{"id":243,"date":"2024-01-28T09:27:37","date_gmt":"2024-01-28T09:27:37","guid":{"rendered":"https:\/\/harakasacco.co.ke\/?page_id=243"},"modified":"2026-06-10T07:56:15","modified_gmt":"2026-06-10T07:56:15","slug":"bosa-loans","status":"publish","type":"page","link":"https:\/\/harakasacco.co.ke\/?page_id=243","title":{"rendered":"Bosa Loans"},"content":{"rendered":"\n<div class=\"wp-block-cover alignfull is-light\" style=\"margin-top:0px;margin-bottom:0px;min-height:800px;aspect-ratio:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"1942\" height=\"809\" class=\"wp-block-cover__image-background wp-image-906 size-full\" alt=\"\" src=\"https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/ChatGPT-Image-May-8-2026-02_56_41-PM.png\" data-object-fit=\"cover\" srcset=\"https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/ChatGPT-Image-May-8-2026-02_56_41-PM.png 1942w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/ChatGPT-Image-May-8-2026-02_56_41-PM-300x125.png 300w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/ChatGPT-Image-May-8-2026-02_56_41-PM-1024x427.png 1024w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/ChatGPT-Image-May-8-2026-02_56_41-PM-768x320.png 768w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/ChatGPT-Image-May-8-2026-02_56_41-PM-1536x640.png 1536w\" sizes=\"auto, (max-width: 1942px) 100vw, 1942px\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-0 has-background-dim\" style=\"background-color:#342f29\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<p class=\"has-text-align-center has-large-font-size wp-block-paragraph\"><\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-d27e1570 wp-block-group-is-layout-constrained\" style=\"color:#646257;background-color:#fffef7;margin-top:0;margin-bottom:0;padding-top:80px;padding-bottom:100px\">\n<h2 class=\"wp-block-heading has-text-align-center has-text-color\" style=\"color:#646257;font-size:clamp(29.768px, 1.861rem + ((1vw - 3.2px) * 2.526), 52px);font-style:normal;font-weight:400;text-transform:capitalize\">Loan Solutions<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-c57b9e15 wp-block-columns-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:50px\">\n<div class=\"wp-block-column is-layout-flow wp-container-core-column-is-layout-1f0cc803 wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1254\" height=\"1254\" src=\"https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Development-Loans-Ad.png\" alt=\"\" class=\"wp-image-864\" style=\"aspect-ratio:3\/2;object-fit:contain;width:auto;height:400px\" srcset=\"https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Development-Loans-Ad.png 1254w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Development-Loans-Ad-300x300.png 300w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Development-Loans-Ad-1024x1024.png 1024w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Development-Loans-Ad-150x150.png 150w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Development-Loans-Ad-768x768.png 768w\" sizes=\"auto, (max-width: 1254px) 100vw, 1254px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-color wp-block-paragraph\" id=\"GQFtinjTMyEXTWTi\" style=\"color:#646257;font-size:14px\">Empower Your Financial Dreams Now<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h5 class=\"wp-block-heading has-text-color\" style=\"color:#646257;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.455), 18px);font-style:normal;font-weight:700\">DEVELOPMENT Loans<\/h5>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Details<\/summary>\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Maximum loan Amount<\/td><td>3m<\/td><\/tr><tr><td>Maximum Tenure<\/td><td>36 months<\/td><\/tr><tr><td>Interest Rate<\/td><td>12% p.a.