{"id":443,"date":"2023-08-17T08:03:25","date_gmt":"2023-08-17T05:03:25","guid":{"rendered":"https:\/\/demosites.royal-elementor-addons.com\/nature-v2\/?page_id=19"},"modified":"2026-09-01T11:42:06","modified_gmt":"2026-09-01T08:42:06","slug":"services","status":"publish","type":"page","link":"https:\/\/esseysacco.com\/am\/services\/","title":{"rendered":"\u12a0\u1308\u120d\u130d\u120e\u1276\u127b\u127d\u1295"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"443\" class=\"elementor elementor-443\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c29a3c5 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"c29a3c5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c7f4bb6\" data-id=\"c7f4bb6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b1faa16 elementor-widget elementor-widget-heading\" data-id=\"b1faa16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u12a0\u1308\u120d\u130d\u120e\u1276\u127b\u127d\u1295<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a9149f1 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"a9149f1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wide\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-94e82ae\" data-id=\"94e82ae\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c78a690 elementor-widget elementor-widget-image\" data-id=\"c78a690\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"731\" height=\"491\" src=\"https:\/\/esseysacco.com\/wp-content\/uploads\/2026\/05\/saving.jpg\" class=\"attachment-full size-full wp-image-722\" alt=\"\" srcset=\"https:\/\/esseysacco.com\/wp-content\/uploads\/2026\/05\/saving.jpg 731w, https:\/\/esseysacco.com\/wp-content\/uploads\/2026\/05\/saving-300x202.jpg 300w\" sizes=\"(max-width: 731px) 100vw, 731px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9ce52b1\" data-id=\"9ce52b1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c7e4f6 elementor-widget elementor-widget-heading\" data-id=\"3c7e4f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">\u1241\u1320\u1263<\/h1>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-096e0db e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"096e0db\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aa7bbb8 elementor-widget elementor-widget-text-editor\" data-id=\"aa7bbb8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3>\u00a0 \u00a0 \u00a01.\u00a0 Regular Savings<\/h3><p class=\"translation-block\">\u1260\u12e8\u12c8\u1229 \u1262\u12eb\u1295\u1235 500 \u1265\u122d \u12c8\u12ed\u121d \u12a8\u12c8\u122d\u1203\u12ca \u1308\u1262\u12ce 10% \u1218\u1246\u1320\u1265 \u12ed\u1296\u122d\u1265\u12ce\u1273\u120d\u1362<\/p><h3>\u00a0 \u00a0 \u00a02.\u00a0 Voluntary\/Flexible Savings<\/h3><p>\u12a0\u1295\u12f5 \u12a0\u1263\u120d \u12a8\u1218\u12f0\u1260\u129b \u1241\u1320\u1263 \u1260\u1270\u1328\u121b\u122a \u12e8\u134d\u120b\u130e\u1275 \u1241\u1320\u1263 \u1218\u1246\u1320\u1265 \u12ed\u127d\u120b\u120d\u1361\u1361 \u12e8\u134d\u120b\u130e\u1275 \u1241\u1320\u1263 \u12e8\u1348\u1208\u1308\u12cd\u1295 \u12eb\u12ad\u120d \u12e8\u1265\u122d \u1218\u1320\u1295 \u1260\u1348\u1208\u1308\u12cd \u130a\u12dc \u1218\u1246\u1320\u1265\u1293 \u12ed\u1205\u1295\u1295\u121d \u1241\u1320\u1263 \u1260\u121b\u1295\u129b\u12cd\u121d \u130a\u12dc \u12c8\u132a \u121b\u12f5\u1228\u130d \u12ed\u127d\u120b\u120d\u1361\u1361<\/p><h3>\u00a0 \u00a0 \u00a03.\u00a0 \u00a0Fixed Time Deposits<\/h3><p class=\"translation-block\">\u12a0\u1263\u1209 \u12a8\u1285\u1265\u1228\u1275 \u1225\u122b \u121b\u1205\u1260\u1229 \u130b\u122d \u1260\u121a\u1308\u1263\u12cd \u12cd\u120d \u1218\u1230\u1228\u1275 \u1260\u1285\u1265\u1228\u1275 \u1225\u122b \u121b\u1205\u1260\u1229 \u12cd\u1235\u1325 \u1208\u1270\u12c8\u1230\u1290 \u130a\u12dc \u12c8\u132a \u1233\u12eb\u12f0\u122d\u130d \u12e8\u121a\u1240\u1218\u1325\u1293 \u1260\u1270\u1320\u12e8\u1240 \u130a\u12dc \u1260\u1235\u121d\u121d\u1290\u1271 \u1218\u1220\u1228\u1275 \u12e8\u121a\u12a8\u1348\u120d \u12e8\u1241\u1320\u1263 \u12d3\u12ed\u1290\u1275 \u1206\u1296 \u12a8\u120c\u120e\u127d \u12e8\u1241\u1320\u1263 \u12a0\u12ed\u1290\u1276\u127d \u1260\u1270\u1208\u12ec \u1218\u120d\u12a9 \u1320\u1240\u121d \u12eb\u1208 \u12c8\u1208\u12f5 \u12e8\u121a\u1273\u1230\u1265\u1260\u1275 \u12e8\u1241\u1320\u1263 \u12d3\u12ed\u1290\u1275 \u1290\u12cd\u1361\u1361<\/p><h3>\u00a0 \u00a0 \u00a04.