Our Network Hierarchy
Scalable Support Across Kenyan Wards
Head Offices
Established directly by the company to provide strategic regional oversight.
Ward Centers
Local hubs like Misikhu representing every ward to ensure farmers have nearby support.
Farmer Groups
Small units of 10-30 members within the same ward managed under a single center.
Expansion
We monitor group sizes in every center to plan for future expansion and member support.
IIG Smart Farmers Micro Banking
Dial *789*7777# to Manage Your Farm
USSD Step-by-Step Guide
First Page Selection Always ensure you select IIG SMART FARMERS SACCO. Avoid any other names that may appear on the list.
Registration New leads can register directly through Option 1 to join our system and start their farming journey.
Secure Login Existing members log in with a unique 6-digit security code sent to their approved phone number.
Loan Repayment Pay back loans instantly by choosing the repayment option and keying in your loan account number correctly.
Mobile Banking Terminal
Access your accounts anywhere, anytime, on any phone—no internet required.
Tailored Financial Accounts.
We provide the perfect balance of personal financial freedom and collective group security.
Asset Growth (AFS)
Save specifically for life-changing assets like milk cows, fridges, chairs, or cupboards.
Production (FIS)
Secure your next harvest by saving towards fertilizers, maize seeds, and poultry tools.
Personal Savings (PSA)
"Works like M-Pesa. Transact across multiple platforms—Airtel, Banks, and more—with no minimum balance."
Welfare (GSF)
A group-regulated Social Fund designed to support members during emergencies and life events.
Group Funds
Includes MSA (Savings), GFF (Fines), and GMF (Trainer Fund) for total transparency.
Security Evolution
Why Digital Banking Wins for Farmers
| Comparison Feature | Traditional Box Method | IIG SMART FARMERS: Micro Banking |
|---|---|---|
| Theft & Fraud | High risk of physical theft and manual fraud. | Secure digital encryption protection. |
| Credit Scoring | No historical record for credit scoring or loans. | Automatic record backup for quick loan approvals. |
| Utility | Limited strictly to physical cash on hand. | Easy access to fertilizers, tools, and seeds. |
Emergency: Lost Phone
1. Identity Protection
If you lose your number, you will be locked out of the system until customer care updates your details.
Recovery
Visit a branch with your Original ID.
Verification
Provide your Group Name and CGT's Name.
Community Group Trainers (CGT)
Our CGTs are the grand leaders linking groups to the company network. They handle all reporting, complaints, and escalations to ensure group success.
Group Reporting
Mwalimu Fund
Membership Fees
Continuing Groups
KSH 100New Groups
KSH 200Renewing Groups
KSH 150*Fees facilitate the Community Trainer (CGT) and essential company operations.
