Mr Hesbon Kiage stands tall with optimism, his eyes fixed on the horizon. It is a gaze filled not with anxiety, but with the quiet confidence of a man who knows exactly where he is going. He is a man on a mission, focused on building a legacy for his family.
But the view wasn’t always this clear. Just three years ago, Kiage’s reality was starkly different. Working as a boda-boda rider, he found himself caught in a cycle of living hand-to-mouth. Despite his hard work, his savings were irregular, his account lay dormant, and his financial purpose felt undefined.
“Joining Jamii DT Sacco turned my life around completely,” Kiage reflects. “Before, I saved less and had no clear path. Today, I have a purpose. My life is improving day by day.”
The Turning Point
The transformation began with a chance encounter. Kiage admits that when he first signed up, he didn’t fully understand the power of the cooperative model. It wasn’t until he sat down with a Jamii DT Sacco staff member that the lightbulb turned on.
“I was guided on how to save, and it opened my eyes,” he recalls. “I realized there were products designed specifically to help me achieve my aspirations and grow wealth.”
Armed with financial literacy, Kiage moved from being a dormant member to an active investor. He familiarized himself with the Sacco’s diverse portfolio—from Sawa Savings Account, a withdrawable savings account for income processing, Jamii Junior Savings Account for children below the age of 18 years old, Holiday Savings, Jamii Asset Finance Savings Account, Golden Savings Account (Retirement Savings Account), to Special Deposit Account (Fixed Deposit Account).
Funding the Dream
With the Sacco as his financial backbone, Kiage expanded his business from just being a boda-boda operator to a more lucrative venture: merchandise buying, selling, and delivery.
The growth of his business has been fueled by the Sacco’s accessible credit facilities. Jamii DT Sacco offers a wide range of credit products, including Asset Finance, Micro-credit, Short-term, and Long-term loans. For Kiage, the flexibility of the Sacco’s digital platforms has been a game-changer.
“I like their mobile banking,” he says, referencing the Jamii M-Cash App and USSD codes (*879# or *806#). “It enables you to access instant loans like Jamii M-Cash Loan, Jamii Mshahara Loan, Wiki Loan and Jamii Advance 3 Loan with flexible repayment options. I manage my finances on the go, which makes business stress-free.”
However, Kiage’s vision extends beyond his business. He is deeply committed to his family’s welfare. He has utilized the Sacco’s education products to ensure his children attend school without financial hiccups, and he has opened Jamii Junior Savings Accounts to teach them the value of money early on.
“I never worry about school fees; the Sacco has my back,” he avers. “Through Jamii, I am inculcating a saving culture in my children.”
Currently, Kiage is utilizing the Asset Financing products to actualize his ultimate dream: building a family home where his children have ample space to play and grow.
A Partner for the Future
Looking back at his socioeconomic journey, Kiage sees Jamii DT Sacco not just as a bank but as a partner.
“My experience has been good. Here, we save and invest together,” he says. “I urge business people, especially those starting small, to join Jamii DT Sacco. You will find advice that helps you for the future. It is the place to invest and grow.”
For Hesbon Kiage, the horizon is no longer a distant dream—it is a destination he is reaching, one deposit at a time. And Jamii DT Sacco is holding his hand every step of the way.