<\/td><\/tr><tr><td>Multiplier <\/td><td>X3 of savings<\/td><\/tr><tr><td>Disbursement time<\/td><td>5-14 working days<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/details>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-container-core-column-is-layout-1f0cc803 wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1254\" height=\"1254\" src=\"https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Emergency-Loans.png\" alt=\"\" class=\"wp-image-863\" style=\"aspect-ratio:3\/2;object-fit:contain;width:auto;height:400px\" srcset=\"https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Emergency-Loans.png 1254w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Emergency-Loans-300x300.png 300w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Emergency-Loans-1024x1024.png 1024w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Emergency-Loans-150x150.png 150w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Emergency-Loans-768x768.png 768w\" sizes=\"auto, (max-width: 1254px) 100vw, 1254px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-color wp-block-paragraph\" id=\"GQFtinjTMyEXTWTi\" style=\"color:#646257;font-size:14px\">Don&#8217;t Get Stuck<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h5 class=\"wp-block-heading has-text-color\" style=\"color:#646257;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.455), 18px);font-style:normal;font-weight:700\">EMERGENCY Loans<\/h5>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Details<\/summary>\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Maximum loan Amount<\/td><td>100,000\/=<\/td><\/tr><tr><td>Maximum Tenure<\/td><td>12 months<\/td><\/tr><tr><td>Interest Rate<\/td><td>12% p.a.<\/td><\/tr><tr><td>Multiplier <\/td><td>X3 of savings<\/td><\/tr><tr><td>Disbursement time<\/td><td>48 hours<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/details>\n\n\n\n<div style=\"height:5px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-container-core-column-is-layout-1f0cc803 wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1254\" height=\"1254\" src=\"https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/School-Fees-Loans.png\" alt=\"\" class=\"wp-image-862\" style=\"aspect-ratio:3\/2;object-fit:contain;width:auto;height:400px\" srcset=\"https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/School-Fees-Loans.png 1254w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/School-Fees-Loans-300x300.png 300w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/School-Fees-Loans-1024x1024.png 1024w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/School-Fees-Loans-150x150.png 150w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/School-Fees-Loans-768x768.png 768w\" sizes=\"auto, (max-width: 1254px) 100vw, 1254px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-color wp-block-paragraph\" id=\"GQFtinjTMyEXTWTi\" style=\"color:#646257;font-size:14px\">Let Nothing Stop Your Education Ambitions<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h5 class=\"wp-block-heading has-text-color\" style=\"color:#646257;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.455), 18px);font-style:normal;font-weight:700\">SCHOOL FEES LOANS<\/h5>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Details<\/summary>\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Maximum loan Amount<\/td><td>100,000\/-<\/td><\/tr><tr><td>Maximum Tenure<\/td><td>12 months<\/td><\/tr><tr><td>Interest Rate<\/td><td>12% p.a.<\/td><\/tr><tr><td>Multiplier <\/td><td>X3 of savings<\/td><\/tr><tr><td>Disbursement time<\/td><td>5-14 working days<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/details>\n\n\n\n<div style=\"height:5px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-0d6c7cf2 wp-block-columns-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:80px\">\n<div class=\"wp-block-column is-layout-flow wp-container-core-column-is-layout-1f0cc803 wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1254\" height=\"1254\" src=\"https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Salary-Advance-Loans.png\" alt=\"\" class=\"wp-image-861\" style=\"aspect-ratio:3\/2;object-fit:contain;width:auto;height:400px\" srcset=\"https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Salary-Advance-Loans.png 1254w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Salary-Advance-Loans-300x300.png 300w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Salary-Advance-Loans-1024x1024.png 1024w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Salary-Advance-Loans-150x150.png 150w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Salary-Advance-Loans-768x768.png 768w\" sizes=\"auto, (max-width: 1254px) 100vw, 1254px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-color wp-block-paragraph\" id=\"GQFtinjTMyEXTWTi\" style=\"color:#646257;font-size:14px\">Everyone Needs A Break From Time To Time<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h5 