Permanent Shares

YOUR STAKE IN THE COOPERATIVE

• Start from just E100 (up to E3,500)
• Earn 5% annual return
• Builds your ownership in Saphumula

Join, invest, and earn as a co-owner!

Ordinary Savings

SIMPLE. RELIABLE. REWARDING.

• Save from E100 monthly
• Earn a solid 7% interest per year
• Boosts your loan eligibility

Consistent saving never felt this good.

Maxi Plus

YOUR 5-YEAR GROWTH PLAN

• Save from E100 monthly
• Enjoy 6% fixed interest per year
• Acts as collateral for Development Loans

Plan ahead for big goals — and get rewarded.

Etsala Fund

YOUR RETIREMENT SAFETY NET

• Save E100 monthly
• Earn 8% interest — highest of all!
• Locked for 5 years or until retirement

Your future is worth investing in.

Health Care Fund

CARING FOR YOU AND YOUR LOVED ONES

• Save E50 monthly
• Access funds once a year for medication
• Open for you and your beneficiaries

Health savings with heart.

Education Fund

SECURE YOUR CHILDREN’S FUTURE

• Save from E200 monthly
• Earn 5% interest
• Doubles as collateral for Education Loans

Because dreams deserve funding.

Asijabule Fund

CELEBRATE LIFE’S BEAUTIFUL MOMENTS

• Save E100 monthly or per event
• Earn 5% annual interest
• Withdraw once a year for events like holidays, festivals, birthdays

Your joy fund – because you deserve it.

Imbewu Fund

PLANT TODAY. HARVEST TOMORROW.

• Save E150 monthly
• Earn 6% interest 
• Withdrawable after 36 months
• Ideal for weddings, graduations, or investments

For dreams that take time to grow.

Burial Fund

PEACE OF MIND FOR YOUR FAMILY

• Cover up to 7 family members for just E40/month
• E100 once-off joining fee
• Receive E20,000 cover

Affordable dignity when it matters most.

Inyango

YOUR HIGH-YIELD LEGACY FUND

• Contribute E10,000 once
• Locked for 36 months
• Earn a generous 10% interest

Big savings, bigger returns.