Mwalimu National is the largest African Sacco with a membership drawn from teachers all over Kenya. Mwalimu National seeks to enable the TEACHERS access affordable financial services. The SACCO enjoys membership from all parts of the country.
Location and Branches
Mwalimu National moved from DEVELOPMENT HOUSE to TOM MBOYA in 1984.34 years later Mwalimu National acquired land in upper hill and constructed its current premises; ‘MWALIMU TOWERS’
Mwalimu SACCO branch network are as stipulated below.
No:
Branch
Building
Street
1
Upperhill
Mwalimu Towers
Hill Lane, Off Mara Rd
2
Nairobi (Cbd)
Mwalimu Co-Op House
Tom Mboya Street
3
Kisumu
Reinsurance Plaza
Oginga Odinga Road
4
Nyeri
Mwalimu Co-Op House
Kanisa Road
5
Webuye
Afro Fancy House
Kenyatta Street
6
Mombasa
Pandheer Court
Nkuruma Road
7
Kisii
Lengetia Building
Kisumukisii Main Street
8
Tsc Hqs
Tsc Hqs – Upper Hill
Kilimanjaro Road
9
Kitui
Bonus Mall
Mukuti Street
10
Meru
Sawa Sawa Building
Kirukuri Street
11
Nakuru
Vickers House
Kenyatta Avenue
12
Eldoret
Zion Mall
Uganda Road
13
Kakamega
–
Cannon Awori Street
14
Machakos
–
Mbolu Malu Road
15
Embu
Wanjiru Mugo Shopping Centre
Kubu Kubu Road
16
Homabay
–
Rongo – Homabay Rd
17
Thika
Thika Bazar
Kenyatta Street
18
Kapenguria
Kapenguria Kraal Building
Mawingo Lane – off Kapenguria Lodwar Highway
Contacts
The SACCO has various platforms through which you can get help. Here they are:
1). Mwalimu Towers,
Hill Lane, Off – Mara Road, Upperhill.
P.O. BOX, 62641 – 00200,
Nairobi, Kenya.
2). Tel: 020 295 60000, 0709 898 000
3). Free SMS Line: 20156
4). Email: [email protected]
Mobile services.
Go-Mobile
Go-mobile is a mobile banking system that enables members transact at the comfort of their home or offices.
Go-mobile banking system
Do your banking from wherever you are through Mwalimu National’s new downloadable App or via short code *286*51#. The app is available on Android, ITunes, windows etc. With Go-Mobile you are able to:
Transfer money
Check your account balance
Access your mini statement
One needs to register for the Go Mobile service at the nearest Mwalimu National FOSA branch. Upon activation, he/she will receive a username and M-pin. Members should change their M-pins the first time they access this service. In case of further queries, kindly contact Mwalimu National on 0709 898 000.
Here are links to the most important news portals:
Mwalimu National Sacco has reviewed the loans’ lending rates for members. In the latest move, members’ loan borrowing ability will be limited.
Members of the Sacco have been enjoying increased borrowing ability following the Pay As You Earn, PAYE, tax relief of 5% at the onset of the Covid pandemic. The waiver was granted by President Uhuru Kenyatta to cushion citizens against the adverse effects of COVID- 19 and is to cease by 31st December 2020.
“We do, therefore, notify all our esteemed members on revision of our lending terms that the tax relief will not be used as part of borrowing ability for all our credit facilities effective 12th October, 2020. This policy change ensures that, members borrow within the two-third of the salary allowable deduction as required by the law and our organization’s By-laws.” Says Mwalimu National Sacco Chief Executive Officer, Alphonse Kaio via a circular dated October 9, 2020.
Kaio says the latest move will ‘also forestall the likelihood of Non-Performing loans that could pose a challenge to our financial performance.’
“The change on lending terms will be applicable on all loans and advance forms, received by the Society with effect from 12th October 2020.” He adds.
Mwalimu National SACCO will be issuing advance dividends for 2019 financial year to members. Here is the communique to all branch chairpersons concerning the advance dividends;
SUBJECT: ADVANCE AGAINST REBATE/DIVIDENDS FOR FINANCIAL YEAR 2019:
This is to inform you that the Society will be rolling out the above products for members interested to access it with effect from 1st November 2019.
The amount of advance qualified will be based on deposit balance as at 30th September 2019. The computation will be on month on month balances and a multiplying factor of 9% will apply. It is important to note that 9% is not the rate of dividends for year 2019 as the dividends rate will be determined after the end of our financial which is the calendar year.
The following terms will be applicable for those wishing to access the product:
1. A member will be required to fill the appropriate application form which are at our FOSA branches or downloaded from our website
2. Between 1st November 2019 to 31 December 2019, the advance interest will be 7.5%.
3. Maximum advance will be up to 50% of the amount computed with balances as 30th September, 2019.
4. From 1st January 2020 up to the date of the ADM 2020, interested members will be able to access advance equivalent to 75% deposits balance as at 31st December 2019. The maximum advance will be computed month on month basis and based on the deposit balance as at 31st December 2019 and subjected to multiplying factor of 9%. Note again the 9% is not the dividends rate year 2019
5. Members who are defaulters or having loans with recovery arrears will not qualify for this product.
The recovery of the advance (interest and principal) will be done immediately dividends and rebate for 2019 are approved by the Annual Delegates Meeting and credited to the members accounts.
Here are links to the most important news portals:
SACCO loans DO NOT have hidden charges but Bank loans have A LOT OF HIDDEN CHARGES besides monthly charges. Some of these charges include:
Insurance fee.
Appraisal/ Processing Fee
Account Maintenance Commission
Accrued Interest Charges (Arrears Account)
Late Remittance charges
Premature Loan Clearance charges.
NOTE: Banks have yearly reappraisals to determine interests to charge. This implies that the interest rates will vary within the lifespan of the loan. As and when interests in the money market change (upwards), the interests on running loans are also adjusted (upwards) without giving notice to the loanee.
A). BOSA LOAN PRODUCTS
Back Office Services Activities (BOSA) is a department in Mwalimu National which offers various loan products against members’ deposits.
Wezesha Loan
Unlike ALL other products, WEZESHA (to enable) is the ONLY product that a member does not have to wait for six (6) months before applying for a loan. Mwalimu National enables YOU (new member) to access funds of up to Kshs 600,000 immediately your first savings deduction goes through. ONLY 1/3 of Kshs 600,000 will be retained in the new members account as savings.
Terms and conditions of wezesha loan
This product is for new members only.
Rate is 13% p.a on reducing balance.
Wezesha loan runs for a maximum of 36 months
2% wezesha processing fee shall be charged on the amount to be advanced.
Maximum loan amount to be issued shall not exceed Ksh.600, 000.
The loan should be fully guaranteed.
The minimum period for a member to qualify shall apply as per the sacco by-laws.
