{"id":1038,"date":"2026-06-02T13:04:50","date_gmt":"2026-06-02T13:04:50","guid":{"rendered":"https:\/\/crescentsacco.com\/?page_id=1038"},"modified":"2026-06-02T15:43:04","modified_gmt":"2026-06-02T15:43:04","slug":"financing","status":"publish","type":"page","link":"https:\/\/crescentsacco.com\/index.php\/financing\/","title":{"rendered":"Financing"},"content":{"rendered":"\t\t
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Collateral Framework<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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CTS accepts the following as security for financing facilities:<\/span><\/p>

  • Self-Guarantee with Personal Savings.<\/span><\/li>
  • Member Co-Guarantee.<\/span><\/li>
  • Ayuta Group Guarantee.<\/span><\/li>
  • Direct Salary Assignment.<\/span><\/li>
  • Conventional Collateral (e.g., Log-Books, titled property).<\/span><\/li>
  • Chattels Mortgage over Livestock and Household Items.<\/span><\/li>
  • Hypothecation of Business Stock.<\/span><\/li>
  • Reference by Local Chief or Imam.<\/span><\/li>
  • Key-Man Guarantee (Dhamana) by a respected family member or community leader with capacity to repay.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Financing Products<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    1. E-<\/strong>Kash<\/strong><\/span>\n
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      • Purpose: Short-term, mobile-based emergency financing.<\/span><\/li>\n
      • Shariah Contract: Qard-Al-Hassan (profit-free) or Commodity Murabaha (profit-earning).<\/span><\/li>\n
      • Limits: KES 500 \u2013 25,000 (Personal); KES 25,000 \u2013 100,000 (Professional, available as standing limit upon application).<\/span><\/li>\n
      • Repayment: 30 days (weekly payments optional) or 90 days (monthly payments optional).<\/span><\/li>\n
      • Cost: Documentation Service Fee: KES 50 \u2013 7,500 depending on limit. Zero profit on Qard-Al-Hassan facility.<\/span><\/li>\n<\/ul>\n<\/li>\n
      • Edu-<\/strong>Kash<\/strong><\/span>\n
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        • Purpose: School fees financing.<\/span><\/li>\n
        • Shariah Contract: Service Ijara (Service Murabaha).<\/span><\/li>\n
        • Limits: Primary\/Secondary: KES 5,000 \u2013 100,000 per term. College\/University: KES 5,000 \u2013 250,000 per semester. Professional Certifications: KES 5,000 \u2013 250,000 every six months.<\/span><\/li>\n
        • Member Contribution: 30% of requested amount.<\/span><\/li>\n
        • Repayment: Primary\/Secondary: 1\u20134 months. College\/University\/Professional: 3\u20136 months.<\/span><\/li>\n
        • Cost: Documentation Service Fee: KES 500 \u2013 10,000. Expected Profit Rate: 12\u201318% depending on tenor.<\/span><\/li>\n<\/ul>\n<\/li>\n
        • Micro-Asset Finance<\/strong><\/span>\n
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          • Purpose: Financing micro-assets such as home-based assets, small-scale machinery, and business equipment.<\/span><\/li>\n
          • Shariah Contract: Murabaha.<\/span><\/li>\n
          • Limits: KES 5,000 \u2013 1,000,000.<\/span><\/li>\n
          • Member Contribution: 30%.<\/span><\/li>\n
          • Repayment: 6\u201324 months.<\/span><\/li>\n
          • Cost: Documentation Service Fee: KES 500 \u2013 25,000. Expected Profit Rate: 12\u201318% flat rate depending on tenor.<\/span><\/li>\n
          • Collateral: Self-Guarantee, Asset under Purchase, Ayuta Group Guarantee, Direct Salary Assignment.<\/span><\/li>\n<\/ul>\n<\/li>\n
          • Ayuta<\/strong> Biz-<\/strong>Kash<\/strong><\/span>\n
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            • Purpose: SME financing for trading members.<\/span><\/li>\n
            • Shariah Contract: Murabaha, Diminishing Musharaka, Ijara.<\/span><\/li>\n
            • Limits: KES 5,000 \u2013 1,000,000.<\/span><\/li>\n
            • Member Contribution: 30%.<\/span><\/li>\n
            • Repayment: 6\u201324 months.<\/span><\/li>\n
            • Cost: Documentation Service Fee: KES 500 \u2013 20,000. Expected Profit Rate: 12\u201318% flat depending on tenor.<\/span><\/li>\n<\/ul>\n<\/li>\n
