your club subscription with ease.

Amount
70% of the cost
Tenure
Up to 12 months
Interest
Pocket friendly

Call 0709 768 500 to apply for a loan.

Digital financial services

Bank without visiting a branch.

Muungano PopoteMuungano PopoteBank anytime, anywhere
Muungano Popote

Ways to bank with us

  • USSD / mobile app: dial *549#
  • Internet banking
  • Agency banking
  • Cheque book

Call 0709 768 500 to ask about digital banking.

Branches and offices

Tap a branch to call it.

KangariEastEnd Mall, Ground Floor0709 768 500Head OfficeEastEnd Mall, Fourth Floor, Kangari0706 947 747DelviewSabby Strip Plaza, Murang'a County0709 768 530GaturaElipar Plaza, Ground Floor0709 768 520KenolEagle Nest Plaza, Murang'a County0709 768 550Ndunyu ChegeKesma Plaza, Murang'a County0709 768 540Ngara Liaison OfficeNgara Heights, 7th Floor, Nairobi0706 974 343
Emergency after office hours: 0706 549 549
Call usFind a branch
0706974747
info@muunganomfbank.co.ke
WhatsApp Image 2024-08-12 at 10.31.35 AM
Muungano Jijenge loan
previous arrowprevious arrow
next arrownext arrow
Shadow

WHO WE ARE?

Overview

Muungano Microfinance Bank PLC is licensed and regulated by the Central Bank of Kenya subject to the provisions of the Microfinance Act and Regulations.

The National License; granted in October 2024 authorizes Muungano Microfinance Bank to conduct banking business in Kenya in response to Vision 2030 on Financial Inclusion, MDG, and SDG Agenda No. 1 on poverty alleviation and as a contributor to one of the Key attributes under the Big 4 Agenda; Food Security.

Muungano Microfinance Bank is the 14th overall and the first Microfinance Bank to be headquartered in a rural setting, in Kangari township, Kigumo Sub-county of Murang'a County.

The Bank's main objective is to facilitate improvement of the agri-business sector focusing mainly on Dairy and Tea Value chains. The Bank contributes immensely towards capacity building through various partnerships to ensure farmers do their best to boost productivity and maximize related income.

Besides the agri-business sector, the Bank supports retail business, and personal/consumer loans among others, and promotes savings and investment.

Licensed & regulated by CBK

Vision

To create a community of people who are economically and socially empowered.

Mission

To be the base for establishing sustainable socio-economically empowered community.

Core Values

Integrity · Transparency · Accountability · Consistency · Professionalism · Customer-Centricity · Innovation

Our Products

Hover over a card to learn more

Current Account

Sasa Transactional Account
Sasa Transactional Account

Eases business operations with a full-service current account.

  • No minimum balance
  • Cheque book issued
  • Unlimited deposits & withdrawals

Savings Accounts

Timiza Flexi Savings
Timiza Flexi Savings

Actualize your dream with contractual flexi-savings — school fees, maternity, holiday, wedding, assets.

  • Additional deposits allowed
  • Attractive interest rates
  • Unsecured loan against deposit
Jiinue Fixed Deposit
Jiinue Fixed Deposit

Fixed term deposit account for guaranteed returns.

  • From as low as Ksh 5,000
  • Attractive interest rates
Baraka Junior Savings
Baraka Junior Savings

"Train them... and they shall not depart." Savings for children.

  • Attractive interest rates
  • Quarterly free withdrawal
  • Comes with a teddy bank to promote saving culture
Haba Savings Account
Haba Savings Account

Day to day savings — "Haba na haba hujaza kibaba."

  • Unlimited withdrawals
  • Attractive interest rates
  • minimum balance-ksh 400
Muungano Investment Account
Muungano Investment Account

"Umoja ni Nguvu." For Groups, Chamas & Associations.

  • Deposit & withdraw at will
  • Attractive interest rates

Business Loans

Muungano Boresha Biashara
Muungano Boresha Biashara

A complete business financing solution covering assets, working capital, and rental property.

