WHAT IS JATU SACCOS?

Hii ni saccos ya wanaJatu ambayo huwakopesha wanachama wake kwa riba na masharti nafuu na asiyo na riba, Saccos ya Jatu huwasaidia wanachama wake kwa kuwakopesha theluthi mbili 2/3 ya vitendea kazi pamoja na pembejeo za kilimo, lakini pia mwanachama wa jatu anayeshiriki kilimo kwa kushirikiana na Jatu huweza kupatiwa mkopo kiasi cha mara tatu ya fedha yake aliyotunza kwenye saccos na mkopo huo huwa hauna riba kabisa,mkopo huo utalipwa baada ya mkulima kuvuna na kuuza mazao yake.

Credit

Jatu Company through its SACCOS(JATU SACCOS LIMITED) has been enabling its members to obtain low interest rates and completely interest-free loans to its members participating in JATU agricultural projects. The goal is to ensure that the person achieves his or her goals, including success in agriculture. The Jatu member qualified to join this SACCOS is the one who has joined the company and bought at least 50 shares. The admission of Jatu SACCOS is only 10,000 / = shillings. imekuwa ikiwawezesha wanachama wake kupata yenye riba nafuu na mikopo isiyo na riba kabisa kwa wanachama wake wanaoshiriki miradi ya kilimo ya JATU.

Lengo ni kuhakikisha mwanajatu anafikia malengo yake ikiwa ni pamoja na kufanikiwa katika kilimo.

Aina za Mikopo

1) Mkopo wa kilimo

Mkopo huu hauna riba kabisa, mkulima atakopeshwa na gharama zingine yaani 2/3 za kulima bila kuwa na riba. Mkopo huu utarejeshwa baada ya msimu wa kilimo kuisha.pia mkopo huu utadhaminiwa na mwanachama mwenyewe, mazao yake,hisa pamoja na akiba yake.

2) Mkopo wa dharura

Mkopo huu hutolewa kwa mwanachamawa JATU SACCOS kwa riba nafuu(10%).kwa ajili ya dharura mfano, magonjwa. Marejesho hufanywa ndani ya mwezi mmoja tu baada ya mkopo kuchukuliwa.

3) Mkopo wa maendeleo

Mkopo huu hutolewa kwa  mwanachama wa JATU SACCOS kwa riba nafuu(10%),kwa ajili ya shughuli za kimaendeleo, marejesho yake hufanywa kila mwezi kwa muda wa miezi sita hadi thelathini na sita.

VIGEZO VYA MKOPO WA KILIMO JATU SACCOS

  1. Awe mwanachama wa JATU SACCOS

i). Gharama ya kujiunga ni Tsh 50,000(kwa mwanachama mpya)

ii). Awe na hisa zisizopungua 50 za SACCOS (@2500=125000)

2.  Aweke akiba ya 1/3 ya gharama za kilimo kulingana na ekari zake.

3.  Alipe ada na kinga dhidi ya majanga ya mkopo (3% ya mkopo)

4.  Alipe gharama ya fomu ya mkopo ambayo ni Tsh 10,000

5.  Mwanchama ni lazima awe mkulima anayelima kwa msimamizi wa JATU PLC

Bima Ya Afya

Every Jatu Member who has joined Jatu SACCOS and meets all the criteria including being an active member within 3 consecutive months, this one gets a chance to be integrated into the health insurance fund (if he or she needs it). The health insurance offered by JATU is affordable that every SACCOS member can afford.

Bima ya NIA NJEMA na kupatiwa dhamana na Strategies, Bima hii ni mpango wa Bima ya matibabu kwa vikundi.

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