            • Ayuta<\/strong> Micro-Asset Finance<\/strong><\/span>\n
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              • Purpose: Financing micro-assets such as solar kits, workshop equipment, boda-boda, tuk-tuks, machinery, and small-scale business equipment.<\/span><\/li>\n
              • Shariah Contract: Murabaha.<\/span><\/li>\n
              • Limits: KES 5,000 \u2013 750,000.<\/span><\/li>\n
              • Member Contribution: 30%.<\/span><\/li>\n
              • Repayment: 6\u201324 months.<\/span><\/li>\n
              • Cost: Documentation Service Fee: KES 500 \u2013 20,000. Expected Profit Rate: 12\u201318% flat depending on tenor.<\/span><\/li>\n<\/ul>\n<\/li>\n
              • Motor Vehicle Asset Finance<\/strong><\/span>\n
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                • Purpose: Financing personal motor vehicles.<\/span><\/li>\n
                • Shariah Contract: Murabaha or Diminishing Musharaka.<\/span><\/li>\n
                • Limits: KES 5,000 \u2013 2,000,000.<\/span><\/li>\n
                • Member Contribution: 30%.<\/span><\/li>\n
                • Repayment: 6\u201360 months.<\/span><\/li>\n
                • Cost: Documentation Service Fee: KES 500 \u2013 25,000. Expected Profit Rate: 12\u201318% reducing balance depending on tenor.<\/span><\/li>\n<\/ul>\n<\/li>\n
                • Development Finance<\/strong><\/span>\n
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                  • Purpose: Financing landed property.<\/span><\/li>\n
                  • Shariah Contract: Murabaha or Diminishing Musharaka.<\/span><\/li>\n
                  • Limits: KES 5,000 \u2013 3,000,000.<\/span><\/li>\n
                  • Member Contribution: 30%.<\/span><\/li>\n
                  • Repayment: 6\u201360 months.<\/span><\/li>\n
                  • Cost: Documentation Service Fee: KES 500 \u2013 25,000. Expected Profit Rate: 12\u201318% depending on tenor.<\/span><\/li>\n<\/ul>\n<\/li>\n
                  • Soko<\/strong>Kash<\/strong> (Under Development)<\/strong><\/span>\n
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                    • Purpose: Short-term working capital financing for business stock.<\/span><\/li>\n
                    • Shariah Contract: Pure Investment Musharaka.<\/span><\/li>\n
                    • Limits: KES 30,000 \u2013 100,000.<\/span><\/li>\n
                    • Member Contribution: 10\u201330%.<\/span><\/li>\n
                    • Repayment: One day to one month.<\/span><\/li>\n
                    • Cost: Documentation Service Fee: KES 50 \u2013 2,000. Expected Profit Rate: 1\u20133% flat depending on tenor.<\/span><\/li>\n
                    • Structure: CTS is the sleeping partner (Mushareek); the client is the active partner. Losses are shared strictly in the ratio of contributions per Musharaka rules.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

                      Collateral Framework CTS accepts the following as security for financing facilities: Self-Guarantee with Personal Savings. Member Co-Guarantee. Ayuta Group Guarantee. Direct Salary […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1038","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/crescentsacco.com\/index.php\/wp-json\/wp\/v2\/pages\/1038","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/crescentsacco.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/crescentsacco.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/crescentsacco.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/crescentsacco.com\/index.php\/wp-json\/wp\/v2\/comments?post=1038"}],"version-history":[{"count":13,"href":"https:\/\/crescentsacco.com\/index.php\/wp-json\/wp\/v2\/pages\/1038\/revisions"}],"predecessor-version":[{"id":1085,"href":"https:\/\/crescentsacco.com\/index.php\/wp-json\/wp\/v2\/pages\/1038\/revisions\/1085"}],"wp:attachment":[{"href":"https:\/\/crescentsacco.com\/index.php\/wp-json\/wp\/v2\/media?parent=1038"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}