Asset Financing
  • Commercial vehicles (trucks, vans & buses)
  • Commercial equipment/machinery
  • Agricultural machinery
  • Construction equipment
Working Capital & Business Support
  • Cheque discounting
  • Insurance premium financing
  • LPO financing
Rental Boost
  • Renovation of existing rentals
  • Finishing incomplete rentals
  • Rental income advance
Muungano Vijana Boost
Muungano Vijana Boost

Economically empowering the youth through:

  • Startup support
  • Working capital
  • Capacity building
Muungano Mradi (Project) Financing
Muungano Mradi (Project) Financing

Community/Institutional Project Financing, e.g.:

  • School buses
  • Community water reservoirs
  • Flexible repayment

Agri-Business Loans (Kilimo Kisasa)

Muungano Maziwa Boost
Muungano Maziwa Boost Loan

Maximize milk production through financing of:

  • Best breed dairy cows
  • Veterinary & insurance costs
  • Zero grazing units & quality feeds
  • Milk coolers
Muungano Majani Boost
Muungano Majani Boost - Tea Farming

Maximize tea production through financing of:

  • Labour & tea picking
  • Pickers' housing improvement
  • Bonus-based development loans
Kuku Boost
Kuku Boost - Poultry Value Chain

We finance poultry farming and the value chain:

  • Quality feeds & chicks
  • Water tanks
  • Veterinary & insurance costs
  • Modern structures & brooders
Muungano Avocado Boost
Muungano Avocado Boost

We finance avocado farming and the value chain:

  • Seedling propagation & purchase
  • Irrigation systems
  • Fertilizers & farm inputs
  • Transport, packaging & export

Personal Loans

Muungano Jijenge Loan
Muungano Jijenge Loan

Boosting self-image for regular earners. We finance:

  • Household assets (fridge, cooker, sofas)
  • Self improvement
  • Purchase of plots
Muungano Okoa Loan
Muungano Okoa Loan

Short-term loans and salary advances to handle emergencies:

  • Wages
  • Animal feeds & insurance premiums
  • Hospitalization & school fees
Muungano Golf Financing
Muungano Golf Financing

Own brand-new golf clubs or pay your club subscription with ease.

  • Amount: 70% of cost
  • Tenure: up to 12 months
  • Pocket-friendly interest

Digital Financial Services

Muungano Popote
Muungano Popote - Agency Banking

Deposit and withdraw cash conveniently at our growing network of agents close to home and beyond regular banking hours.

  • Click to view agents near you

    • Muungano Popote
    Muungano Popote - Mobile Banking

    Dial *549# to;

    • check balances
    • transfer funds
    • pay bills
    • withdraw or deposit cash
    • Muungano Popote - Mobile Banking Upcoming.
    Muungano Popote
    Muungano Popote - Internet Banking

    Upcoming.

    Branches / Offices

    Head Office

    Head Office

    EastEnd Mall | Fourth Floor | P.O Box 355-10218 | Kangari | Murang'a County.

    • Tel: 0706-974-747
    • Email: info@muunganomfbank.co.ke
    • Website: www.muunganomfbank.co.ke
    Get Directions

    Kangari

    EastEnd Mall | Ground Floor | P.O Box 355-10218 | Kangari | Murang'a County.

    • Tel: 0709-768-500
    • Email: info@muunganomfbank.co.ke
    • Website: www.muunganomfbank.co.ke
    Get Directions

    Ngara

    Liaison Office | Ngara Heights | 7th Floor | Nairobi County.

    • Tel: 0709-768-500
    • Email: info@muunganomfbank.co.ke
    • Website: www.muunganomfbank.co.ke
    Get Directions

    Gatura

    Eliper Hotel | Ground Floor | P.O Box 355-10218 | Kangari | Murang'a County.

    • Tel: 0709-768-520
    • Email: info@muunganomfbank.co.ke
    • Website: www.muunganomfbank.co.ke
    Get Directions

    Delview

    Sabby Strip Plaza | Murang'a County.

    • Tel: 0709-768-530
    • Email: info@muunganomfbank.co.ke
    • Website: www.muunganomfbank.co.ke
    Get Directions

    Ndunyu Chege

    Kesma Plaza | Murang'a County.

    • Tel: 0709-768-540
    • Email: info@muunganomfbank.co.ke
    • Website: www.muunganomfbank.co.ke
    Get Directions

    Kenol

    Eagle Nest Plaza | Murang'a County.

    • Tel: 0709-768-550
    • Email: info@muunganomfbank.co.ke
    • Website: www.muunganomfbank.co.ke
    Get Directions
    WhatsApp
    Copyright © 2026 Muungano Microfinance Bank | by ICT & Communications department .