Shares boosted shall earn dividends on pro-rata basis.
Emergency Loan
Granted for unforeseen circumstances.
Applicable interest rate is 1%p.m on reducing balance.
Repayable in 12months.
Multipler is x5 (subject to 1/3 salary rule).
Only one emergency loan can be granted at a time.
School Fees Loan
Granted for education purposes only.
1% p.m interest rate on reducing balance.
Repayable in 12months.
Maximum limit is a member’s deposit x5 (subject to 1/3 salary rule).
Only one school fees loan to be granted at a time.
Normal Loan
Granted as a short term loan aimed at helping members meet their immediet finacial needs.
1% p.m on reducing balance.
Repayable in 36months.
Limit is a member’s deposit x3 (subject to 1/3 salary rule).
One normal loan to be granted at a time.
Development Loan
Granted as medium-term loan for investment purposes.
Applicable interest rate is 1.17% p.m on reducing balance.
Repayable in 48months.
Maximum limit is a member’s deposit x4 (subject to 1/3 salary rule)
One development loan granted at a time.
Super Loan
Granted as long-term loan for investment purposes.
Interest rate is at 1.20% p.m.
Repayable in 60months.
Maximum limit is a member’s deposit x4 (subject to 1/3 salary rule)
Only one super loan granted at a time.
Vision 84
Long term loan for investment purposes.
Interest rate is 1.29 p.m on reducing balance.
Repayment period in 84months.
The limit is a member’s deposit x5 (subject to 1/3 salary rule)
B). FOSA PRODUCTS
Front Office Services Activities (FOSA) is the banking arm of Mwalimu National that provides basic and affordable banking services to meet members’ needs.
Salary in Advance
The Interest Rate is 5%.
Maximum amount borrowed is 80% of your net salary or S.A.Y.E
Repayable @ the end of the month
FOSA Instant Credit(24 Months)
FOSA instant credit (24 months)
Interest rate @ 1.5% per month on reducing balance
Repayment period is 24 months.
Maximum amount granted is your savings under S.A.Y.E x16
FOSA Instant Credit(12 Months)
Interest rate is 1.25% Per month.
Repayment period is 12months.
Maximum amount granted is your net salary x16.
Maximum amount granted is your savings under S.A.Y.E x10.
M-Loan
Interest rate is dependent on the repayment period in that;
1 month @ 5%
2 months @ 6 %
3 months @ 7%
Maximum amount a member can borrow is up to 80% of his/her net salary or S.A.Y.E
Principal and interest amounts are recoverable at the end of each month.
Advance Dividends
This is a percentage of expected dividends that are normally paid earlier.
The interest rate is between 7.5% and 5% depending on the time a member requests for the advance dividends.
The maximum amount requested is 75% of your expected dividends.
Clients with well established businesses, can access business loans directly without group requirements. The minimum loan for individual client is Kshs 501,000 and a maximum of Kshs 5,000,000.
Terms
Individual loans are offered at an interest rate of 1.25% p.m. on reducing balance.
Our repayment period is between 3-36 months depending on the amount borrowed.
The loan is self-secured and acceptable securities include logbooks and commercial title deeds.
Group Loans
Business Loans are disbursed to individual members within a group for expansion of existing income generating ventures. Such businesses must have been in operation for at least 6 months.
Group loans are done based on tiers.
Tier one KSH 30,000 – KSH 150,000 (1.33% pm) payable in maximum 12months.
Tier two KSH 151,000 – KSH 250,000 (1.33% pm) payable in maximum 24months.
Tier three KSH 251,000 – KSH 500,000 (1.33% pm) payable in maximum 36months.
One has to start from tier one and graduate through the tiers within the program based on business ability. If successful, at tier three one can move to borrow as an individual client without the need of group.
Mwalimu National is the largest African Sacco with a membership drawn from teachers all over Kenya. Mwalimu National seeks to enable the TEACHERS access affordable financial services. The SACCO enjoys membership from all parts of the country.
Location and Branches
Mwalimu National moved from DEVELPOMENT HOUSE to TOM MBOYA in 1984.34 years later Mwalimu National acquired land in upper hill and constructed its current premises; ‘MWALIMU TOWERS’
Mwalimu SACCO branch network are as stipulated below.
No:
Branch
Building
Street
1
Upperhill
Mwalimu Towers
Hill Lane, Off Mara Rd
2
Nairobi (Cbd)
Mwalimu Co-Op House
Tom Mboya Street
3
Kisumu
Reinsurance Plaza
Oginga Odinga Road
4
Nyeri
Mwalimu Co-Op House
Kanisa Road
5
Webuye
Afro Fancy House
Kenyatta Street
6
Mombasa
Pandheer Court
Nkuruma Road
7
Kisii
Lengetia Building
Kisumukisii Main Street
8
Tsc Hqs
Tsc Hqs – Upper Hill
Kilimanjaro Road
9
Kitui
Bonus Mall
Mukuti Street
10
Meru
Sawa Sawa Building
Kirukuri Street
11
Nakuru
Vickers House
Kenyatta Avenue
12
Eldoret
Zion Mall
Uganda Road
13
Kakamega
–
Cannon Awori Street
14
Machakos
–
Mbolu Malu Road
15
Embu
Wanjiru Mugo Shopping Centre
Kubu Kubu Road
16
Homabay
–
Rongo – Homabay Rd
17
Thika
Thika Bazar
Kenyatta Street
18
Kapenguria
Kapenguria Kraal Building
Mawingo Lane – off Kapenguria Lodwar Highway
Contacts
The SACCO has various platforms through which you can get help. Here they are:
1). Mwalimu Towers,
Hill Lane, Off – Mara Road, Upperhill.
P.O. BOX, 62641 – 00200,
Nairobi, Kenya.
2). Tel: 020 295 60000, 0709 898 000
3). Free SMS Line: 20156
4). Email: [email protected]
Mobile services.
Go-Mobile
Go-mobile is a mobile banking system that enables members transact at the comfort of their home or offices.
Go-mobile banking system
Do your banking from wherever you are through Mwalimu National’s new downloadable App or via short code *286*51#. The app is available on Android, ITunes, windows etc. With Go-Mobile you are able to:
Transfer money
Check your account balance
Access your mini statement
One needs to register for the Go Mobile service at the nearest Mwalimu National FOSA branch. Upon activation, he/she will receive a username and M-pin. Members should change their M-pins the first time they access this service. In case of further queries, kindly contact Mwalimu National on 0709 898 000.
Here are links to the most important news portals:
SACCO loans DO NOT have hidden charges but Bank loans have A LOT OF HIDDEN CHARGES besides monthly charges. Some of these charges include:
Insurance fee.
Appraisal/ Processing Fee
Account Maintenance Commission
Accrued Interest Charges (Arrears Account)
Late Remittance charges
Premature Loan Clearance charges.
