BRIDGE TO GROWTH SACCO

TESTED AND CONFIRMED PATH TO YOUR FUTURE GROWTH
Bridge to Growth Begun as a small Self-help Group in Year 2024, an entity within Transforming Grace Ministries in Embakasi Nairobi, by Five Couples (Ten Members) as led by Mr. Munala a.k.a Apostle Wycliffe Jackson and whose objective was to help Church members of the very Church Community to meet their various needs which seemed a little weighty for them. We majored mostly on Welfare, Mercy Ministry Services to the people in various needs and Merry-go-rounds amongst ourselves as well as small savings with which we could use to start small businesses for some of our members to solve financial challenges. The achievements we realized in relation to Life-Transformation is the reason a lot of People got attracted and showed their interest in joining us. This therefore made us open the membership to the entire community for anyone from anywhere within this Country thus registering BRIDGE TO GROWTH SELFHELP GROUP into a Savings and Credit Co-operative Society – BRIDGE TO GROWTH SACCO. This has given us an opportunity to serve many people and transform Lives through Savings and Credit, job opportunities we create through Our SACCO Projects and much other merits. We therefore encourage you to Join, Grow and Develop with us, since, “The Reason I am is Because You are.”
Why choose us?
We Are Fully Verified and Licensed by Sacco Societies Regulatory Authority (SASRA).
About Us:
BRIDGE TO GROWTH SACCO is a Savings and Credit Co-operative Society registered under the Co-operative Societies Act (CAP 490) Laws of Kenya. It was founded in 2024 by Church Members who Fellowship at Transforming Grace Ministries in Baraka-Mowlem in Embakasi West, and later opened Membership to the Members of the Surrounding Community.
We have our Headquarters Office at Umoja3 Stage Next to Umoja3 Hospital in Embakasi West. We also Purpose to establish Offices in various parts of the Country to help our Members reach us with ease.
The main Purpose of BRIDGE TO GROWTH SACCO is to provide its members with a platform upon which they can make savings and access Credit for a productive Living.
MOTTO
 “Your Power is in Our Partnership.”
VISSION
“Transforming lives and fostering economic independence by providing innovative financial tools for sustainable Growth.”
MISSION
 “To Empower Our Members to achieve Financial freedom and uplift their Communities through accessible, innovative and affordable Financial Solutions, Fostering a Culture of Savings and Responsible Growth.
CORE VALUES
BRIDGE TO GROWTH SACCO’s Vision and Mission will be Achieved through Embracing the following Core Values:
Customer Focus – We are Committed to achieving the Best Customer Service Standards through continuous improvement of products and services with high regard for our members and stakeholders.
Integrity –  In the conduct of Our Sacco’s affairs, we consistently uphold the highest ethical standards, and demonstrate honesty and fairness in all operations. The Sacco endeavors to maintain a culture of transparency and accountability in dealing with its customers and stakeholders.
Teamwork – BRIDGE TO GROWTH SACCO recognizes the importance of teamwork in achieving results. The Sacco fosters teamwork among staff, board members and stakeholders in order to enhance achievement of its mission and objectives.
Creative and Innovativeness –  The Sacco recognizes the need for creative and innovative approaches to addressing the ever-changing customer needs. Therefore, BRIDGE TO GROWTH SACCO encourages and support creativity and innovation among its employees.
Professionalism –  The Sacco upholds professional and personal standards in the conduct of its affairs while ensuring provision of high quality products and services to its customers.
REGISTRATION
BRIDGE TO GROWTH SACCO Considers and or Approves Membership from applicants who fulfil the conditions as listed below:
i) Be 18+ Years of Age

ii) Be a Kenyan Citizen
iii) Provide Identification copies of self & Nuclear family Members (Spouse, Children, Parent’s). ID, Birth certificate where Applicable.

iv) Provide Passport Photos of Self & Nuclear Family Members (Spouse, Children, Parent’s),
v) Name. ID, Pasport 2Photos and/ Birth Certificate of Your Next of Keen. vi) Registration fee of KShs 500 vii) Benevolent fund KShs 2,400
viii) PARTNERS COMMUNITY SACCO Tshirt KShs 700 ix) Passbook KShs 150 x)1st saving of KShs 1,050 xi) File KShs 200 TOTAL =KShs. 5,000
ELIGIBILITY
Share capital
Members have the Opportunity to own shares of KShs.5,000.
The shares are Transferable but not Withdrawable.
The amount Payable may change from time to time depending on the SACCO’s General Annual Financial Reports on Growth and Development of the SACCO during Our Annual General Meeting. However, this is achieved through amendments.
Savings + Benevolent Minimum monthly savings contribution of KShs 1,250.
No ledger fees applicable.

MEMBER BENEFITS’ AT BRIDGE TO GROWTH SACCO
LOANS
EMERGENCY LOANS
Available after 3months of savings
A member can get a top-up
Processed within 24hrs
Payable within 6 months
Interest rate of 12% p.a
Refinanced at 10% of running balance
SCHOOL FEE LOANS
Available after 3months of savings
A member can get a top-up
Processed within 24hrs
Payable with 12months
Interest rate of 14% p.a reducing balance
Only three school fee application may be made within
12months period.
SUPER NORMAL LOANS
Available after 3months of savings
Processed within 24hrs
Payable within 36months
Interest rate of 12% p.a
Maximum of 3times of savings
Security required where applicable 
ACCELERATED NORMAL LOANS
Available after 3months of savings
Customized to cater for members need
Over 1 million available
Processed within 7 working days
Payable with 48months
Interest rate of 14% p.a
Security required where applicable.
BENEVOLENT
The SACCO will co mpensate up to KShs. 200,000 to Beneficiaries of members who pass-on, to help give them a decent send off.
In event of loss of nuclear family Members’ Parents/In laws , the members will be compensated with up to KShs. 50,000.
DIVIDENTS
BRIDGE TO GROWTH SACCO is currently offering a Total Sum of between 15%-20% interest to its Members as Dividends. This is also likely going to shoot high depending on the Growth realized.
INSURANCE
The SACCO acts as an insurance agency for members’ policy covers against;
Motor vehicles
Property
Retirement benefits
Last Respect
SCHOLARSHIP PROGRAMS
The SACCO is yet to start shopping for members’ children’s scholarships. We look forward to partnering with Cooperative bank of Kenya as it is yet to be determined by Co-op holdings Co-operative society ltd directors from time to time.
PROJECTS
The SACCO is yet to engage KUSCCO and NACHU to project best way the members can become Home owners. 
Financial Education and Empowerment
At BRIDGE TO GROWTH SACCO, We offer regular Workshops and Seminars aimed at Equipping our Members with the Knowledge and Skills to make informed Financial decision.
Social Impact
Beyond financial services, BRIDGE TO GROWTH SACCO actively contributes to Community Development initiatives. We invest in Projects that Promote Education, Healthcare, Environmental Sustainability and Poverty alleviation
Digital Banking Convenience
BRIDGE TO GROWTH SACCO provides a user-friendly and secure digital banking platform that helps you to Access your accounts, check balances, transfer funds, and apply for loans from the comfort of your home or office, and this is to say we embrace Technology in this modern times.
Tailor made products
All members of BRIDGE TO GROWTH SACCO are entitled to access on and or to Competitive Interest Rates, Flexible Saving-plans, and low-interest loans for various purposes, such as Education, Housing and Entrepreneurship.
CONTACTS:
Mobile Phone: 0715866066 or 0715840568 P.O BOX …………-00100, NAIROBI
Email: bridgetogrowthsacco@gmail.com