\u00a0 \u00a0Loan-Linked Savings<\/h3><p>\u1208\u1270\u12c8\u1230\u1291 \u12e8\u1265\u12f5\u122d \u12a5\u1293 \u134b\u12ed\u1293\u1295\u1235 \u12a0\u1245\u122d\u1266\u1276\u127d \u1265\u1241 \u12a5\u1295\u12f2\u1206\u1291 \u1273\u1235\u1260\u12cd \u12e8\u1270\u12d8\u130b\u1301\u1363 \u12e8\u12a5\u122d\u1235\u12ce\u1295 \u134d\u120b\u130e\u1275 \u1218\u1230\u1228\u1275 \u12eb\u12f0\u1228\u1309 \u12e8\u1241\u1320\u1263 \u12a5\u1245\u12f6\u127d \u12e8\u121a\u12a8\u1270\u1209\u1275\u1295 \u12eb\u12ab\u1275\u1273\u1209\u1366<\/p><ul><li>\u12e8\u12a0\u1290\u1235\u1270\u129b \u1295\u130d\u12f5 \u1235\u122b \u12a5\u1293 \u12e8\u1262\u12dd\u1290\u1235 \u1265\u12f5\u122d \u121b\u121f\u12eb \u1241\u1320\u1263<\/li><li>\u1208\u1264\u1275 \u1218\u130d\u12e3\/\u1218\u1235\u122a\u12eb \u1265\u12f5\u122d \u12e8\u121a\u12eb\u1260\u1243 \u1241\u1320\u1263<\/li><li>\u12e8\u130d\u120d \u12a5\u1293 \u12e8\u1238\u121b\u127e\u127d (\u12e8\u134d\u1306\u1273 \u12d5\u1243\u12ce\u127d) \u1265\u12f5\u122d \u121b\u121f\u12eb \u1241\u1320\u1263\u1366<\/li><\/ul><h3>\u00a0 \u00a0 \u00a05.\u00a0 \u00a0Children\u2019s Savings<\/h3><p class=\"translation-block\">\u12e8\u1285\u1265\u1228\u1275 \u1225\u122b \u121b\u1205\u1260\u1229 \u12a0\u1263\u120b\u1275 \u120d\u1306\u127d\u1293 \u1260\u12a0\u1233\u12f3\u130a\u12ce\u127b\u1278\u12cd \u1235\u122d \u12eb\u1209 \u1206\u1290\u12cd \u12e8\u1241\u1320\u1263\u1295 \u1263\u1205\u120d \u12a5\u1295\u12f0 \u120d\u121d\u12f5 \u12ed\u12d8\u12cd \u12a5\u1295\u12f2\u12eb\u12f5\u1309 \u12eb\u1208\u121d\u1295 \u12a0\u1308\u120d\u130d\u120e\u1275 \u12ad\u134d\u12eb \u1270\u1320\u1243\u121a \u12ed\u1206\u1293\u1209 \u12d5\u12f5\u121c\u12eb\u1278\u12cd 18 \u12d3\u1218\u1275 \u1232\u121e\u120b\u1278\u12cd \u12e8\u12a0\u1308\u120d\u130d\u120e\u1275 \u12ad\u134d\u12eb \u1233\u12ed\u12a8\u134d\u1209 \u12a0\u1263\u120d \u12ed\u1206\u1293\u1209\u1361\u1361<\/p><h3>\u00a0 \u00a0 \u00a06.\u00a0 \u00a0Non-Interest Bearing Accounts<\/h3><p>\u1260\u12a0\u1263\u1209 \u12e8\u130b\u122b \u1235\u121d\u121d\u1290\u1275 \u12a5\u1293 \u120d\u12e9 \u134d\u120b\u130e\u1275 \u12c8\u12ed\u121d \u1203\u12ed\u121b\u1296\u1273\u12ca \u121d\u122d\u132b \u120b\u12ed \u1260\u1218\u1218\u1235\u1228\u1275\u1363 \u121b\u1205\u1260\u1229 \u1260\u1270\u1240\u121b\u132d \u1308\u1295\u12d8\u1265 \u120b\u12ed \u121d\u1295\u121d \u12d3\u12ed\u1290\u1275 \u12c8\u1208\u12f5 \u12e8\u121b\u12ed\u1273\u1230\u1265\u1263\u1278\u12cd \u12c8\u12ed\u121d \u12e8\u121b\u12ed\u12a8\u1348\u120d\u1263\u1278\u12cd \u12e8\u1202\u1233\u1265 \u12d3\u12ed\u1290\u1276\u127d\u1295 \u12eb\u1240\u122d\u1263\u120d\u1362<\/p><h3>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u12e8\u1241\u1320\u1263 \u12c8\u1208\u12f5<\/h3><p class=\"translation-block\">\u12a0\u1295\u12f5 \u12a0\u1263\u120d \u1208\u1246\u1320\u1260\u12cd \u1218\u12f0\u1260\u129b \u1241\u1320\u1263 \u1260\u12d3\u1218\u1275 7 \u1260\u1218\u1276\u1363 \u1208\u134d\u120b\u130e\u1275 \u1241\u1320\u1263 7.25 \u1260\u1218\u1276 \u12a5\u1295\u12f2\u1201\u121d \u1208\u1205\u1343\u1293\u1275 \u1241\u1320\u1263 7.5 \u1260\u1218\u1276 \u1363\u1208\u130a\u12dc \u1308\u12f0\u1265 \u1241\u1320\u1263 \u12a87.5 \u12a5\u1235\u12a8 12 \u1260\u1218\u1276 \u12e8\u1270\u1240\u121b\u132d \u12c8\u1208\u12f5 \u12ed\u1273\u1230\u1265\u1208\u1273\u120d\u1361\u1361<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9c70320 e-grid e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"9c70320\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<img decoding=\"async\" class=\"e-image-base\" data-interaction-id=\"e567074\" id=\"777\" src=\"https:\/\/esseysacco.com\/wp-content\/uploads\/2026\/05\/Gemini_Generated_Image_e3blfye3blfye3bl.jpg\" width=\"1376\" height=\"768\" srcset=\"https:\/\/esseysacco.com\/wp-content\/uploads\/2026\/05\/Gemini_Generated_Image_e3blfye3blfye3bl.jpg 1376w, https:\/\/esseysacco.com\/wp-content\/uploads\/2026\/05\/Gemini_Generated_Image_e3blfye3blfye3bl-300x167.jpg 300w, https:\/\/esseysacco.com\/wp-content\/uploads\/2026\/05\/Gemini_Generated_Image_e3blfye3blfye3bl-1024x572.jpg 1024w, https:\/\/esseysacco.com\/wp-content\/uploads\/2026\/05\/Gemini_Generated_Image_e3blfye3blfye3bl-768x429.jpg 768w\" alt=\"\"\/>\t\t\t\t<div class=\"elementor-element elementor-element-c90f50e elementor-widget elementor-widget-text-editor\" data-id=\"c90f50e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>\u1265\u12f5\u122d<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9b9d09b e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"9b9d09b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-95a3926 elementor-widget elementor-widget-text-editor\" data-id=\"95a3926\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ol><li style=\"text-align: justify; line-height: 150%;\"><b>\u00a0 Small Business Loans:<\/b> To support members starting a new venture or expanding an existing business,<\/li><\/ol><p style=\"text-align: justify; line-height: 150%;\">Essey provides accessible business financing. To qualify, members are required to save <b>25%<\/b> of their desired loan amount consistently for <b>three (3)\u00a0 \u00a0consecutive months<\/b> prior to their application.