NOTE: Banks have yearly reappraisals to determine interests to charge. This implies that the interest rates will vary within the lifespan of the loan. As and when interests in the money market change (upwards), the interests on running loans are also adjusted (upwards) without giving notice to the loanee.
A). BOSA LOAN PRODUCTS
Back Office Services Activities (BOSA) is a department in Mwalimu National which offers various loan products against members’ deposits.
Wezesha Loan
Unlike ALL other products, WEZESHA (to enable) is the ONLY product that a member does not have to wait for six (6) months before applying for a loan. Mwalimu National enables YOU (new member) to access funds of up to Kshs 600,000 immediately your first savings deduction goes through. ONLY 1/3 of Kshs 600,000 will be retained in the new members account as savings.
Terms and conditions of wezesha loan
This product is for new members only.
Rate is 13% p.a on reducing balance.
Wezesha loan runs for a maximum of 36 months
2% wezesha processing fee shall be charged on the amount to be advanced.
Maximum loan amount to be issued shall not exceed Ksh.600, 000.
The loan should be fully guaranteed.
The minimum period for a member to qualify shall apply as per the sacco by-laws.
Shares boosted shall earn dividends on pro-rata basis.
Emergency Loan
Granted for unforeseen circumstances.
Applicable interest rate is 1%p.m on reducing balance.
Repayable in 12months.
Multipler is x5 (subject to 1/3 salary rule).
Only one emergency loan can be granted at a time.
School Fees Loan
Granted for education purposes only.
1% p.m interest rate on reducing balance.
Repayable in 12months.
Maximum limit is a member’s deposit x5 (subject to 1/3 salary rule).
Only one school fees loan to be granted at a time.
Normal Loan
Granted as a short term loan aimed at helping members meet their immediet finacial needs.
1% p.m on reducing balance.
Repayable in 36months.
Limit is a member’s deposit x3 (subject to 1/3 salary rule).
One normal loan to be granted at a time.
Development Loan
Granted as medium-term loan for investment purposes.
Applicable interest rate is 1.17% p.m on reducing balance.
Repayable in 48months.
Maximum limit is a member’s deposit x4 (subject to 1/3 salary rule)
One development loan granted at a time.
Super Loan
Granted as long-term loan for investment purposes.
Interest rate is at 1.20% p.m.
Repayable in 60months.
Maximum limit is a member’s deposit x4 (subject to 1/3 salary rule)
Only one super loan granted at a time.
Vision 84
Long term loan for investment purposes.
Interest rate is 1.29 p.m on reducing balance.
Repayment period in 84months.
The limit is a member’s deposit x5 (subject to 1/3 salary rule)
B). FOSA PRODUCTS
Front Office Services Activities (FOSA) is the banking arm of Mwalimu National that provides basic and affordable banking services to meet members’ needs.
Salary in Advance
The Interest Rate is 5%.
Maximum amount borrowed is 80% of your net salary or S.A.Y.E
Repayable @ the end of the month
FOSA Instant Credit(24 Months)
FOSA instant credit (24 months)
Interest rate @ 1.5% per month on reducing balance
Repayment period is 24 months.
Maximum amount granted is your savings under S.A.Y.E x16
FOSA Instant Credit(12 Months)
Interest rate is 1.25% Per month.
Repayment period is 12months.
Maximum amount granted is your net salary x16.
Maximum amount granted is your savings under S.A.Y.E x10.
M-Loan
Interest rate is dependent on the repayment period in that;
1 month @ 5%
2 months @ 6 %
3 months @ 7%
Maximum amount a member can borrow is up to 80% of his/her net salary or S.A.Y.E
Principal and interest amounts are recoverable at the end of each month.
Advance Dividends
This is a percentage of expected dividends that are normally paid earlier.
The interest rate is between 7.5% and 5% depending on the time a member requests for the advance dividends.
The maximum amount requested is 75% of your expected dividends.
Clients with well established businesses, can access business loans directly without group requirements. The minimum loan for individual client is Kshs 501,000 and a maximum of Kshs 5,000,000.
Terms
Individual loans are offered at an interest rate of 1.25% p.m. on reducing balance.
Our repayment period is between 3-36 months depending on the amount borrowed.
The loan is self-secured and acceptable securities include logbooks and commercial title deeds.
Group Loans
Business Loans are disbursed to individual members within a group for expansion of existing income generating ventures. Such businesses must have been in operation for at least 6 months.
Group loans are done based on tiers.
Tier one KSH 30,000 – KSH 150,000 (1.33% pm) payable in maximum 12months.
Tier two KSH 151,000 – KSH 250,000 (1.33% pm) payable in maximum 24months.
Tier three KSH 251,000 – KSH 500,000 (1.33% pm) payable in maximum 36months.
One has to start from tier one and graduate through the tiers within the program based on business ability. If successful, at tier three one can move to borrow as an individual client without the need of group.
Mwalimu National SACCO (MNS) members enjoy many services that include loans, salary advances, dividends on savings and welfare benefits. You may be wondering how to join the SACCO? Ok, worry not. Here is your complete guide to Mwalimu National SACCO membership.
MWALIMU NATIONAL SACCO MEMBERSHIP
There are two types of members who can join Mwalimu National SACCO; Class A and B members.
CLASS A MEMBERS
These members include:
Employees of the Teachers Service Commission, TSC, in post primary and tertiary institutions, TSC Secretariat and Mwalimu SACCO Society staff.
TSC employees in primary schools with academic qualifications at the level of Diploma and above.
TSC employees in primary schools with academic qualifications below Diploma level, bursars in public and private educational institutions.
Former MNS employees now working in government ministries/ departments or institutions with check-off systems.
Spouses of members and members’ children above 18 years of age in employment.
Lecturers in public and private universities.
Teachers employed by schools’ Boards of Management, BOMs.
CLASS B MEMBERS
Class B members are
Students undertaking education-related studies leading to diplomas and degrees, in technical colleges and universities recognized by the Ministry in charge of Education;
Former members who have withdrawn all their deposits and have not transferred their shares to any other member.
Students sponsored by MNS under Childhope Foundation but, who must be above 18 years old.
HOW TO BECOME A MEMBER.
Joining the SACCO is quite easy and straight forward. All that you need to do is to download the Membership application form. This is available on the SACCO’s website, contacting a SACCO representative (delegate) or at its branches countrywide. You can then return the completed form to to the SACCO offices or pass it to the SACCO delegate for onward transmission.
The completed form, upon receipt and admission, shall be allocated a membership number, filed in the respective member’s personal file and the number given be entered in the members’ register.
The admission of new members is done by the MNS board. The board may refuse admission of a new member if some requirements are not met.
To join Mwalimu National SACCO, you have to meet the following requirements:
You should be aged above 18 years.
One must be a Kenyan Citizen or an ordinary resident of Kenya.
You must be of sound mind.
