Empowering Growth, Transforming Lives
Providing disciplined credit facilities, structured wealth management, and enterprise-grade financial tracking for our esteemed members.
KSh 2.4B
Total Managed Assets12.5%
Avg. Annual Yield98.2%
Loan Recovery RateTier 1
Regulatory ComplianceStructured Credit Facilities
Nufaika International provides highly competitive, transparent loan products tailored for small and medium enterprises, offering flexible weekly repayment terms, transparent fee structures, and fast disbursements.
Business Loan
Business Loan Facility
Designed for established businesses requiring capital injection for inventory, operational expansion, or equipment procurement.
- Maximum Facility KSh 30,000
- Interest Rate 15.0% Flat
- Repayment Term 15, 20, or 25 Weeks
- Processing Fee 4.5%
- Top-Up Feature Eligible from Week 8
Small Loan
Small Loans Facility
Quick, flexible working capital facility designed to meet immediate business cash flow needs for ongoing members.
- Maximum Facility KSh 15,000
- Interest Rate 15.0% Flat
- Repayment Term Fixed 10 Weeks
- Processing Fee 3.5%
- Qualification 2nd Business Loan Cycle
Multi-Facility
Multi-Facility & Top-Up
Dual-facility access allowing eligible members to hold both a Business and Small Loan simultaneously with transparent terms.
- Accounting Method Reducing Balance Schedule
- Guarantor Policy 1 Guarantor for both loans
- Requirement Physical Business Location
- Admission Fee KES 500 (M-Pesa STK)
- Inactivity Rule 60-Day Active Window
Institutional Wealth Management
Our cooperative framework ensures member deposits are managed with strict fiduciary responsibility, yielding substantial, consistent dividends.
Share Capital (Equity)
Core institutional equity granting members voting rights and annual dividends. Minimum statutory contribution required for all active members. Historical returns average 12-15% annually.
Standard Savings Deposits
Highly liquid deposits used as multipliers for credit facility applications. Savings dictate maximum loan thresholds (typically 3x savings multiplier) and earn conservative monthly interest.
Fixed Deposit Accounts
Locked capital reserves yielding premium interest rates. Available for terms of 3, 6, 12, or 24 months with guaranteed returns independent of cooperative operational performance.
Audit & Compliance
Our operations undergo strict quarterly external audits. The digital portal provides members with real-time, immutable transaction ledgers and automated statement generation for absolute transparency.
Initiate Your Membership
Join an institution that prioritizes financial discipline, growth, and transparency. Complete the preliminary application to begin the onboarding process.