<\/p><p style=\"text-align: justify; line-height: 150%;\"><b>\u00a0 \u00a0 \u00a02.\u00a0 \u00a0 Housing Loans:<\/b> Whether you are looking to purchase, construct, renovate, or make a down payment on a home, our housing loan is designed for you. Members can access this service by consistently saving <b>25%<\/b> of the requested loan amount for <b>six (6) consecutive months<\/b> without interruption.<\/p><p style=\"text-align: justify; line-height: 150%;\"><b>\u00a0 \u00a0 3.\u00a0 \u00a0 Vehicle Loans:<\/b> For members aiming to purchase a vehicle,<\/p><p style=\"text-align: justify; line-height: 150%;\">Essey offers specialized automobile financing. To be eligible for this service, members must save <b>30%<\/b> of the total loan amount consistently over a period of <b>six (6) consecutive months<\/b>.<\/p><p style=\"text-align: justify; line-height: 150%;\"><b>\u00a0 \u00a04.\u00a0 \u00a0 Consumer Loans:<\/b> Designed to meet various social and economic needs, our consumer loans help members cover personal expenses. This service is available to members who have saved <b>25%<\/b> of the loan amount for <b>three (3) <\/b><b>consecutive months<\/b> without interruption.<\/p><p style=\"text-align: justify; line-height: 150%;\"><b>\u00a0 5.\u00a0 \u00a0 Special Loans:<\/b> Essey provides &#8220;Special Loans&#8221; for urgent, time-sensitive matters that cannot be addressed through\u00a0the standard loan processing cycle. These loans are specifically designed for critical needs such as <b>commercial rent payments<\/b>, <b>annual income tax<\/b><b>obligations<\/b>, <b>emergency medical expenses<\/b>, and <b>tuition fees for international education opportunities<\/b>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c9a23e6 e-con e-atomic-element e-flexbox-base e-1bee8b2\" data-id=\"c9a23e6\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c9a23e6\">\n    \t\t<div class=\"elementor-element elementor-element-2ca737d elementor-widget elementor-widget-text-editor\" data-id=\"2ca737d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u25aa\t\u12e8\u1235\u120d\u1320\u1293\u1293 \u12e8\u121b\u121b\u12a8\u122d \u12a0\u1308\u120d\u130d\u120e\u1275<\/h3><p>\u12a5\u1230\u12ed \u12e8\u1308\u1295\u12d8\u1265 \u1241\u1320\u1263\u1293 \u1265\u12f5\u122d \u1205\u1265\u1228\u1275 \u1235\u122b \u121b\u1205\u1260\u122d \u1208\u12a0\u1263\u1209\u1293 \u1260\u12a0\u120b\u1209 \u12d9\u122a\u12eb \u120b\u1209 \u12e8\u1205\u1265\u1228\u1270\u1230\u1265 \u12ad\u134d\u120e\u1275 \u1270\u12a8\u1273\u1273\u12ed\u1290\u1275 \u12eb\u1208\u12cd \u1275\u121d\u1205\u122d\u1363\u1235\u120d\u1320\u1293 \u12a5\u1293 \u12e8\u121b\u121b\u12a8\u122d \u1235\u122b\u12ce\u127d\u1295 \u12ed\u1230\u122b\u120d\u1361\u1361<\/p><ul><li>\u00a0 \u1260\u1241\u1320\u1263\u1293 \u1265\u12f5\u122d \u12d9\u122a\u12eb \u130d\u1295\u12db\u1264 \u1218\u134d\u1320\u122d<\/li><li>\u00a0 \u12e8\u1265\u12f5\u122d \u12a0\u1320\u1243\u1240\u121d\u1293 \u12a0\u1218\u120b\u1208\u1235<\/li><li>\u00a0 \u12e8\u1295\u130d\u12f5 \u1235\u122b \u12a0\u1218\u122b\u122d<\/li><li>\u00a0 \u12e8\u12a0\u12cb\u132d\u1290\u1275 \u1325\u1293\u1275<\/li><li>\u00a0 \u12e8\u1202\u1233\u1265 \u12a0\u12eb\u12eb\u12dd<\/li><li>\u00a0 \u1260\u1295\u130d\u12f5 \u1235\u122b \u12a5\u1245\u12f5 \u12a5\u1293 \u1270\u12eb\u12eb\u12e5\u1290\u1275 \u1263\u120b\u1278\u12cd \u12d9\u122a\u12eb \u1260\u1242 \u1235\u120d\u1320\u1293\u12ce\u127d\u1295 \u12a5\u1293 \u12e8\u121b\u121b\u12a8\u122d \u1235\u122b\u12ce\u127d\u1295 \u12ed\u1230\u1323\u120d\u1361\u1361<\/li><\/ul><h3>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u12e8\u1265\u12f5\u122d \u1218\u1235\u1348\u122d\u1276\u127d<\/h3><ul><li>\u00a0 \u12e8\u121b\u1285\u1260\u1229 \u12a0\u1263\u120d \u1218\u1206\u1295<\/li><li>\u00a0 \u12a83 \u12a5\u1235\u12a8 6 \u12c8\u122b\u1275 \u1241\u1320\u1263 \u1218\u1246\u1320\u1265<\/li><li>\u00a0 \u12e8\u1308\u1262 \u121b\u1235\u1228\u1303 \u12a5\u1293 \u12cb\u1235\u1275\u1293 \u121b\u1245\u1228\u1265 \u12e8\u121a\u127d\u120d<\/li><li>\u00a0 \u12e8\u1273\u12f0\u1230 \u1218\u1273\u12c8\u1242\u12eb \u12a5\u1293 \u134b\u12ed\u12f3 \u1218\u1273\u12c8\u1242\u12eb \u121b\u1245\u1228\u1265 \u12e8\u121a\u127d\u120d<\/li><li>\u00a0 \u12e8\u1270\u1260\u12f3\u122a\u12cd \u12a5\u1293 \u12e8\u12cb\u1231 \u12e8\u1273\u12f0\u1230 \u12eb\u1308\u1263 \u12eb\u120b\u1308\u1263  \u1230\u122d\u1275\u134a\u12ac\u1275 \u121b\u121d\u1323\u1275 \u12e8\u121a\u127d\u120d<\/li><li>\u00a0 \u1208\u1295\u130d\u12f5 \u12a8\u1206\u1290 \u12e8\u1273\u12f0\u1230 \u1295\u130d\u12f5 \u134d\u1243\u12f5\u1363 \u12e8\u130d\u1265\u122d \u12a8\u134b\u12ed \u1230\u122d\u1275\u134a\u12ac\u1275 \u12a5\u1293 \u12e8\u1264\u1275 \u12aa\u122b\u12ed \u12cd\u120d<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\n<\/div>\n\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-08df8e3 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"08df8e3\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7e2a933\" data-id=\"7e2a933\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-75e4383 elementor-widget elementor-widget-heading\" data-id=\"75e4383\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u1260\u1270\u12f0\u130b\u130b\u121a \u12e8\u121a\u1320\u12e8\u1241 \u1325\u12eb\u1244\u12ce\u127d<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c56f98 elementor-widget elementor-widget-text-editor\" data-id=\"1c56f98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u12e8\u1270\u12c8\u1230\u1291 \u1325\u12eb\u1244 \u12a5\u1293 \u1218\u120d\u1236\u127d \u1235\u1208 \u12a5\u1230\u12ed \u12a5\u1293 \u12a0\u1320\u1243\u120b\u12ed \u1241\u1320\u1263 \u12a5\u1293 \u1265\u12f5\u122d \u1205\/\u1235\/\u121b\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-90e5d13 wpr-advanced-accordion-icon-no-box elementor-widget elementor-widget-wpr-advanced-accordion\" data-id=\"90e5d13\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;active_item&quot;:1}\" data-widget_type=\"wpr-advanced-accordion.default\">\n\t\t\t\t\t\n            <div class=\"wpr-advanced-accordion\" data-accordion-type=\"accordion\" data-active-index=\"1\" data-accordion-trigger=\"click\" data-interaction-speed=\"0.4\">\n\n\t\t\t\n                \n\t\t\t\t\t<div class=\"wpr-accordion-item-wrap\">\n\t\t\t\t\t\t<button class=\"wpr-acc-button\">\n\t\t\t\t\t\t\t<span class=\"wpr-acc-item-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-title-icon\">\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"wpr-acc-title-text\">\u12e8\u1241\u1320\u1263\u1293 \u1265\u12f5\u122d \u1285\u1265\u1228\u1275 \u1225\u122b \u121b\u1205\u1260\u122d \u1260\u1275\u12ad\u12ad\u120d \u121d\u1295\u12f5\u1295 \u1290\u12cd? \u12a8\u1263\u1295\u12ad\u1235 \u1260\u121d\u1295 \u12ed\u1208\u12eb\u120d?<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-close\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-open\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-up\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"wpr-acc-panel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-panel-content\"><p>\u12e8\u1241\u1320\u1263\u1293 \u1265\u12f5\u122d \u1285\u1265\u1228\u1275 \u1225\u122b \u121b\u1205\u1260\u122d \u121b\u1208\u1275 \u12a0\u1263\u120b\u1275 \u1260\u1270\u1218\u1323\u1323\u129d \u12c8\u1208\u12f5 \u12a5\u122d\u1235 \u1260\u122d\u1235 \u1265\u12f5\u122d \u1208\u1218\u1235\u1320\u1275 \u12a5\u1295\u12f2\u127d\u1209 \u1241\u1320\u1263\u1278\u12cd\u1295 \u1260\u12a0\u1295\u12f5 \u120b\u12ed \u12e8\u121a\u12eb\u12a8\u121b\u1279\u1260\u1275\u1363 \u1260\u12a0\u1263\u120b\u1275 \u1263\u1208\u1264\u1275\u1290\u1275 \u12e8\u121a\u1218\u122b \u12a5\u1293 \u1260\u12a0\u1263\u120b\u1275 \u12e8\u121a\u1270\u12f3\u12f0\u122d \u12e8\u134b\u12ed\u1293\u1295\u1235 \u1285\u1265\u1228\u1275 \u1225\u122b \u121b\u1205\u1260\u122d \u1290\u12cd\u1362<\/p><p class=\"translation-block\">\u12cb\u1293\u12cd \u120d\u12e9\u1290\u1275\n\n\u12e8\u1295\u130d\u12f5 \u1263\u1295\u12ae\u127d \u1260\u12cb\u1293\u1290\u1275 \u12e8\u121a\u1295\u1240\u1233\u1240\u1231\u1275 \u12a8\u12cd\u132d \u1208\u121a\u1218\u1321 \u1263\u1208\u1200\u1265\u1276\u127b\u1278\u12cd (\u1263\u1208\u12d5\u1323\u12ce\u127d) \u1275\u122d\u134d \u1208\u121b\u1235\u1308\u1298\u1275 \u1290\u12cd\u1362 \u1260\u120c\u120b \u1260\u12a9\u120d \u130d\u1295\u1363 \u12e8\u1241\u1320\u1263\u1293 \u1265\u12f5\u122d \u1285\u1265\u1228\u1275 \u1225\u122b \u121b\u1205\u1260\u122b\u1275 (SACCOs) \u12e8\u121a\u1220\u1229\u1275 \u1208\u1275\u122d\u134d \u1233\u12ed\u1206\u1295 \u1208\u12a0\u1308\u120d\u130d\u120e\u1275 \u1260\u121a\u120d \u1218\u122d\u1205 \u1290\u12cd\u1362 \u12a0\u1295\u12f5 \u12e8\u1241\u1320\u1263\u1293 \u1265\u12f5\u122d \u121b\u1205\u1260\u122d \u1260\u1260\u1300\u1275 \u12d3\u1218\u1271 \u1218\u1328\u1228\u123b \u120b\u12ed \u12e8\u121a\u12eb\u1308\u1298\u12cd \u121b\u1295\u129b\u12cd\u121d \u1275\u122d\u134d (\u1275\u122d\u134d \u12ad\u134d\u12eb) \u1260\u1240\u1325\u1273 \u1208\u122b\u1233\u1278\u12cd \u1208\u12a0\u1263\u120b\u1271 \u1260\u1270\u1240\u121b\u132d \u1308\u1295\u12d8\u1265 \u12c8\u1208\u12f5 \u12a5\u1293 \u1260\u12d5\u1323 \u12ad\u134d\u134d\u120d \u1218\u120d\u12ad \u1270\u1218\u120b\u123d \u12ed\u12f0\u1228\u130b\u120d\u1362<\/p><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n                    <\/div>\n\n                \n\t\t\t\t\t<div class=\"wpr-accordion-item-wrap\">\n\t\t\t\t\t\t<button class=\"wpr-acc-button\">\n\t\t\t\t\t\t\t<span class=\"wpr-acc-item-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-title-icon\">\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"wpr-acc-title-text\">\u1260\"\u12d5\u1323 \u12ab\u1352\u1273\u120d\" (Share Capital) \u12a5\u1293 \u1260\"\u12a0\u1263\u120d \u1241\u1320\u1263\" (Member Deposits) \u1218\u12ab\u12a8\u120d \u12eb\u1208\u12cd \u120d\u12e9\u1290\u1275 \u121d\u1295\u12f5\u1295 \u1290\u12cd?<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-close\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-open\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-up\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"wpr-acc-panel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-panel-content\"><p class=\"translation-block\">\u12e8\u12d5\u1323 \u12ab\u1352\u1273\u120d (Share Capital)\u1366 \u12ed\u1205 \u1260\u121b\u1205\u1260\u1229 \u12cd\u1235\u1325 \u12eb\u1208\u12ce\u1275\u1295 \u12e8\u1263\u1208\u1264\u1275\u1290\u1275 \u12f5\u122d\u123b \u12ed\u12c8\u12ad\u120b\u120d\u1362 \u1260\u12d3\u1218\u1273\u12ca \u12a0\u1320\u1243\u120b\u12ed \u1309\u1263\u12a4 (AGM) \u120b\u12ed \u12e8\u1218\u121d\u1228\u1325 \u1218\u1265\u1275 \u12e8\u121a\u1230\u1325\u12ce \u1232\u1206\u1295 \u12e8\u1275\u122d\u134d \u12ad\u134d\u134d\u120d\u121d \u12eb\u1235\u1308\u129d\u120d\u12ce\u1273\u120d\u1362 \u12a8\u1201\u1209\u121d \u1260\u120b\u12ed \u12f0\u130d\u121e\u1363 \u12a8\u121b\u1205\u1260\u1229 \u1260\u121a\u1208\u1241\u1260\u1275 \u130a\u12dc \u12a5\u1295\u12b3 \u12e8\u12d5\u1323 \u12ab\u1352\u1273\u120d \u12e8\u121b\u12ed\u12c8\u1323 (\u12e8\u121b\u12ed\u1218\u1208\u1235) \u1232\u1206\u1295\u1363 \u1290\u1308\u122d \u130d\u1295 \u12a0\u1265\u12db\u129b\u12cd\u1295 \u130a\u12dc \u1208\u120c\u120b \u12a0\u1263\u120d \u1218\u1238\u1325 \u12c8\u12ed\u121d \u121b\u1235\u1270\u120b\u1208\u134d \u12ed\u127b\u120b\u120d\u1362<\/p><p class=\"translation-block\">\u12e8\u12a0\u1263\u120d \u1241\u1320\u1263 (Member Deposits)\u1366 \u12ed\u1205 \u1260\u12e8\u12c8\u1229 \u12e8\u121a\u1246\u1325\u1261\u1275 \u1308\u1295\u12d8\u1265 \u1290\u12cd\u1362 \u12e8\u1218\u1260\u12f0\u122d \u12a0\u1245\u121d\u12ce\u1295 \u12e8\u121a\u1308\u1290\u1263 \u12a5\u1293 \u1260\u1270\u1240\u121b\u132d \u1308\u1295\u12d8\u1265 \u120b\u12ed \u12c8\u1208\u12f5 \u12e8\u121a\u12eb\u1235\u1308\u129d\u120d\u12ce \u1290\u12cd\u1362 \u12a8\u12d5\u1323 \u12ab\u1352\u1273\u120d \u1260\u1270\u1208\u12e8 \u1218\u120d\u12a9\u1363 \u12a8\u121b\u1205\u1260\u1229 \u1208\u1218\u120d\u1240\u1245 \u1260\u121a\u12c8\u1235\u1291\u1260\u1275 \u130a\u12dc (\u12eb\u1209\u1265\u12ce\u1275\u1295 \u1265\u12f5\u122e\u127d \u1260\u1219\u1209 \u12a8\u12a8\u1348\u1209) \u1241\u1320\u1263\u12ce \u1219\u1209 \u1260\u1219\u1209 \u1270\u1218\u120b\u123d \u12ed\u12f0\u1228\u130d\u120d\u12ce\u1273\u120d\u1362<\/p><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n                    <\/div>\n\n                \n\t\t\t\t\t<div class=\"wpr-accordion-item-wrap\">\n\t\t\t\t\t\t<button class=\"wpr-acc-button\">\n\t\t\t\t\t\t\t<span class=\"wpr-acc-item-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-title-icon\">\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"wpr-acc-title-text\">\u12a8\u121b\u1205\u1260\u1229 \u1208\u1218\u120d\u1240\u1245 \u1265\u12c8\u1235\u1295 \u12c8\u12ed\u121d \u12a8\u12da\u1205 \u12d3\u1208\u121d \u1260\u121e\u1275 \u1265\u1208\u1245 \u1260\u1308\u1295\u12d8\u1264 \u12a5\u1293 \u1260\u1265\u12f5\u122c \u120b\u12ed \u121d\u1295 \u12ed\u12a8\u1230\u1273\u120d?