You must have a clean criminal record. One must have not been convicted of any criminal offense or not have been sentenced to a jail term of more than 6 months.
Both class A and B Members enjoy a number of rights. These include:
Receiving periodic account statements; for all credit and debit transactions.
Attending and participating at all members’ Branch Annual General Meetings, AGMs.
Electing or be elected as a delegate of the SACCO.
Enjoying all SACCO services and products.
Proposing initiatives to the SACCO board for consideration.
Class B members are, though, excluded from participating in decision making at the Branch Annual General Meeting of members. They can not also participate in electing or being elected as delegates of the SACCO.
Mwalimu National is the largest African Sacco with a membership drawn from teachers all over Kenya. Mwalimu National seeks to enable the TEACHERS access affordable financial services. The SACCO enjoys membership from all parts of the country.
NEW CHANGES IN MWALIMU SACCO BUSINESS LOANS
Here is the latest Communique from Mwalimu National SACCO management on new changes in their Business Loans;
‘This is to inform you that Mwalimu National Sacco Board Vide MIN/BOD/109/2019 effected the following changes on our Business loan products in line with improving financial services and financial solutions to our members. The new changes take effect from 1st December 2019; –
1. INDIVIDUAL LOAN:
Repayment term extended from 36 to 60 Months.
Minimum loan amount from Kes 500,000/= to Kes 150,000/=
Maximum loan amount maintained at Kes 5,000,000/=
Minimum saving of 20% of the loan amount Applied.
Minimum monthly contribution to business loan savings will be Kes 1,000/-
Loan to be secured by conventional collateral and disbursement subject to security perfection in all aspects and compliance with Approval terms.
Member to open and maintain a Biashara FOSA account and channel their proceeds through the FOSA account
Flexible Loan repayment terms synchronized with respective borrower cashflow cycles i.e. (Monthly, Termly, quarterly in advance).
Businesses funded through this product shall be insured through Spire Insurance Brokers Ltd but the underwriter can be the choice of the member
There will be 30 days grace period from the date of loan disbursement.
Members to maintain at least one-month equivalent of loan installment in Biashara account at all times during the loan term.
Members shall be issued with Loan offer letters and other relevant loan contract documents i.e. Loan schedules and letters of set-off.
Applicant’s credit reference bureau reports will be used in application vetting
FOR COMPLETE DETAILS ON MWALIMU SACCO, VISIT THE LINK BELOW;
Group must have had a banking relationship with the Sacco for at least six months
Group minimum saving of 25% of the loan amount sought
Minimum monthly contribution to business loan savings will be Kes 1,000/=.
Group loans limited to groups pursuing common interest projects and have verifiable business plans
Groups to open and maintain FOSA account with Mwalimu National account
There will be 30 days grace period from the date of loan disbursement.
Graduation from one tier to the next shall be pegged on loan repayment track record and banking relationship through our FOSA accounts.
Members to maintain at least one-month equivalent of loan installment in Biashara account at all times during the loan term.
Loan to be secured by conventional collateral and disbursement subject to security perfection and compliance with approval terms.
Groups will be issued with loan offer letters and other relevant loan documents i.e. Loan schedules and letters of set-off.
Applicant’s credit reference bureau reports will be used in application vetting.
3. SENIOR SAVER LOAN: –
Senior saver must have attained Back office saving of Kes 1,500,000 and above.
Loan limits extended from Kes 10,000,000/= to Maximum Kes 15 Million.
Loan repayment term extended from 72 Months to 120 Months maximum
Minimum monthly contribution to business loan savings will be Kes 2,000/-
Loan eligibility subject to member demonstrated ability to service the loan amount sought this to be ascertained through business appraisal and supporting documentation i.e. books of accounts and bank statements.
There will be 30 days grace period from the date of loan disbursement.
Where member is undertaking capital projects, appraisal, financing and administration of loan proceeds shall be closely monitored and phased disbursement shall be adopted.
Businesses funded through this product shall be insured through Spire Insurance Brokers Ltd, but the underwriter can be the choice of the member.
For capital projects member must raise 20% of the project cost and Sacco financing be limited to 80% financing.
Senior saver to open and patronize Biashara FOSA accounts and channel their business proceeds through the FOSA account
Flexible Loan repayment terms synchronized with respective borrower cashflow cycles i.e. (Monthly, Termly, quarterly in advance)
Members shall be issued with Loan offer letters and other relevant loan contract documents i.e. Loan schedules and letters of set-off.
Applicant’s credit reference bureau reports will be used in application vetting,
4. MOTORCYCLE LOAN: –
Members can source the motorbikes from dealers of their choice and brand of their choice and submit proforma invoice for the motorbike being financed 30% of the proforma invoice price shall be raised by the member and placed as a deposit with Mwalimu National Sacco.
Minimum monthly contribution to business loan savings will be Kes 1,000/-
Motorbikes shall be jointly registered between Mwalimu National Sacco & the member before payment is done to the dealer.
The financed motorcycle shall always be comprehensively insured, and Mwalimu National Sacco interest noted as “financier/First loss payee Insurance shall be done through Spire Insurance Brokers Ltd.
Members shall be issued with Loan offer letters and other relevant loan contract
documents i.e. Loan schedules and letters of set-off.
Applicant’s credit reference bureau reports will be used in application vetting.
RESTRUCTURE OF DEFAULTED LOANS
Mwalimu National Sacco Board Vide MIN/BOD/119/2019 approved restructuring guidelines for non Perfoming loans as per the guidelines stipulated hereunder; –
The member must make a formal request to have the facility restructured and submit support documents.
Member shall be appraised to ascertain viability of repayment plan and commitment to the loan obligation.
Member must maintain POSA salary account and channel their employment and business incomes through Mwalimu National Sacco FOSA account.
The Member to be issued with a loan offer letter detailing all their obligations in the Sacco and their corresponding securities as well as covenants governing the restructure of their facilities, the letter to be executed and attested to guide future relations.
Member shall provide conventional collateral to secure outstanding loan exposure. Security perfection on the business loan facility to be undertaken/verified to ensure sufficiency and legitimacy of the collateral in place before disbursement of restructured amount.
Where a member had sought legal redress, the Member to register a memorandum in court withdrawing the court case filed against the society as pertains realization of pledged collateral for the defaulted loan and notify the court of the proposed loan work out strategy.
Member to offset all recovery costs associated with the court case i.e. Valuers fee, Advocates fee notes and auctioneers’ fees and any other incidental costs associated with restructure of this facility.
Restructured loans shall not be entitled to bridging, top-up during the lifetime.
The borrower should be willing to pay appraisal fee to be fixed from time to time and show proof before the restructuring can be commenced. For the time being the fee will be 2% of the outstanding facility to a maximum of Ksh.200,000 and a minimum of Ksh.10,000,
Member to adhere to loan schedule repayment plan and subsequent default upon restructuring will result in commencement of recovery proceedings.
