Pamoja Outsourcing Product:
- CTS recognizes the diverse socio-economic groupings in northern Kenya.
- Common-Interest Groupings (CIGs) include artisans, farmers, and trading groups.
- CTS partners with CIGs, offering Shariah-Compliant services, back-office, front-office activities, financing, and investments.
- Third-party SACCOs are also serviced through a formal partnership.
Liability Account Structuring:
- ‘Pamoja-Chama Account’ for informal and registered groups.
No basic membership requirements for linked members.
- Internal linkage for group contributions and benefits monitoring.
Small administrative fee may apply.
Asset Structuring (Financing):
- Collective or individual financing after 3-6 months of group cohesion.
Various Islamic Micro-finance contracts used based on the type and item being financed.