<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-close\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-open\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-up\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"wpr-acc-panel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-panel-content\"><p><b data-path-to-node=\"11,0,0\" data-index-in-node=\"0\">Leaving the SACCO:<\/b> \u1208\u1218\u120d\u1240\u1245 \u12e8\u133d\u1211\u134d \u1218\u120d\u1240\u1242\u12eb \u121b\u1218\u120d\u12a8\u127b \u121b\u1245\u1228\u1265 \u12a0\u1208\u1265\u12ce\u1275 (\u1260\u12a0\u1265\u12db\u129b\u12cd \u12a860 \u12a5\u1235\u12a8 90 \u1240\u1293\u1275 \u1245\u12f5\u1218 \u121b\u1235\u1320\u1295\u1240\u1242\u12eb)\u1362 \u121b\u1205\u1260\u1229 (SACCO) \u12eb\u1209\u1265\u12ce\u1275\u1295 \u12eb\u120d\u1270\u12a8\u1348\u1209 \u12e8\u1265\u12f5\u122d \u12d5\u12f3\u12ce\u127d \u12c8\u12ed\u121d \u1260\u12a0\u1201\u1291 \u130a\u12dc \u1265\u12f5\u122d \u12a5\u12e8\u12a8\u1348\u1209 \u120b\u120d\u1206\u1291 \u12a0\u1263\u120b\u1275 \u12e8\u1308\u1261\u1275\u1295 \u12cb\u1235\u1275\u1293 \u1240\u1295\u1236\u1363 \u12e8\u12a0\u1263\u120d \u1241\u1320\u1263\u12ce\u1295 \u1219\u1209 \u1260\u1219\u1209 \u1270\u1218\u120b\u123d \u12eb\u12f0\u122d\u130d\u120d\u12ce\u1273\u120d\u1362<\/p><p class=\"translation-block\">\u12a0\u1295\u12f5 \u12a0\u1263\u120d \u12a8\u12da\u1205 \u12d3\u1208\u121d \u1260\u121e\u1275 \u1262\u1208\u1245\u1363 \u1264\u1270\u1230\u1261 \u1260\u12d5\u12f3 \u12a5\u1295\u12f3\u12ed\u1278\u1308\u122d \u1260\u1270\u1208\u121d\u12f6 \u12e8\u12a2\u1295\u1239\u122b\u1295\u1235 \u12cb\u1235\u1275\u1293\u12cd \u12eb\u1209\u1260\u1275\u1295 \u12eb\u120d\u1270\u12a8\u1348\u1209 \u1265\u12f5\u122e\u127d \u1260\u1219\u1209 \u12e8\u121a\u1238\u134d\u1295 \u1232\u1206\u1295\u1363 \u12e8\u121f\u1279 \u12a0\u1263\u120d \u1320\u1245\u120b\u120b \u1241\u1320\u1263 \u12a5\u1293 \u12e8\u12d5\u1323 \u12ab\u1352\u1273\u120d \u12f0\u130d\u121e \u1260\u1240\u1325\u1273 \u1208\u12c8\u122b\u1239 (\u120b\u1235\u1218\u12d8\u1308\u1260\u12cd \u12e8\u1245\u122d\u1265 \u12d8\u1218\u12f1) \u12ed\u12a8\u1348\u120b\u120d\u1362<\/p><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n                    <\/div>\n\n                \n\t\t\t\t\t<div class=\"wpr-accordion-item-wrap\">\n\t\t\t\t\t\t<button class=\"wpr-acc-button\">\n\t\t\t\t\t\t\t<span class=\"wpr-acc-item-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-title-icon\">\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"wpr-acc-title-text\">\u12a5\u1295\u12f4\u1275 \u12e8\u12d5\u1234\u1275 \u12e8\u1241\u1320\u1263\u1293 \u1265\u12f5\u122d \u1285\u1265\u1228\u1275 \u1225\u122b \u121b\u1205\u1260\u122d (ESSEY SACCO) \u12a0\u1263\u120d \u1218\u1206\u1295 \u12a5\u127d\u120b\u1208\u1201?<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-close\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-open\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-up\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"wpr-acc-panel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-panel-content\"><ul data-path-to-node=\"1\"><li><p data-path-to-node=\"1,0,0\" class=\"translation-block\">\u12e8\u12a5\u1230\u12ed \u12e8\u1241\u1320\u1263\u1293 \u1265\u12f5\u122d \u121b\u1205\u1260\u122d (Essey SACCO) \u12a0\u1263\u120d \u1208\u1218\u1206\u1295 \u1202\u12f0\u1271 \u1240\u120b\u120d \u1290\u12cd\u1364 \u12ed\u1205 \u12e8\u121a\u1206\u1290\u12cd \u130d\u1295 \u12e8\u1270\u1208\u1218\u12f1\u1275\u1295 \u12e8\u12a0\u1263\u120d\u1290\u1275 \u1218\u1235\u1348\u122d\u1276\u127d \u1232\u12eb\u121f\u1209 \u1265\u127b \u1290\u12cd\u1362 \u121d\u12dd\u1308\u1263\u12cd\u1295 \u1260\u12ed\u134b \u1208\u121b\u1320\u1293\u1240\u1245\u1293 \u12a0\u1263\u120d \u1208\u1218\u1206\u1295 \u12e8\u1218\u1218\u12dd\u1308\u1262\u12eb \u12ad\u134d\u12eb\u1295\u1363 \u12e8\u1218\u1300\u1218\u122a\u12eb \u12e8\u12d5\u1323 \u1218\u130d\u12e3\u1295 \u12a5\u1293 \u12e8\u1218\u1300\u1218\u122d\u12eb\u12cd\u1295 \u12c8\u122d \u1241\u1320\u1263 \u1260\u12a0\u1295\u12f5 \u120b\u12ed \u1270\u12f0\u121d\u1228\u12cd \u12e8\u121a\u1320\u12e8\u1240\u12cd\u1295 \u12a0\u1290\u1235\u1270\u129b \u12ad\u134d\u12eb 4500 \u1265\u122d \u1218\u12ad\u1348\u120d \u12ed\u1296\u122d\u1265\u12ce\u1273\u120d\u1362<\/p><\/li><li><p data-path-to-node=\"1,1,0\"><b class=\"\" data-path-to-node=\"1,1,0\" data-index-in-node=\"0\">\u121d\u1295 \u12eb\u1235\u1348\u1208\u130b\u120d?