Here are links to the most important news portals:
The Ministry of Education has released new guidelines for all Co-Curricular activities. In the new guidelines, responsibilities of various officials to be in charge of the Co-curricular activities have been stipulated. Financing for Co-Curricular activities has also been outlined. The sources for funding include: Co- Curricular Activity (CCA) Vote head, Free Primary Education (FPE) funds and Free Day Secondary Education (FDSE) funds. The Ministry of education disburses Co- Curricular Activity funds to the Sub- county Directors of Education (SCDEs), County Directors of Education (CDEs) and Regional Directors of Education (RDEs). These field officers have Authority to incur expenses for the various activities.
Here are the latest guidelines from the Ministry;
‘RE: THE 2019/2020 REVISED GUIDELINES ON FINANCIAL OBLIGATIONS DURING THE CO-CURRICULAR ACTIVITIES CHAMPIONSHIPS/ FESTIVALS, AT VARIOUS LEVELS
During the co-curricular activities retreat held on 23rd to 25th September, 2019 at Machakos University, the stakeholders revised the guidelines that were earlier released on 5th November, 2018 and 28th January, 2019 on the above mentioned subject.
This revision is aimed at promoting fairness in co-curricular activities expenditure at the various levels. The guidelines are as follows;
School – zonal level
The participating schools are to meet all costs at school up to the zonal level. Such expenses include:
Provision of sports/festival facilities
Preparation and training of teams in various sports
Transport teams to zonal championship
Pay lunch allowances to school teams officials and referees at zonal championship
Provide meals/refreshments to the school teams
The schools are expected to get funds for this purpose from the activities fund and should not charge parents.
Sub-county Level
The school to transport the teams to and from the sub-county competitions and also pay lunch allowances to team official e.g. coaches, driver etc
Schools to feed their own teams
The SCDE to pay for the referees, judges, sub-county committees, field preparations, certificates and other related administrative costs
County level
During the county championship, the respective SCDE and CDE will be responsible for their teams as follows;
Sub-county Director of Education
Transport the teams to and from the county championships/ festivals
Provide lunch to the sub-counties teams
Pay the coaches, chaperons, team managers, drivers and sub-county committee
County Director of Education
The CDE to pay the referees, county executive committee and other championship/festival administrative costs e.g. field preparations, security etc.
Allowances will be paid as per approved budgets
Regional level
At this level, the CDE and RDE will be expected to share the expenses as follows:
CDE to transport the county teams to and from the regional competition
CDE to pay allowances to the coaches, chaperons, team managers and county executive committee allocated duties, as per the approved budget
CDE feeds the county teams/accommodation
RDE pays the referees allowances, as per the approved budget
RDE to pay administration costs, such as field preparation, security, first aid, executive committee, refreshments, etc
National level
At this level, the RDE and MOE HQs will share expenses as follows;
The RDE to transports teams to and from the national venue
The RDE to pay allowances to team officials such as, coaches, chaperons, team managers, drivers and executive committee assigned duties
MOE HQs to pay for teams accommodation in the host schools
MOE HQs to pay the referees allowances as per the approved budget
MOE HQs to cater for officials and teanis refreshments
MOE HQs to subsidize on field preparations/hire
MOE HQs to pay for badges, certificates, security, ambulance and other related administrative costs.
Host RDE
If a region is hosting the national championship, the RDE will be required to;
Identify the schools to accommodate teams
Identify and book venues/play fields
Form and cater for the hosting committee
Ensure the field/venues are prepared to the required standards
Provide and pay for chairs & tents used during opening and closing of the games championship’
KEY TO USED TERMS
MOE: Ministry of Education
RCE: Regional Director of Education
CDE: County Director of Education
HQs: Head Quarters
SCDE: Sub County Director of Education
Here are links to the most important news portals:
You may at one moment require a loan in order to invest, boost your business, educate your self or children and even to enable take a trip/ vacation. Today, we strive to detail the various types of loan products provided by Mwalimu National SACCO. Mwalimu SACCO is composed of mainly teachers and tutors at tertiary institutions. Mwalimu National seeks to enable the TEACHERS access affordable financial services.
Here are links to the most important news portals:
SACCO loans DO NOT have hidden charges but Bank loans have A LOT OF HIDDEN CHARGES besides monthly charges. Some of these charges include:
Insurance fee.
Appraisal/ Processing Fee
Account Maintenance Commission
Accrued Interest Charges (Arrears Account)
Late Remittance charges
Premature Loan Clearance charges.
NOTE: Banks have yearly reappraisals to determine interests to charge. This implies that the interest rates will vary within the lifespan of the loan. As and when interests in the money market change (upwards), the interests on running loans are also adjusted (upwards) without giving notice to the loanee.
A). BOSA LOAN PRODUCTS
Back Office Services Activities (BOSA) is a department in Mwalimu National which offers various loan products against members’ deposits.
Wezesha Loan
Unlike ALL other products, WEZESHA (to enable) is the ONLY product that a member does not have to wait for six (6) months before applying for a loan. Mwalimu National enables YOU (new member) to access funds of up to Kshs 600,000 immediately your first savings deduction goes through. ONLY 1/3 of Kshs 600,000 will be retained in the new members account as savings.
Terms and conditions of wezesha loan
This product is for new members only.
Rate is 13% p.a on reducing balance.
Wezesha loan runs for a maximum of 36 months
2% wezesha processing fee shall be charged on the amount to be advanced.
Maximum loan amount to be issued shall not exceed Ksh.600, 000.
The loan should be fully guaranteed.
The minimum period for a member to qualify shall apply as per the sacco by-laws.
Shares boosted shall earn dividends on pro-rata basis.
Emergency Loan
Granted for unforeseen circumstances.
Applicable interest rate is 1%p.m on reducing balance.
Repayable in 12months.
Multipler is x5 (subject to 1/3 salary rule).
Only one emergency loan can be granted at a time.
School Fees Loan
Granted for education purposes only.
1% p.m interest rate on reducing balance.
Repayable in 12months.
Maximum limit is a member’s deposit x5 (subject to 1/3 salary rule).
Only one school fees loan to be granted at a time.
Normal Loan
Granted as a short term loan aimed at helping members meet their immediet finacial needs.
1% p.m on reducing balance.
Repayable in 36months.
Limit is a member’s deposit x3 (subject to 1/3 salary rule).
One normal loan to be granted at a time.
Development Loan
Granted as medium-term loan for investment purposes.
Applicable interest rate is 1.17% p.m on reducing balance.
Repayable in 48months.
Maximum limit is a member’s deposit x4 (subject to 1/3 salary rule)
One development loan granted at a time.
Super Loan
Granted as long-term loan for investment purposes.
Interest rate is at 1.20% p.m.
Repayable in 60months.