class=\"wp-block-heading has-text-color\" style=\"color:#646257;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.455), 18px);font-style:normal;font-weight:700\">SAlARY ADVANCE Loans<\/h5>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Details<\/summary>\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Maximum loan Amount<\/td><td>50% of Salary<\/td><\/tr><tr><td>Maximum Tenure<\/td><td>1 month<\/td><\/tr><tr><td>Interest Rate<\/td><td>10% p.m<\/td><\/tr><tr><td>Multiplier <\/td><td>0<\/td><\/tr><tr><td>Disbursement time<\/td><td>48 hrs<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/details>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-container-core-column-is-layout-1f0cc803 wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1254\" height=\"1254\" src=\"https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Top-Up-Loans.png\" alt=\"\" class=\"wp-image-860\" style=\"aspect-ratio:3\/2;object-fit:contain;width:auto;height:400px\" srcset=\"https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Top-Up-Loans.png 1254w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Top-Up-Loans-300x300.png 300w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Top-Up-Loans-1024x1024.png 1024w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Top-Up-Loans-150x150.png 150w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Top-Up-Loans-768x768.png 768w\" sizes=\"auto, (max-width: 1254px) 100vw, 1254px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-color wp-block-paragraph\" id=\"GQFtinjTMyEXTWTi\" style=\"color:#646257;font-size:14px\">Let Unforeseen Expenses Stall Your Dreams<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h5 class=\"wp-block-heading has-text-color\" style=\"color:#646257;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.455), 18px);font-style:normal;font-weight:700\">TOP UP LOANS<\/h5>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Details<\/summary>\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Maximum loan Amount<\/td><td>Subject to existing loan<\/td><\/tr><tr><td>Maximum Tenure<\/td><td>equal to remaining period of original loan<\/td><\/tr><tr><td>Interest Rate<\/td><td>12% p.a<\/td><\/tr><tr><td>Multiplier <\/td><td>X3<\/td><\/tr><tr><td>Commission<\/td><td>6% charge on restructuring<\/td><\/tr><tr><td>Disbursement time<\/td><td>48 hrs<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/details>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-container-core-column-is-layout-1f0cc803 wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1254\" height=\"1254\" src=\"https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Asset-Finacing-Loans.png\" alt=\"\" class=\"wp-image-859\" style=\"aspect-ratio:3\/2;object-fit:contain;width:auto;height:400px\" srcset=\"https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Asset-Finacing-Loans.png 1254w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Asset-Finacing-Loans-300x300.png 300w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Asset-Finacing-Loans-1024x1024.png 1024w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Asset-Finacing-Loans-150x150.png 150w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Asset-Finacing-Loans-768x768.png 768w\" sizes=\"auto, (max-width: 1254px) 100vw, 1254px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-color wp-block-paragraph\" id=\"GQFtinjTMyEXTWTi\" style=\"color:#646257;font-size:14px\">Build your empire!<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h5 id=\"asset-finance\" class=\"wp-block-heading has-text-color\" style=\"color:#646257;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.455), 18px);font-style:normal;font-weight:700\">ASSET FINANCING<\/h5>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Details<\/summary>\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Maximum loan Amount<\/td><td>75% of Asset Value upto 3m<\/td><\/tr><tr><td>Maximum Tenure<\/td><td>36 months<\/td><\/tr><tr><td>Interest Rate<\/td><td>12% p.a<\/td><\/tr><tr><td>Multiplier <\/td><td>X3<\/td><\/tr><tr><td>Disbursement time<\/td><td>5 &#8211; 14 working days<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/details>\n\n\n\n<div style=\"height:5px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-0d6c7cf2 wp-block-columns-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:80px\">\n<div