<\/b><\/p><ul data-path-to-node=\"1,1,1\"><li><p data-path-to-node=\"1,1,1,0,0\" class=\"translation-block\">\u121b\u1295\u1290\u1271\u1295 \u12e8\u121a\u1308\u120d\u133d \u1218\u1273\u12c8\u1242\u12eb \u121b\u1245\u1228\u1265 \u12e8\u121a\u127d\u120d\u1363<\/p><\/li><li><p data-path-to-node=\"1,1,1,1,0\"><b class=\"\" data-path-to-node=\"1,1,1,1,0\" data-index-in-node=\"0\">Service Fee:<\/b><span class=\"\"> \u1260\u1218\u1270\u12f3\u12f0\u122a\u12eb \u12f0\u1295\u1261 \u12e8\u1270\u1240\u1218\u1320\u12cd\u1295 \u1218\u1218\u12dd\u1308\u1262\u12eb\u1363\u1218\u1290\u123b \u12d5\u1323 \u12a5\u1293 \u1275\u1295\u1239\u1295 \u1218\u12f0\u1260\u129b \u1241\u1320\u1263 \u1208\u1218\u1246\u1320\u1265 \u1348\u1243\u12f0\u129b \u12e8\u1206\u1290\u1363<\/span><\/p><\/li><li><p data-path-to-node=\"1,1,1,2,0\" class=\"translation-block\">\u1218\u1270\u12f3\u12f0\u122a\u12eb \u12f0\u1295\u1261\u1295\u1363 \u12cd\u1235\u1320 \u12f0\u1295\u1261\u1295\u1363 \u1285\u1265\u1228\u1275 \u1225\u122b \u121b\u1205\u1260\u1229 \u12eb\u12c8\u1323\u1278\u12cd \u12e8\u1270\u1208\u12eb\u12e9 \u1218\u1218\u122a\u12eb\u12ce\u127d\u1363 \u12e8\u1320\u1245\u120b\u120b \u1309\u1263\u12a4 \u12cd\u1233\u1294\u12ce\u127d\u1295 \u12e8\u1270\u1240\u1260\u1208\u1293 \u130d\u12f4\u1273\u12cd\u1295 \u1208\u1218\u12c8\u1323\u1275 \u1348\u1243\u12f0\u129b \u12e8\u1206\u1290\u1363<\/p><\/li><li><p data-path-to-node=\"1,1,1,3,0\"><b class=\"\" data-path-to-node=\"1,1,1,3,0\" data-index-in-node=\"0\">Monthly Savings:<\/b><span class=\"\"> \u12a5\u12f5\u121c\u12cd \u12a818 \u12a0\u1218\u1275 \u1260\u120b\u12ed \u12e8\u1206\u1290\u1363<\/span><\/p><\/li><\/ul><\/li><\/ul><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n                    <\/div>\n\n                            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Servicecs Savings \u00a0 \u00a0 \u00a01.\u00a0 Regular Savings As a member of the cooperative, you are required to consistently save a minimum of 500 ETB or 10% of your monthly income. Please note that regular savings can only be withdrawn upon termination of membership. \u00a0 \u00a0 \u00a02.\u00a0 Voluntary\/Flexible Savings In addition to regular savings, members can choose to deposit any amount at any time. This flexible account allows you to withdraw your funds whenever you need them. \u00a0 \u00a0 \u00a03.\u00a0 \u00a0Fixed Time Deposits This is a high-yield savings option where funds are deposited for a specific duration based on a formal agreement with the cooperative. Compared to other products, this account offers significantly higher interest rates, payable upon the maturity of the agreement. \u00a0 \u00a0 \u00a04.\u00a0 \u00a0Loan-Linked Savings Tailored savings plans designed to help you qualify for specific financing, including: Small Business Loan Savings Mortgage\/Housing Loan Savings Consumer\/Personal Loan Savings \u00a0 \u00a0 \u00a05.\u00a0 \u00a0Children\u2019s Savings Designed for the children or wards of our members to instill a culture of saving from an early age. This account features zero service fees. Once the child reaches 18, they can transition into full membership without paying any additional registration fees. \u00a0 \u00a0 \u00a06.\u00a0 \u00a0Non-Interest Bearing Accounts Based on a mutual agreement and the specific needs or religious preferences of the member, the cooperative offers accounts where no interest is calculated or paid on the deposits. \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Interest Rates on Deposits \u00a0 \u00a0 \u00a0Essey Saving and Credit Cooperative provides competitive returns on member deposits to encourage a strong saving culture. We offer an annual interest rate of 7% for Regular Savings, while Voluntary (Flexible) Savings accounts earn 7.25%. To support the future of the next generation, our Children\u2019s Savings accounts feature a higher rate of 7.5%. For those seeking maximum returns, our Fixed Time Deposits offer the highest yields, with interest rates ranging from 7.5% up to 12% based on the agreed-upon duration of the deposit. Loans \u00a0 Small Business Loans: To support members starting a new venture or expanding an existing business, Essey provides accessible business financing. To qualify, members are required to save 25% of their desired loan amount consistently for three (3)\u00a0 \u00a0consecutive months prior to their application. \u00a0 \u00a0 \u00a02.\u00a0 \u00a0 Housing Loans: Whether you are looking to purchase, construct, renovate, or make a down payment on a home, our housing loan is designed for you. Members can access this service by consistently saving 25% of the requested loan amount for six (6) consecutive months without interruption. \u00a0 \u00a0 3.\u00a0 \u00a0 Vehicle Loans: For members aiming to purchase a vehicle, Essey offers specialized automobile financing. To be eligible for this service, members must save 30% of the total loan amount consistently over a period of six (6) consecutive months. \u00a0 \u00a04.