Maximum limit is a member’s deposit x4 (subject to 1/3 salary rule)
Only one super loan granted at a time.
Vision 84
Long term loan for investment purposes.
Interest rate is 1.29 p.m on reducing balance.
Repayment period in 84months.
The limit is a member’s deposit x5 (subject to 1/3 salary rule)
B). FOSA PRODUCTS
Front Office Services Activities (FOSA) is the banking arm of Mwalimu National that provides basic and affordable banking services to meet members’ needs.
Salary in Advance
The Interest Rate is 5%.
Maximum amount borrowed is 80% of your net salary or S.A.Y.E
Repayable @ the end of the month
FOSA Instant Credit(24 Months)
FOSA instant credit (24 months)
Interest rate @ 1.5% per month on reducing balance
Repayment period is 24 months.
Maximum amount granted is your savings under S.A.Y.E x16
FOSA Instant Credit(12 Months)
Interest rate is 1.25% Per month.
Repayment period is 12months.
Maximum amount granted is your net salary x16.
Maximum amount granted is your savings under S.A.Y.E x10.
M-Loan
Interest rate is dependent on the repayment period in that;
1 month @ 5%
2 months @ 6 %
3 months @ 7%
Maximum amount a member can borrow is up to 80% of his/her net salary or S.A.Y.E
Principal and interest amounts are recoverable at the end of each month.
Advance Dividends
This is a percentage of expected dividends that are normally paid earlier.
The interest rate is between 7.5% and 5% depending on the time a member requests for the advance dividends.
The maximum amount requested is 75% of your expected dividends.
Clients with well established businesses, can access business loans directly without group requirements. The minimum loan for individual client is Kshs 501,000 and a maximum of Kshs 5,000,000.
Terms
Individual loans are offered at an interest rate of 1.25% p.m. on reducing balance.
Our repayment period is between 3-36 months depending on the amount borrowed.
The loan is self-secured and acceptable securities include logbooks and commercial title deeds.
Group Loans
Business Loans are disbursed to individual members within a group for expansion of existing income generating ventures. Such businesses must have been in operation for at least 6 months.
Group loans are done based on tiers.
Tier one KSH 30,000 – KSH 150,000 (1.33% pm) payable in maximum 12months.
Tier two KSH 151,000 – KSH 250,000 (1.33% pm) payable in maximum 24months.
Tier three KSH 251,000 – KSH 500,000 (1.33% pm) payable in maximum 36months.
One has to start from tier one and graduate through the tiers within the program based on business ability. If successful, at tier three one can move to borrow as an individual client without the need of group.
Mwalimu National SACCO is arguably one of the best SACCOs in Kenya. This is one of the largest African Sacco with a membership drawn from teachers all over Kenya. One of the notable milestone Mwalimu National SACCO has achieved is mwalimu sacco members portal where bonafide members can conveniently access services offered at the sacco online without physically visiting branch office.
MEMBERSHIP
The SACCO has 2 types of membership:
Class – A – Membership: These include Teachers and TSC Secretariat; among others as illustrated in the tree diagram below;
Class – B – Membership:
These cadre is made up of Students undertaking education-related studies leading to diplomas and degrees, in technical colleges and universities recognized by the Ministry in charge of Education.
Here are links to the most important news portals:
If you don’t know your password click on forgot account details and you’ll be prompted to enter your membership number. Thereafter a new password will be sent to the mobile phone number that you used to register your account.
Mwalimu National Sacco has released the amount of dividends that members will receive for the year 2020. The Sacco has at the same time declared the expected rebates and advances that members can withdraw with effect from November 1, 2020.
Here are the full details as released by the Sacco Chief Executive Officer, Alphonse M. Kato;
RE: ADVANCE AGAINST EXPECTED REBATE DIVIDEND FOR YEAR 2020
This is to inform you that all FOSA branches will be giving the above product to qualifying members with effect from 1 November 2020.
The terms and conditions for the product will be as follows:
The advance will be accessed via the Go-mobile platform and USSD code *633#.
Between 1 November 2020 to 31 December 2020 advance facility will be 40% of expected Rebate at an interest rate of 7%.
From 19 January 2021, members can get 75% of expected Rebate at an interest rate of 5%.
The computation of the Advance qualified will be based on members deposits balance as at 30 September 2020 and on month on month basis. The multiplying factor will be 7%. It is important to note that 7% is not the dividend and rebate rate for this year. The rates for the year 2020 will be determined after December 31, 2020.
Loan/Advance defaulters and members with loan/advance arrears will not qualify for the advance.
Recovery for both interest and principal will be done immediately dividend is declared and credited to the members’ accounts after ADM of 2021
By Friday December 30, 2020 the Sacco was working on Logistics of data capturing form members; in readiness for the payments.
In 2019, the giant Sacco declared dividends on shares at 11.2% whereby Shares were 20,000 for each and every member. In the same period, rebates on deposits (your total amount at the Sacco minus the 20K shares) were paid at a rate of 10.2%.
Mwalimu National Sacco Circular on Reduction of Interest Rates For Loans {Latest}
Mwaimu National Mwafimu Towers,
Upper HiLf, HifL Lane, Off Mara Road
P.O. Bob 62641 Citj/ Square, Nairobi, Kenya
Tef: +254 (0) 020 295 6000
CeLf: +254 (0) 709 898 000
Website: www.mwafimunationaL.coop
Our Ref: MW/225/AD/47A
TO: ALL MEMBERS MWALIMU NATIONAL D.T SACCO
Dear Members,
RE: LENDING POLICY INTERVENTIONS.
The Board of Mwalimu National D.T. Sacco in its meeting held on 18th December 2025 approved the following interventions geared towards some product reengilieering as part of ongoing eff’orts to offer members options to finanrial access;
1. Emergency and School fees loans
The Sacco has waived Top up charges to all members with existing Emergency or School fees loans, who are desirous to do a top up. The waiver runs from 1st January 2026 to 3lst January 2026 to allow members meet the education needs for their loved ones and pressing needs for quic1‹ financing.
2. Non-Salaried Loan Product
The Sacco has reviewed the eligibility conditions of this product ef’fective 1st January 2026 to improve performance and recovery of amounts accessed .
i. The member must have Sacco Non-Withdrawable deposits totalling to at least Ksh. 20,000.
ii. The minimum amount one can qualify will be Ksh. 5,00 0 that shall graduate by Ksh.500 after every three months, consecutively to allow timely repayment subject to a maximum of Ksh. 10,000.
The interest rate of this product has been reviewed downwards to 12% p.a to encourage members’ patronage for those whose pay points is through MNS(The Saccco) effective 1st January 2026.
4. Jawabu Loan
The Sacco has introduced flexible interest Banding for this product, to allow members flexibility in terms of options offering, this will be an added advantage t(i those who would
want to pay back the loan within shorter tenor as follows;
Tenure(months)
% Interest Rate pa.
