Savings Products
Flexible savings plans for growth, discipline and access
NIH Sender helps customers build wealth through flexible savings packages designed for individuals, groups, chamas, small businesses and low-income earners.
The savings ecosystem connects daily savings, personal savings, long-term wealth creation, group savings and micro-savings with the wider NIH Sender digital finance platform.
NIH Sender Savings
Active Plans
Wealth Builder Console
Flexible savings packages
Build wealth with structured plans
Individual SavingsQueens • Kings • Save Smart • Earn Ki-Bossy
Group & Chama SavingsMama na Chama • Savings Bumba
Micro SavingsMama Mboga Daily Savings
Personal • Group • Community • Small Business
Build wealth
Flexible savings packages for customers who want structured financial growth.
Targeted returns
Plans include interest or annual return figures as listed in the product catalogue.
Community saving
Group, chama and community plans for collective financial growth.
Loan readiness
Micro-savings supports instant loan eligibility savings for customers.
6.1
Individual Savings Plans
Personal savings options for daily discipline, flexible saving, personal wealth building and long-term financial goals.
3%–5%
Queens Savings
Daily savings plan with targeted returns for customers who want consistent saving discipline.
- Daily savings
- Targeted returns
- Listed interest: 3%–5%
3%–5%
Kings Savings
Flexible savings product positioned around competitive interest and easier saving control.
- Flexible savings
- Competitive interest
- Listed interest: 3%–5%
10%
Save Smart
Personal savings plan for customers who want a structured way to grow savings.
- Personal savings
- Structured growth
- Listed annual returns: 10%
18%
Earn Ki-Bossy
Long-term wealth creation savings plan for customers focused on stronger future growth.
- Long-term wealth creation
- Future-focused saving
- Listed annual returns: 18%
6.2 / 6.3
Group, Chama & Micro Savings
Savings solutions for chamas, community groups, small businesses and customers building financial access through low-income savings plans.
Group savings solution
Mama na Chama Savings
A group savings solution for collective saving, chama growth and community-based financial discipline.
Group savings
Chama-friendly
Community structure
Savings Bumba
Group and chama savings product listed with 15% annual returns in the catalogue.
Community Savings Plans
Community-based saving support for collective financial goals and shared growth.
Micro savings
Mama Mboga Daily Savings
Small business savings for low-income earners, with flexible savings plans and instant loan eligibility savings.
Savings Journey
How the savings platform fits into NIH Sender
A clean digital journey that helps customers choose a plan, save consistently, track progress and strengthen financial readiness.
Choose a plan
Select an individual, group, chama, community or micro-savings product.
Save consistently
Build discipline through daily, flexible, personal or community savings structures.
Track growth
Monitor saving progress, plan performance and financial goals in one ecosystem.
Strengthen access
Use savings history and eligibility savings to support wider financial access.
Important note
Published returns should be confirmed before going live
The page keeps the interest and annual return figures exactly as provided in the product catalogue. Because these are financial claims, they should be verified by NIH Sender before publication.