Join as a Referral Member

Membership is open to individuals referred by a specific member, former staff of the affiliated organizations, member’s spouse and children who are of legal age, any other individual referred by an active member. (Refer to AMREF SACCO By-Laws)

Application process as a referral member is as follows:

  1. Complete the Referral Membership Form (download here)
  2. Complete sections B, C, D & E and attach a copy of your ID, KRA Pin and either of the following:
    • Employment contract/appointment letter or 
    • business registration certificate or 
    • a canceled cheque or 
    • a letter from your Kenyan Bank confirming that you are an account holder with them.
  3. Submit form for approval with all fields filled and relevant documents attached to

Membership Conditions 

  • Pay Ksh. 2,000 entrance fee which is deducted from the initial member deposit contribution.
  • Pay the minimum share capital of Ksh 10,000 (payable in a maximum of 5 installments of Ksh. 2,000).
  • Pay a minimum of Ksh. 2,000 every month toward the member deposit account.
  • Member qualifies for loans after 6 months of membership.
  • Membership withdrawal – 60 days written notice is required. An exit fee of Ksh 2,000 will be charged.
  • Last expense cover for all active members. Ksh 100,000 funeral costs is payable to nominated next of kin upon a member’s demise.

Want to Join AMREF SACCO? (Referral Member)

Loan product inquiry