7 to36
13.5
3Y-72
14.5
Above 72
15.5
The maximum tenure of this product has also been reviewed to 108 months effective 15th December 2025 to 31st March 2026.
5. Change of Salary Pay-point for Development Loan, Super Loan and Vision Loan.
All members patronising these products must have their salaries channelled through their Mwalimu National D.T Sacco FOSA accounts effective 1st January 2026.
We believe these interventions will further provide greater financial flexibility to our members while upholding the Sacco’s commitment to responsible and inclusive lending, that is sensitive to our credit risk profile. Your continued trust and patronage remain vital as we work together to build a stronger and more sustainable Sacco.
Once again, we do sincerely thank you for your continued support and commitment to the SACCO and undertake to make it more member- centric.
Yours faithfully,
Mwalimu National Sacco Circular on Reduction of Interest Rates For Loans {Latest}
Mwalimu National Sacco Circular on Reduction of Interest Rates For Loans {Latest}
Mwaimu National Mwafimu Towers,
Upper HiLf, HifL Lane, Off Mara Road
P.O. Bob 62641 Citj/ Square, Nairobi, Kenya
Tef: +254 (0) 020 295 6000
CeLf: +254 (0) 709 898 000
Website: www.mwafimunationaL.coop
Our Ref: MW/225/AD/47A
TO: ALL MEMBERS MWALIMU NATIONAL D.T SACCO
Dear Members,
RE: LENDING POLICY INTERVENTIONS.
The Board of Mwalimu National D.T. Sacco in its meeting held on 18th December 2025 approved the following interventions geared towards some product reengilieering as part of ongoing eff’orts to offer members options to finanrial access;
1. Emergency and School fees loans
The Sacco has waived Top up charges to all members with existing Emergency or School fees loans, who are desirous to do a top up. The waiver runs from 1st January 2026 to 3lst January 2026 to allow members meet the education needs for their loved ones and pressing needs for quic1‹ financing.
2. Non-Salaried Loan Product
The Sacco has reviewed the eligibility conditions of this product ef’fective 1st January 2026 to improve performance and recovery of amounts accessed .
i. The member must have Sacco Non-Withdrawable deposits totalling to at least Ksh. 20,000.
ii. The minimum amount one can qualify will be Ksh. 5,00 0 that shall graduate by Ksh.500 after every three months, consecutively to allow timely repayment subject to a maximum of Ksh. 10,000.
The interest rate of this product has been reviewed downwards to 12% p.a to encourage members’ patronage for those whose pay points is through MNS(The Saccco) effective 1st January 2026.
4. Jawabu Loan
The Sacco has introduced flexible interest Banding for this product, to allow members flexibility in terms of options offering, this will be an added advantage t(i those who would
want to pay back the loan within shorter tenor as follows;
Tenure(months)
% Interest Rate pa.
7 to36
13.5
3Y-72
14.5
Above 72
15.5
The maximum tenure of this product has also been reviewed to 108 months effective 15th December 2025 to 31st March 2026.
5. Change of Salary Pay-point for Development Loan, Super Loan and Vision Loan.
All members patronising these products must have their salaries channelled through their Mwalimu National D.T Sacco FOSA accounts effective 1st January 2026.
We believe these interventions will further provide greater financial flexibility to our members while upholding the Sacco’s commitment to responsible and inclusive lending, that is sensitive to our credit risk profile. Your continued trust and patronage remain vital as we work together to build a stronger and more sustainable Sacco.
Once again, we do sincerely thank you for your continued support and commitment to the SACCO and undertake to make it more member- centric.
Yours faithfully,
Kenneth Odhiambo.
Chief Executive Officer.
Mwalimu National Sacco Circular on Reduction of Interest Rates For Loans {Latest}
Jawabu loan — mwalimu Sacco,
Mwalimu Sacco loans calculator,
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Mwalimu national Sacco loans requirements,
Mwalimu national Sacco types of loans pdf download,
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1. Mwalimu Affordable housing gives you a chance to own a home by affording a member:
– Between Ksh 500000 and Ksh 8 million
– At 9%p.a on reducing balance
– Repayment period of up to 25 years, subject to retirement age.
This is offered through:
– Mwalimu Makao
– Mwalimu Ujenzi
– Re-Mortgages
2.) Mwalimu Insurance Premium Financing enables a member to acquire insurance premium loan for all his/her needs. This affords one:
– Loan financing of up to 10 months
– Flexible repayment arrangements
– Repayment interest rate of 10% flat rate.
3.) Mwalimu Asset Financing Loan gives one a chance to own:
– New or second hand vehicle
– Commercial or Private vehicle.
This loan affords one:
– 60% to 80% maximum financing
– Loan repayment period between 1-5 years
– Repayment interest rate of 1.25%p.m on reducing balance.
For further information contact Mwalimu National Sacco offices or call 0709898000 or 070989845
Mwalimu National is the largest African Sacco with a membership drawn from teachers all over Kenya. Mwalimu National seeks to enable the TEACHERS access affordable financial services. The SACCO enjoys membership from all parts of the country.
Location and Branches
Mwalimu National moved from DEVELOPMENT HOUSE to TOM MBOYA in 1984.34 years later Mwalimu National acquired land in upper hill and constructed its current premises; ‘MWALIMU TOWERS’
Mwalimu SACCO branch network are as stipulated below.
No:
Branch
Building
Street
1
Upperhill
Mwalimu Towers
Hill Lane, Off Mara Rd
2
Nairobi (Cbd)
Mwalimu Co-Op House
Tom Mboya Street
3
Kisumu
Reinsurance Plaza
Oginga Odinga Road
4
Nyeri
Mwalimu Co-Op House
Kanisa Road
5
Webuye
Afro Fancy House
Kenyatta Street
6
Mombasa
Pandheer Court
Nkuruma Road
7
Kisii
Lengetia Building
Kisumukisii Main Street
8
Tsc Hqs
Tsc Hqs – Upper Hill
Kilimanjaro Road
9
Kitui
Bonus Mall
Mukuti Street
10
Meru
Sawa Sawa Building
Kirukuri Street
11
Nakuru
Vickers House
Kenyatta Avenue
12
Eldoret
Zion Mall
Uganda Road
13
Kakamega
–
Cannon Awori Street
14
Machakos
–
Mbolu Malu Road
15
Embu
Wanjiru Mugo Shopping Centre
Kubu Kubu Road
16
Homabay
–
Rongo – Homabay Rd
17
Thika
Thika Bazar
Kenyatta Street
18
Kapenguria
Kapenguria Kraal Building
Mawingo Lane – off Kapenguria Lodwar Highway
Contacts
The SACCO has various platforms through which you can get help. Here they are:
1). Mwalimu Towers,
Hill Lane, Off – Mara Road, Upperhill.
P.O. BOX, 62641 – 00200,
Nairobi, Kenya.
