This is a saving program that aims at cultivating a saving culture among Kenyans through the easy to use Nyota Njema. The aim is to reach the achievable amounts of, KSHs.34,450, KSHs.68,900 or KSHs. 137,800 by spreading it throughout the year. This makes it easier for you as the saving amount increases gradually.

Starting week 1, deposit your savings on M-PESA starting with Ksh25, then Ksh50 the next week, Ksh75 the week after that and so on and so forth, until the 52nd week where you will save Ksh1,300, and your savings will add up to Ksh34,450. You can also start with Ksh50, then Ksh100 the next week, Ksh150 the week after to add up your savings to Ksh68,900.

Click here for the available tiers.

SMEP ensures the saved amount is safe and easy to deposit. The weekly savings also lead to your loan limit increasing and all deposits on this account, the Nyota Njema Account, will earn interest of 7% p.a.

This will trigger an account opening process and once the account is created, you will receive a text from SMEP with the account number. This is the account number you will be using when depositing your savings.


52Week Saving Challenge Terms & Conditions



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7TH Annual General Meeting

Jun 29, 2018
All Saints Cathedral