L Lewivest Empowerment SACCO

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Save consistently. Borrow responsibly. Grow together.

A simple member portal for savings visibility, loan-limit estimates and constitution acceptance.

Portal status Secure browser session

Member overview

Savings & borrowing dashboard

Estimate only: Final lending depends on available liquidity, Treasurer approval and guarantor cover.
Total savings AUD 0.00 KES 0.00 · Member accumulated savings
Normal borrowing limit AUD 0.00 KES 0.00 · Up to 3× savings
Restricted limit AUD 0.00 KES 0.00 · Restricted 1× limit
Guarantor cover required AUD 0.00 KES 0.00 · Required cover

Loan eligibility calculator

AUD ↔ KES
Active calculator currency AUD Australia programme uses AUD and converts results to KES.
Amounts entered in AUD will also be shown in KES at 1 AUD = KES 88.00.
Enter the member savings, requested amount and guarantor cover.

Fund protection model

SACCO
70% Available for loans
30% Cash reserve
  • Standard members save weekly; Gulf-region members follow a monthly salary cycle.
  • No loans during the first one-month savings-only period.
  • Gulf-region loans start from month two: 3 months at 8%, 6 months at 10%, or 12 months at 12.5%.
  • Interest and penalties are pooled for proportional year-end distribution.

Membership application

Join Lewivest Empowerment SACCO

Maximum membership: 11
This browser-only version is a secure prototype. Production applications must be sent to an encrypted backend and reviewed by an authorised SACCO officer.

Constitution summary

Important member information

01

Weekly saving

Every member contributes between AUD 50 and AUD 500 each week. A missed contribution attracts a fixed AUD 50 penalty deducted from savings.

02

Savings-only start

The first month is strictly for savings. No member loans may be issued during this initial period.

03

Borrowing limit

Members may normally borrow up to 3× accumulated savings, subject to liquidity, approval and sufficient guarantor commitments.

04

Guarantors

All loans require guarantors whose combined committed savings equal or exceed the requested loan amount.

05

Repayment

Initial loans run for one month at 8%. One rollover may be approved before the due date, followed by a five-day grace period.

06

Default recovery

After the grace and penalty timeline, recovery may proceed from the borrower’s savings and then guarantors’ committed savings.

07

Liquidity protection

Loans must not exceed 70% of total SACCO savings. At least 30% remains as a cash reserve.

08

Year-end returns

Interest and penalties are pooled and distributed proportionally according to each member’s total savings contributions.

09

Gulf monthly cycle

Kenyan members based in the Gulf save monthly, remain locked for the first month, and may borrow from month two.

10

Gulf loan terms

Available terms are 3 months at 8%, 6 months at 10%, and 12 months at 12.5%, subject to approval.

11

Affordable commitment

After Gulf loan approval, the monthly savings commitment may reduce so the member can meet both the scheduled repayment and continued savings.

Governance clarification required: Article 7 states a normal maximum of 3× savings, while Article 14.10 refers to a return to “normal” borrowing of up to 2× after restriction. Members should formally amend or clarify this before production use.

Update member savings