2). Tel: 020 295 60000, 0709 898 000
3). Free SMS Line: 20156
4). Email: [email protected]
Mobile services.
Go-Mobile
Go-mobile is a mobile banking system that enables members transact at the comfort of their home or offices.
Go-mobile banking system
Do your banking from wherever you are through Mwalimu National’s new downloadable App or via short code *286*51#. The app is available on Android, ITunes, windows etc. With Go-Mobile you are able to:
Transfer money
Check your account balance
Access your mini statement
One needs to register for the Go Mobile service at the nearest Mwalimu National FOSA branch. Upon activation, he/she will receive a username and M-pin. Members should change their M-pins the first time they access this service. In case of further queries, kindly contact Mwalimu National on 0709 898 000.
Here are links to the most important news portals:
In 2019, the Kenya Secondary Schools Sports Association (KSSSA) limited the number of foreign players to be included in a school’s team. KSSSA had allowed schools to add a maximum of 4 foreign players to their teams and all these players can be fielded at the same time. But, for other team games (basketball, hockey, Rugby, volleyball, netball, and handball) schools would be allowed to include a maximum of three foreign players; with only two featuring for the team during a match at a time. KSSSA also limited the number of players that a school can transfer from another school. Consequently, no school would be allowed to transfer more than 2 players from another (same) school.
At the same time, the Ministry had also put a ceiling on the number of participants per team as shown below:
Swimming- 15 participants
Badminton- 6
Hockey- 20
Basketball- 12
Cross Country- 6
Volleyball- 12
Netball- 14
Handball- 14
Rugby 7’s- 11
Rugby 15’s- 20
Athletics- 2 per event
Soccer- 20
Table Tennis- 6
Lawn Tennis- 4
Here are links to the most important news portals:
Apart from the ceiling on the number of participants, the following rules shall also be in force:
1). Under 19 years rule: Schools will also be expected to field participants who are under 19 years old in all other disciplines apart from soccer under 16.
For this year, 2019;
a). Under 19 players must have been born on or after 1st September, 1999.
b). While, Under 16 players should have been born on or after 1st December, 2003.
2). The 90 day rule: As has been the norm, only students who have stayed in their respective schools for at least 90 days prior to the official commencement of the term one games (at Zonal level) will be eligible for participation. This rule does not, though, affect form ones, but new students in other forms must have reported to school by 15th November of the preceding year for them to be eligible. For 2019 a student must have reported to the current school by 15th November, 2018. It is important to note that this rule does not affect the 2019 form ones.
3). Repeaters: Students repeating in any class will not be allowed to participate during the repeating year. Such students can nevertheless be allowed to participate in the following year. This rule bars all form four repeaters from taking on to the fields of play; during the repeating year.
4). The six year rule: According to KSSSA, a student may participate at the secondary schools’ championships for a maximum period of six continuous years. For this year a student is expected to have sat for the KCPE exams on or after 2013.
5). Fielding of Foreign Students )Foreign players are those from other countries; outside Kenya):
Effective 2019, a team shall be expected to have a maximum of three foreign players. According to the new rules, schools will only be allowed to field two of the three foreign players at any given playing time.
6). Rule on players who have already qualified to the East Africa Games (FEASSSA);
According to KSSSA rules, a player from a team that has already qualified to represent Kenya in East African
games shall not be allowed to participate in another game/discipline for that particular sports year. This implies that players who have already qualified to FEASSSA games, from the recently concluded term one games, will not take part in the term two games.
7). Documentation: For schools presenting teams, the players/ competitors must have:
✅ MoE Declaration Form duly filled and signed by principal, coach and rubber-stamped with all participants details including UPI number. The Principal must commit him/ herself in writing if a student is missing on the NEMIS.
✅A copy of the Kenya Certificate of Primary Education, KCPE, certificate; certified by the Principal. (For form ones, they will be required to have a copy of their KCPE result slip).
✅A4 size group photo with the specified number of players for that event with only the Principal and coach posing with the players in the photo. The photo should be certified by the principal and rubberstamped at the back.
A coach who is not a teacher in the school shall not sit on the bench or actively interfere with the game/team.
✅A copy of the birth certificate also certified by the principal.
✅A photo Album (Spreadsheet) certified by the Principal.
✅The school Identity Card bearing the student’s details as indicated on the team list.
✅ 6 copies of team lists on school letterhead.
✅ All the above documents MUST be in a file clearly labelled with school name and the discipline/game.
Please note that;
a). The school’s ID card and team list must indicate the name,admission number,date of admission,date of birth, class and KCPE year.
b). In case of transfer of a student, it should be indicated in the ID, date of transfer and school transferred from.
c). In case of repeaters,it should clearly be indicated in the ID, the year of repeating and class.
d). The school stamp must touch both the photo and the card and must not obscure the face. All these must be presented during Zonal, Divisional, sub-county, county, regional as well as National competitions.
Additionally;
i). date refers to day, month and year.
ii). Composite teams will not require a group photo with the head of the institution.
iii). Students transferring from one school to another school’s
team shall not exceed two (2), if more than two, then all will not be eligible to play for a period of one year.
Why a team may be disciplined/ Banned.
According to the revised Kenya Secondary Schools Sports Association (KSSSA) constitution a team may be banned due to any of the following reason (s):
a). Fielding an ineligible player. The following scenarios describe who an ineligible player is:
i). A student who has not met the 90days rule.
ii). A student with faulty documents i.e. details not matching in the ID, team list and photoalbum (Spreadsheet).
iii). Not meeting the age rule-10 years and below.
iv). Not meeting the 6 year rule after KCPE.
v). Not meeting the transfer rule.
vi). Not adhering to the international student transfer rule.
b). Indiscipline;
This includes:
i). Fighting during the championships, whether one or more players involved the whole team will be banned.
ii). Anybody who fights in the games village shall be expelled from the games village and the championship.
iii). Stealing.
iv). Roughing referees and officials.
v). Roughing the crowd and the opponents.
c). Carrying extra players to the games village; in cases where players reside within designated villages/ schools.
Guidelines on conduct of Co-curriccular activities by TSC
The Teachers Service Commission, TSC, also released guidelines on protection of learners while on Co- Curricular activities. Via a circular released last year and which is still in force, TSC holds that:
“ALL Principals/Headteachers SHALL ensure that for any co-curricular activity (games and sports, music, drama, scouts, girl guides, educational tours, congresses, exchange programmes, debates, symposia, contests etc) within and/or outside the school, pupils/students are accompanied by at least one registered teacher of the same sex depending on the number of students/pupils involved in the activities.
Persons NOT registered as teachers (including teachers whose names have been removed from the register of teachers) should not be incorporated in the school programmes (including co-curricular activities) to teach, handle, manage, coach, supervise and/or assist in the teaching, handling, managing, coaching, supervision of pupils/learners.”
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