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ISHEMA SACCONYAMAGABE
Representative rural residents seated while waiting for SACCO service

Services

Choose what you want to do

Explore savings, membership and loan enquiries, with contact options and practical calculators.

This website does not receive money itself

Never send a PIN, password or money through this website. Confirm any payment instruction with the SACCO through a verified contact.

ISHEMA SACCO NYAMAGABE

Before choosing a service

These service categories help you prepare your questions. Current availability, eligibility and prices must first be confirmed by the SACCO.

Saving

ISHEMA management must confirm the savings and account options it offers.

Terms to confirm
Interest and calculation method
Not yet verified
All charges
Not yet verified
Minimum account balance
Not yet verified

Loans

Management must confirm loan types, interest, duration and security requirements before publication.

Terms to confirm
Interest and calculation method
Not yet verified
All charges
Not yet verified
Minimum account balance
Not yet verified

Membership

Management must confirm shares, registration fees and required documents.

Terms to confirm
Interest and calculation method
Not yet verified
All charges
Not yet verified
Minimum account balance
Not yet verified

Other services

Details of deposits, withdrawals, transfers, payments and partner services will be published after approval.

Terms to confirm
Interest and calculation method
Not yet verified
All charges
Not yet verified
Minimum account balance
Not yet verified

Preparation guidance only. This is not a contract or confirmation of eligibility.

Find SACCO contact options

MTN MoMo

MoMo payment guidance

These are steps for using MoMo on your phone. You are not paying through this website: it does not process transactions, receive a PIN or confirm that money reached an account.

Open MoMo: *182#

The button opens your phone dialer only when you tap it. On a computer, read *182# and dial it on your phone.

  1. 1Dial *182# to open MoMo.
  2. 2Choose the merchant payment or MoMoPay option shown in your phone menu, then follow the instructions displayed on your phone.
  3. 3Request payment instructions from the SACCO through its published contact route.
  4. 4Read the merchant name and amount on the MoMo screen before confirming.
  5. 5Enter your MoMo PIN only inside the MoMo menu, then keep the transaction SMS or reference.

Consumer guidance

What to check before using a service

Ask the SACCO for requirements, fees and rates before choosing a service. This BNR consumer guidance helps you prepare the questions to ask.

Request key facts

Before receiving a service, ask for a key-facts statement showing how it works, rates, fees and other charges.

Consumer rights

Compare the cost

Use BNR's Gereranya to compare costs from licensed financial institutions. Check that the price you are quoted matches the published tariff.

Open Gereranya

Confirm before paying

Read the contract, expected timing and complaints route. Never send money or a PIN before confirming the recipient and approved channel.

Ask for help

Loans

Discuss your borrowing needs

Choose a topic to discuss with the SACCO. Ask about requirements, cost and repayment periods; these categories help you prepare your enquiry.

Personal loanAgriculture loanBusiness loanEducation loanHousing loanEmergency loanGroup loan

Loan estimate calculator

This is an illustration only. Enter the rate quoted by the SACCO; it is not an Ishema SACCO rate and does not approve a loan.

Estimated monthly payment

44,424 Frw

Estimated total

533,093 Frw

Ask before making the journey

Review the available ways to get assistance and prepare for your visit.

See contact options