UMOJJA PAY Loan

Need cash to start small businesses? Borrow from one of the most steadfast instant provider loans in Kenya,DR Congo, Zambia, Burundi, Tanzania ,.... The UMOJJA PAY Loan helps you stay liquid and launch your business idea . Get the loan at a competitive rate and with a one-month repayment period. What’s more, you have the freedom to take out multiple loans if you are well within your limit!

Why start a business in Kenya,DR Congo, Zambia, Burundi, Tanzania with UMOJJA PAY Loan ?

There are many reasons that will push people to start their businesses in Kenya,DR Congo, Zambia, Burundi, Tanzania, etc....

Pursue passion Starting a business in Kenya,DR Congo, Zambia, Burundi, Tanzania, etc.... should have you loving what you do and creating for others. It would be best if you were naturally business-oriented for a smooth run and outcome.

High unemployment rate With the high rate of people not having a place to earn and put food on their table, Kenyans have gone back to the drawing board with self-employment as a tool to improve their lives.

Ability to get people with the same interests Creating unique products and having people admire and buy them is good enough for every entrepreneur. You can communicate and relate with customers depending on the type of products you are selling them.

Work from anywhere It is easy to work at any place of your convenience while you are running your own business. Be it on social media, you can do the necessary in the comfort of your own home.

Take charge Through your business, you can manage and control what's going on with your company. As the owner, you are responsible for everything that's running under the job you have created.

Whatever you need the cash for :

• Drinking water supply :
  Starting a water-selling business could be ideal for both you and the people buying the water. With a clean water bank and disposable bottles, you can deliver and refill water for people and sell them at a lower price, encouraging them to buy and refill from you.
• Selling fast foods :
  Not so many people have time to cook, and some goes to work but can't be able to carry packed foods for lunch. Having a fast food joint from which people can order food will be it for you. You can specifically decide if it's fries you want to be selling and let them know this is your area of expertise. Start by checking the market price you can get potatoes for at a price, and then buy the oil you will use to prepare them with at a wholesale price in bulk.
• Groceries business ( fruits, vegetables, bread ) :
  The good thing about starting a groceries business is that you can create it with less than CAD60 to CAD100. There's goodness that comes with dreaming big but starting small will be the way to go. See to it that you have the Kenyan basic needed groceries and get people to buy them. While at it, ensure that your groceries are fresh and healthy. This way, people will get to be more interested in what you are selling them.
• Selling undergarments:
  This is a business that will never run out of style. So many people need undergarments and setting up your business to create awareness about them will be a good idea. You can buy them in bulk at a wholesale price and sell them at your own price for people to make purchases for them. You can also set up an online account and post clear photos of what you have for your followers to buy.

How to apply for UMOJJA PAY loan

• Access the Umojja Pay menu in your Umojja account
• Request loan
•  

The loan will be deposited to your Umojja Pay account. To access the loan, move the money to your mobile money or your bank account. You will not be charge the withdraw money too.

Rates & Fees

The UMOJJA PAY loan rate is 6.90% if you meet the deadlines. Otherwise, the rate will increase by 9.99% for the second month, and the third month it will be 5% after 15 days .

The business owner must report to us on the progress of the business every month after obtaining the business loan.