class=\"wp-block-column is-layout-flow wp-container-core-column-is-layout-1f0cc803 wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1254\" height=\"1254\" src=\"https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Harakisha-loans.png\" alt=\"\" class=\"wp-image-855\" style=\"aspect-ratio:3\/2;object-fit:contain;width:auto;height:400px\" srcset=\"https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Harakisha-loans.png 1254w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Harakisha-loans-300x300.png 300w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Harakisha-loans-1024x1024.png 1024w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Harakisha-loans-150x150.png 150w, https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/05\/Harakisha-loans-768x768.png 768w\" sizes=\"auto, (max-width: 1254px) 100vw, 1254px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-color wp-block-paragraph\" id=\"GQFtinjTMyEXTWTi\" style=\"color:#646257;font-size:14px\">Hassle Free Personal Loan<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h5 class=\"wp-block-heading has-text-color\" style=\"color:#646257;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.455), 18px);font-style:normal;font-weight:700\">Harakisha instant mobile loan<\/h5>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Details<\/summary>\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Maximum loan Amount<\/td><td>5,000\/-<\/td><\/tr><tr><td>Maximum Tenure<\/td><td>1 month<\/td><\/tr><tr><td>Interest Rate<\/td><td>12.5% p.m<\/td><\/tr><tr><td>Multiplier <\/td><td>0<\/td><\/tr><tr><td>Disbursement time<\/td><td>48 hrs<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/details>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-container-core-column-is-layout-1f0cc803 wp-block-column-is-layout-flow\">\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-color wp-block-paragraph\" id=\"GQFtinjTMyEXTWTi\" style=\"color:#646257;font-size:14px\"><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-container-core-column-is-layout-1f0cc803 wp-block-column-is-layout-flow\">\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-color wp-block-paragraph\" id=\"GQFtinjTMyEXTWTi\" style=\"color:#646257;font-size:14px\"><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<div id=\"loan-calculator\"><\/div>\n\n    <div class=\"mlc-container\" id=\"mlc-app\">\r\n        <h3>Haraka Multiple Loan Calculator (For Estimates Only)<\/h3>\r\n        <p>Choose loan type (interest auto-fills), enter amount and months. Processing fee (200) & insurance (0.5%) are shown separately and are <strong>not<\/strong> included in amortization.<\/p>\r\n\r\n        <div id=\"mlc-rows\" aria-live=\"polite\"><\/div>\r\n\r\n        <div style=\"margin-top:12px; display:flex; gap:8px; align-items:center;\">\r\n            <button type=\"button\" class=\"mlc-btn\" id=\"mlc-add-loan\">+ Add Loan<\/button>\r\n            <button type=\"button\" class=\"mlc-btn\" id=\"mlc-calc\">Calculate<\/button>\r\n            <button type=\"button\" class=\"mlc-btn negative\" id=\"mlc-reset\">Reset<\/button>\r\n        <\/div>\r\n\r\n        <div id=\"mlc-results\" class=\"mlc-results\" style=\"display:none;\">\r\n            <h4>Results<\/h4>\r\n            <div id=\"mlc-summary\"><\/div>\r\n            <div id=\"mlc-breakdowns\"><\/div>\r\n            <div id=\"mlc-amort\" style=\"margin-top:12px;\"><\/div>\r\n        <\/div>\r\n    <\/div>\r\n\r\n    <script>\r\n    (function(){\r\n        'use strict';\r\n\r\n        var LOAN_TYPES = {\r\n            \"Development Loans\": { maxMonths: null, rate: 12 },\r\n            \"Emergency Loans\": { maxMonths: 12, rate: 15 },\r\n            \"School Fees Loans\": { maxMonths: 12, rate: 13.5 },\r\n            \"Salary Advance Loans\": { maxMonths: 1, rate: 120 },\r\n            \"Top Up Loans\": { maxMonths: null, rate: 12 },\r\n            \"Asset Financing Loans\": { maxMonths: null, rate: 12 },\r\n            \"Harakisha Mobile Loans\": { maxMonths: 3, rate: 120 }\r\n        };\r\n\r\n        var PROCESSING_FEE = 200;\r\n        var INSURANCE_RATE = 0.005; \/\/ 0.5%\r\n\r\n        function q(sel, root){ return (root || document).querySelector(sel); }\r\n        function qq(sel, root){ return Array.prototype.slice.call((root || document).querySelectorAll(sel)); }\r\n        function formatCurrency(v){ return Number(v).toLocaleString(undefined,{minimumFractionDigits:2,maximumFractionDigits:2}); }\r\n\r\n        \/\/ amortization monthly payment formula (principal only)\r\n        function monthlyPayment(P, annualRate, months){\r\n            var r = (annualRate\/100)\/12;\r\n            var n = months;\r\n            if(n === 0) return 0;\r\n            if(r === 0) return P \/ n;\r\n            var pow = Math.pow(1 + r, n);\r\n            return (P * r * pow) \/ (pow - 1);\r\n        }\r\n\r\n        function createRow(){\r\n            var row = document.createElement('div');\r\n            row.className = 'mlc-row';\r\n\r\n            \/\/ build options HTML\r\n            var opts = Object.keys(LOAN_TYPES).map(function(t){\r\n                return '<option value=\"' + t + '\">' + t + '<\/option>';\r\n            }).join('');\r\n\r\n            row.innerHTML = '\\\r\n                <select class=\"medium loantype\">' + opts + '<\/select>\\\r\n                <input class=\"mlc-input amount\" placeholder=\"Amount\" type=\"number\" min=\"0\" step=\"0.01\">\\\r\n                <input class=\"mlc-input small rate\" placeholder=\"Annual %\" type=\"number\" min=\"0\" step=\"0.01\">\\\r\n                <input class=\"mlc-input small months\" placeholder=\"Months\" type=\"number\" min=\"1\" step=\"1\">\\\r\n                <button type=\"button\" class=\"mlc-btn mlc-remove\">Remove<\/button>';\r\n\r\n            var sel = q('.loantype', row);\r\n            var rateInput = q('.rate', row);\r\n            var monthsInput = q('.months', row);\r\n\r\n            \/\/ on type change: auto-fill rate & enforce max months (defensive)\r\n            sel.addEventListener('change', function(){\r\n                try {\r\n                    var t = this.value;\r\n                    if(LOAN_TYPES[t] && typeof LOAN_TYPES[t].rate !== 'undefined'){\r\n                        rateInput.value = LOAN_TYPES[t].rate;\r\n                    }\r\n                    var max = LOAN_TYPES[t] ? LOAN_TYPES[t].maxMonths : null;\r\n                    if(max){\r\n                        monthsInput.max = max;\r\n                        monthsInput.placeholder = 'Months (max ' + max + ')';\r\n                        if(Number(monthsInput.value) > max) monthsInput.value = max;\r\n                    } else {\r\n                        monthsInput.removeAttribute('max');\r\n                        monthsInput.placeholder = 'Months';\r\n                    }\r\n                } catch(e) {\r\n                    console.warn('Type change handler error', e);\r\n                }\r\n            });\r\n\r\n            \/\/ set initial rate for the default selection\r\n            sel.value = Object.keys(LOAN_TYPES)[0];\r\n            sel.dispatchEvent(new Event('change'));\r\n\r\n            q('.mlc-remove', row).addEventListener('click', function(){ row.remove(); });\r\n\r\n            return row;\r\n        }\r\n\r\n        var rowsContainer = q('#mlc-rows');\r\n        var addBtn = q('#mlc-add-loan');\r\n        var calcBtn = q('#mlc-calc');\r\n        var resetBtn = q('#mlc-reset');\r\n        var resultsDiv = q('#mlc-results');\r\n        var summaryDiv = q('#mlc-summary');\r\n        var breakdownsDiv = q('#mlc-breakdowns');\r\n        var amortDiv = q('#mlc-amort');\r\n\r\n        \/\/ add first row\r\n        rowsContainer.appendChild(createRow());\r\n\r\n        addBtn.addEventListener('click', function(){ rowsContainer.appendChild(createRow()); });\r\n\r\n        resetBtn.addEventListener('click', function(){\r\n            rowsContainer.innerHTML = '';\r\n            rowsContainer.appendChild(createRow());\r\n            resultsDiv.style.display = 'none';\r\n            summaryDiv.innerHTML = '';\r\n            breakdownsDiv.innerHTML = '';\r\n            amortDiv.innerHTML = '';\r\n        });\r\n\r\n        calcBtn.addEventListener('click', function(){\r\n            var rows = qq('.mlc-row', rowsContainer);\r\n            var totalMonthly = 0, totalPrincipal = 0, totalFees = 0, totalInterest = 0;\r\n            var results = [];\r\n\r\n            rows.forEach(function(r, idx){\r\n                var type = q('.loantype', r).value;\r\n                var amt = parseFloat(q('.amount', r).value) || 0;\r\n                var rate = parseFloat(q('.rate', r).value);\r\n                if(isNaN(rate)) rate = (LOAN_TYPES[type] && LOAN_TYPES[type].rate) ? LOAN_TYPES[type].rate : 0;\r\n                var months = parseInt(q('.months', r).value) || 0;\r\n\r\n                if(amt <= 0 || months <= 0) return; \/\/ skip invalid rows\r\n\r\n                \/\/ fees (excluded types get no processing\/insurance)\r\n                var excluded = (type === 'Salary Advance Loans' || type === 'Harakisha Mobile Loans');\r\n                var processing = excluded ? 