Get To Know About Our Services
Services
ORDINARY SAVINGS
How to apply for membershipWe are delighted to inform you that membership to Ditsheng Saccos is exclusively open to Government and Parastatal employees.
- Membership Requirement: To initiate ordinary savings with us, individuals must become members.
- Application Process: Membership entails filling out a membership application form and a KYC form.
- Required Documents: Members are required to attach a certified copy of their ID (Omang) and a confirmation of employment.
- Minimum Savings Amount: The minimum amount a member is allowed to save is P100.00.
MOLETO SAVINGS ACCOUNT
- Monthly Savings: P200.00
- Withdrawal Period: Members are allowed to make deductions from their Moleto Savings Account after 12 months.
LEFIKA SAVINGS ACCOUNT
(Fixed deposit account)- Minimum Savings: P150.00 monthly.
- Withdrawal Restrictions: No withdrawals for fixed deposit before the maturity period.
- Interest Rate: Active deposits are eligible for 7.5% interest annually.
- Duration: 36 months fixed deposit account
- Flexible Additions: Additional savings can be provided at any given time of the month.
- Interest Disbursement: Interest earned can be paid to the member in cash or re-invested to savings products if a member chooses to at the end of the term.
- Note: These savings cannot be used for loan guarantee to self or others.
BOJANALA SAVINGS ACCOUNT
- Savings Deadline: Savings should be made regularly, usually monthly, not later than the 31st of each month.
- Minimum Monthly Saving: P200.00, subject to periodical review.
- Flexible Additions: Additional savings can be provided at any other given time of the month.
- Withdrawal Options: The member can opt to withdraw whole or part of the savings – a maximum of two (2) times during any calendar year.
- Minimum Saving Duration: Four (4) calendar months.
- Loan Guarantee Restriction: These savings cannot be used for loan guarantee to self or others.
- Security for SACCOS: Ditsheng SACCOS shall have charge over such savings in the event of loan defaults by a member.
- Interest Earnings: These savings earn interest at 5% per annum or a rate to be determined from time to time.
- Interest Eligibility: These savings are not eligible for any annual interest that shall be declared by the SACCOS as surplus at the end of each financial year.
RETIREMENT SAVINGS
- With Ditsheng SACCOS’s retirement savings account, you can build a strong financial foundation for your golden years. enjoy peace of mind with a secure, long term Fixed Deposit designed exclusively for retirement planning.
- save as little as P100.00
- earn 8% interest annually
Not considered as collateral for loans
FUNERAL POLICY
We are pleased to introduce our funeral cover services exclusively for members of Ditsheng Saccos. To apply for funeral cover, you must first become a member of Ditsheng Saccos.
CELLPHONE VOUCHERS
Here are the key details:
Eligibility: To apply for a cell phone and airtime voucher, you must be a member of Ditsheng Saccos.
Application Process: Once eligible, simply fill out the application form and attach a certified copy of your national identity card, recent pay slip and confirmation of employment.
Contract Duration: The contract for the cell phone and airtime voucher is for 2 years and member can also clear the voucher in less than 2 years.
Limitations: Members are only allowed to apply for a maximum of 2 vouchers.
- A member should ensure that he/she is KYC compliant
