In today’s digital age, managing finances has become easier than ever, thanks to mobile apps and USSD services. For members of Kimisitu SACCO, the M-Kimisitu Mobile App and USSD code offer convenient and efficient ways to manage their accounts, apply for loans, and perform transactions from the comfort of their homes. This guide provides a detailed overview of how to get started with the M-Kimisitu app and USSD services, ensuring you can navigate both platforms with ease.
M-Kimisitu Mobile App Guide
The M-Kimisitu Mobile App is currently available only on Android devices, allowing Kimisitu SACCO members to access their accounts, check balances, apply for loans, and make repayments. Here’s a step-by-step guide to help you use the app efficiently.
Registration for the M-Kimisitu Mobile App
- Submit Your Application:
- Fill in the M-Kimisitu SACCO application form and submit it physically to the SACCO offices.
- Once processed, you will receive an SMS with a default PIN for your account.
- Change Your Default PIN:
- Dial *346# on your phone.
- Enter the default PIN sent via SMS.
- Select option 10 (Change PIN) and set a new PIN.
Installing the M-Kimisitu Mobile App
- Download the App:
- Visit the Google Play Store and search for “Msacco Plus” by Coretec System and Solutions Limited.
- Install the app on your Android device.
- Set Up the App:
- Open the app, accept the terms and conditions, and enter your registered Safaricom phone number.
- Select “Kimisitu SACCO” from the list of available SACCOs and click “OK.”
- A verification code will be sent to your phone via SMS. Enter the code to complete registration.
Key Features of the M-Kimisitu Mobile App
- Checking Your Account Balance:
- Log in using your registered phone number and PIN.
- Navigate to the “Account” section, where you can view your balance or request a mini statement (charged Ksh 10).
- Loan Requests:
- From the home screen, click the “Loan” icon and choose “Request Loan.”
- Select the loan type (M-Kimisitu) and enter the amount you wish to borrow.
- Submit your request, and the loan amount will be sent directly to your M-Pesa account.
- Loan Repayments:
- Click on the “Loan” icon and choose “Repay Loan.”
- Select the loan type, enter the amount, and repay via M-Pesa by entering your M-Pesa PIN.
- Withdrawals and Transfers:
- To withdraw funds, click on the “Transact” icon and select “Transfer to M-Pesa.”
- To transfer funds between accounts, select “Cash Transfer” and follow the prompts to complete the transaction (charged Ksh 10).
M-Kimisitu USSD Code Guide
For members who do not have smartphones or internet access, the M-Kimisitu USSD service (*346#) provides a simple way to manage SACCO transactions. Here’s how to use the service:
- Change Your Default PIN:
- Dial *346#, enter your default PIN, and select option 10 to change it.
- Loan Requests:
- Dial *346#, select option 3 for “Loan,” and choose option 1 to request an M-Kimisitu loan.
- Enter the loan amount and confirm.
- Loan Repayments:
- Select option 3 (Loan), then option 2 (Repay Loan).
- Choose whether to repay via M-Pesa or Disbursement Account, then confirm the payment.
- Account Withdrawals and Fund Transfers:
- For withdrawals, select option 1 (Withdraw) and follow the prompts.
- To transfer funds, select option 4 (Funds Transfer) and follow the instructions.
Managing your Kimisitu SACCO account has never been easier, thanks to the M-Kimisitu Mobile App and USSD code service. Whether you’re checking your account balance, applying for a loan, or transferring funds, these platforms provide secure and convenient ways to handle all your SACCO transactions. If you haven’t yet registered, take the steps today to enjoy the full range of benefits and manage your finances seamlessly.
