Accessible Loans & Savings
Yathu SACCO provides accessible loans, savings solutions, and financial empowerment services tailored to help individuals and communities grow financially across Malawi.
About us
Trusted Financial Cooperative Since 1996
Yathu SACCO is a member-owned financial cooperative committed to providing affordable loans, savings opportunities, and sustainable financial solutions. Originally established as Admarc Employees SACCO, the institution was rebranded in 2024 to reflect its broader mission of serving communities across Malawi.
We are dedicated to promoting financial inclusion, empowering members economically, and delivering reliable financial services with integrity and innovation.
How Much Do You Need
MK20,000 - MK10,000,000
24 months Maximum
Summary
Amount
MK30,000
Interest Rate
4.5%
Repayment Period
8 Months
Monthly Repayment
MWK4,354.17
Total Payable
MWK34,833.37
Interest Amount
MWK4,833.37
services
our products
Explore flexible financial products designed to support your personal, family, and business goals.
Build Ownership Through Shares
Yathu SACCO offers redeemable and non-redeemable shares that help members grow their investments while gaining access to loan facilities and annual dividend opportunities.
- Minimum monthly contribution of MK10,000
- Access to loan collateral benefits
- Annual dividend eligibility
- Flexible long-term financial growth
Flexible Savings & Deposit Solutions
Our savings products help members build financial security through ordinary deposits and fixed deposit investments with competitive interest rates.
- Ordinary deposits earning 8% interest
- Fixed deposits earning up to 12%
- Flexible savings options
- Secure long-term investment opportunities
Affordable Loans Tailored for Your Needs
We provide accessible loan products designed to support emergencies, business growth, personal development, and household needs.
- Normal loans up to 24 months
- Emergency loan solutions
- Income Generating Activity (IGA) loans
- Fast and transparent loan processing
process
HOW TO GET YOUR LOAN
Become a Member
Register with Yathu SACCO and begin contributing shares and savings.
Choose a Loan Product
Select a loan solution that matches your financial needs and repayment ability.
Submit Your Application
Complete the required loan application forms and provide supporting documents.
Receive Approval & Funding
Once approved, funds are processed quickly and repayment begins according to agreed terms.
FREQUENTLY ASKED QUESTIONS
Everything You Need to Know
Find answers to common questions about our loans, savings products, repayment plans, and membership services.
What loan products does Yathu SACCO offer?
We offer Normal Loans, Emergency Loans, Material Loans, Income Generating Activity (IGA) Loans, and Special Loans tailored to different financial needs.
How long does loan approval take?
Loan processing times depend on the product and documentation provided, but applications are reviewed as quickly as possible to support members efficiently.
What are the requirements for joining Yathu SACCO?
Members are required to complete registration forms and begin contributing shares and monthly savings according to SACCO membership guidelines.
Can I calculate my loan repayments online?
Yes. Our online loan calculator helps members estimate monthly installments, total interest, and repayment schedules before applying.