\u00a0 \u00a0 Consumer Loans: Designed to meet various social and economic needs, our consumer loans help members cover personal expenses. This service is available to members who have saved 25% of the loan amount for three (3) consecutive months without interruption. \u00a0 5.\u00a0 \u00a0 Special Loans: Essey provides &#8220;Special Loans&#8221; for urgent, time-sensitive matters that cannot be addressed through\u00a0the standard loan processing cycle. These loans are specifically designed for critical needs such as commercial rent payments, annual income taxobligations, emergency medical expenses, and tuition fees for international education opportunities. \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0Training and Advisory Services Essey Saving and Credit Cooperative Society provides continuous education, training, and advisory services to its members and the surrounding community. \u00a0 Creating awareness on savings and credit \u00a0 Loan utilization and repayment \u00a0 Business management \u00a0 Feasibility studies \u00a0 Accounting and bookkeeping \u00a0 Providing adequate training and advisory services on business planning and related areas. \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Loan Requirements \u00a0 Must be a member of the cooperative. \u00a0 Must maintain a consistent savings record for 3 to 6 months. \u00a0 Must provide proof of income and sufficient collateral or a guarantee. \u00a0 Must provide a renewed Kebele ID and a Digital ID (Fayda). \u00a0 Both the borrower and the guarantor must provide a renewed marriage or single status certificate. \u00a0 For business loans: Must provide a renewed business license, Taxpayer Identification Number (TIN) certificate, and a valid rent agreement. F.A.Q. Some Question and answer regarding Essey and About SACCO organisation\u00a0 What exactly is a SACCO, and how is it different from a bank? A SACCO is a member-owned, member-governed financial cooperative where people pool their savings together to provide each other with affordable credit. -The Key Difference: Commercial banks exist primarily to make a profit for external shareholders. SACCOs, on the other hand, operate on a not-for-profit, but for service philosophy. Any surplus money a SACCO makes at the end of the financial year is returned directly to its members in the form of interest on deposits and dividends on shares What is the difference between &#8220;Share Capital&#8221; and &#8220;Member Deposits&#8221;? Share Capital: This represents your ownership stake in the SACCO. It gives you voting rights at the Annual General Meeting (AGM) and earns you dividends. Crucially, share capital is non-withdrawable even if you leave the SACCO, though it can usually be sold or transferred to another member Member Deposits: This is the money you save monthly. It builds your borrowing power and earns interest on deposits. Unlike share capital, your deposits are fully refundable if you choose to resign from the SACCO (provided you have cleared all your loans). What happens to my money and loans if I decide to leave or if I pass away? Leaving the SACCO: You must submit a written resignation notice (usually 60 to 90 days in advance). The SACCO will refund your member deposits entirely, minus any outstanding loan balances or any amounts you used to guarantee members who are currently defaulting. If a member passes away, the insurance typically pays off any outstanding loans so the family isn&#8217;t burdened with debt, and<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"footnotes":""},"class_list":["post-443","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/esseysacco.com\/am\/wp-json\/wp\/v2\/pages\/443","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/esseysacco.com\/am\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/esseysacco.com\/am\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/esseysacco.com\/am\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/esseysacco.com\/am\/wp-json\/wp\/v2\/comments?post=443"}],"version-history":[{"count":27,"href":"https:\/\/esseysacco.com\/am\/wp-json\/wp\/v2\/pages\/443\/revisions"}],"predecessor-version":[{"id":943,"href":"https:\/\/esseysacco.com\/am\/wp-json\/wp\/v2\/pages\/443\/revisions\/943"}],"wp:attachment":[{"href":"https:\/\/esseysacco.com\/am\/wp-json\/wp\/v2\/media?parent=443"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}