0 : PROCESSING_FEE;\r\n                var insurance = excluded ? 0 : (amt * INSURANCE_RATE);\r\n\r\n                \/\/ amortization computed on principal only (amt)\r\n                var monthly = monthlyPayment(amt, rate, months);\r\n                var totalPaidAmort = monthly * months;\r\n                var interest = totalPaidAmort - amt;\r\n\r\n                totalMonthly += monthly;\r\n                totalPrincipal += amt;\r\n                totalFees += (processing + insurance);\r\n                totalInterest += interest;\r\n\r\n                results.push({\r\n                    index: results.length + 1,\r\n                    type: type,\r\n                    amount: amt,\r\n                    rate: rate,\r\n                    months: months,\r\n                    monthly: monthly,\r\n                    interest: interest,\r\n                    processing: processing,\r\n                    insurance: insurance\r\n                });\r\n            });\r\n\r\n            if(results.length === 0){\r\n                alert('Please enter at least one valid loan (amount and months).');\r\n                return;\r\n            }\r\n\r\n            \/\/ display summary\r\n            resultsDiv.style.display = 'block';\r\n            summaryDiv.innerHTML = '\\\r\n                <table class=\"mlc-table\">\\\r\n                    <tr><th>Total Principal<\/th><td>' + formatCurrency(totalPrincipal) + '<\/td><\/tr>\\\r\n                    <tr><th>Total Installments (All Loans Combined)<\/th><td>' + formatCurrency(totalMonthly) + '<\/td><\/tr>\\\r\n                    <tr><th>Total Interest (All Loans)<\/th><td>' + formatCurrency(totalInterest) + '<\/td><\/tr>\\\r\n                    <tr><th>Total Fees (Processing + Insurance)<\/th><td>' + formatCurrency(totalFees) + '<\/td><\/tr>\\\r\n                <\/table>';\r\n\r\n            \/\/ breakdown table\r\n            var html = '<h4>Loan Breakdown<\/h4><table class=\"mlc-table\"><thead><tr><th>#<\/th><th>Type<\/th><th>Amount<\/th><th>Rate%<\/th><th>Months<\/th><th>Monthly<\/th><th>Interest<\/th><th>Processing<\/th><th>Insurance<\/th><\/tr><\/thead><tbody>';\r\n            results.forEach(function(r){\r\n                html += '<tr><td>' + r.index + '<\/td><td style=\"text-align:left\">' + r.type + '<\/td><td>' + formatCurrency(r.amount) + '<\/td><td>' + Number(r.rate).toFixed(2) + '<\/td><td>' + r.months + '<\/td><td>' + formatCurrency(r.monthly) + '<\/td><td>' + formatCurrency(r.interest) + '<\/td><td>' + formatCurrency(r.processing) + '<\/td><td>' + formatCurrency(r.insurance) + '<\/td><\/tr>';\r\n            });\r\n            html += '<\/tbody><\/table>';\r\n\r\n            \/\/ amortization buttons\r\n            html += '<div style=\"margin-top:8px;\">';\r\n            results.forEach(function(r){\r\n                html += '<button class=\"mlc-btn mlc-amort-btn\" data-amount=\"' + r.amount + '\" data-rate=\"' + r.rate + '\" data-months=\"' + r.months + '\" data-processing=\"' + r.processing + '\" data-insurance=\"' + r.insurance + '\">Show Amortization (#' + r.index + ' - ' + r.type + ')<\/button> ';\r\n            });\r\n            html += '<\/div>';\r\n\r\n            breakdownsDiv.innerHTML = html;\r\n            amortDiv.innerHTML = '';\r\n\r\n            \/\/ attach amortization handlers\r\n            qq('.mlc-amort-btn', breakdownsDiv).forEach(function(btn){\r\n                btn.addEventListener('click', function(){\r\n                    var amount = parseFloat(btn.getAttribute('data-amount')) || 0;\r\n                    var rate = parseFloat(btn.getAttribute('data-rate')) || 0;\r\n                    var months = parseInt(btn.getAttribute('data-months')) || 0;\r\n                    var processing = parseFloat(btn.getAttribute('data-processing')) || 0;\r\n                    var insurance = parseFloat(btn.getAttribute('data-insurance')) || 0;\r\n\r\n                    \/\/ render amortization table (principal only)\r\n                    var monthly = monthlyPayment(amount, rate, months);\r\n                    var balance = amount;\r\n                    var rowsHtml = '';\r\n                    var totalInt = 0;\r\n                    for(var i = 1; i <= months; i++){\r\n                        var intPart = balance * ((rate\/100)\/12);\r\n                        var principalPart = monthly - intPart;\r\n                        if(principalPart > balance) principalPart = balance;\r\n                        balance -= principalPart;\r\n                        if(balance < 0.0001) balance = 0;\r\n                        totalInt += intPart;\r\n                        rowsHtml += '<tr><td>' + i + '<\/td><td>' + formatCurrency(monthly) + '<\/td><td>' + formatCurrency(principalPart) + '<\/td><td>' + formatCurrency(intPart) + '<\/td><td>' + formatCurrency(balance) + '<\/td><\/tr>';\r\n                    }\r\n\r\n                    amortDiv.innerHTML = '<h4>Amortization Table<\/h4>' +\r\n                        (processing || insurance ? '<p><strong>One-time charges:<\/strong> Processing ' + formatCurrency(processing) + ' | Insurance ' + formatCurrency(insurance) + '<\/p>' : '<p><em>No one-time charges.<\/em><\/p>') +\r\n                        '<table class=\"mlc-table\"><thead><tr><th>Month<\/th><th>Payment<\/th><th>Principal<\/th><th>Interest<\/th><th>Balance<\/th><\/tr><\/thead><tbody>' + rowsHtml + '<\/tbody><\/table>' +\r\n                        '<p><strong>Total Interest:<\/strong> ' + formatCurrency(totalInt) + '<\/p>' +\r\n                        '<p><strong>Total cost (principal + interest + one-time charges):<\/strong> ' + formatCurrency(amount + totalInt + processing + insurance) + '<\/p>';\r\n                    amortDiv.scrollIntoView({behavior:'smooth'});\r\n                });\r\n            });\r\n        });\r\n\r\n    })();\r\n    <\/script>\r\n    \n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-text-align-center has-large-font-size wp-block-paragraph\">FORMS<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-20959078 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/06\/Membership-Form-2025.pdf\">Membership Registration Form<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/06\/Benevolent-Fund-Reg.-Form-2025.pdf\">Faraja Benevolent registration Form<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/06\/HARAKA-SACCO-LOAN-FORM-LF-2026.pdf\">Normal Loan Form<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/harakasacco.co.ke\/wp-content\/uploads\/2026\/06\/HARAKA-SACCO-SALARY-ADVANCE-LOAN-FORM-2026.pdf\">Salary Advance Loan Form<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Loan Solutions Empower Your Financial Dreams Now DEVELOPMENT Loans Don&#8217;t Get Stuck EMERGENCY Loans Let Nothing Stop Your Education Ambitions SCHOOL FEES LOANS Everyone Needs A Break From Time To Time SAlARY ADVANCE Loans Let Unforeseen Expenses Stall Your Dreams TOP UP LOANS Build your empire! ASSET FINANCING Hassle Free Personal Loan Harakisha instant mobile [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":14,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-243","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/harakasacco.co.ke\/index.php?rest_route=\/wp\/v2\/pages\/243","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/harakasacco.co.ke\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/harakasacco.co.ke\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/harakasacco.co.ke\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/harakasacco.co.ke\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=243"}],"version-history":[{"count":84,"href":"https:\/\/harakasacco.co.ke\/index.php?rest_route=\/wp\/v2\/pages\/243\/revisions"}],"predecessor-version":[{"id":954,"href":"https:\/\/harakasacco.co.ke\/index.php?rest_route=\/wp\/v2\/pages\/243\/revisions\/954"}],"up":[{"embeddable":true,"href":"https:\/\/harakasacco.co.ke\/index.php?rest_route=\/wp\/v2\/pages\/14"}],"wp:attachment":[{"href":"https:\/\/harakasacco.co.ke\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=243"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}