The Shaba loan — what it is and what it costs
Shaba is the name of the Brisk Credit loan family. There are three products under it, and choosing the right one changes what you pay.
Shaba — individual business
For anyone running their own biashara for six months or more. 30% for the 30-day cycle, 21% if fully repaid within 21 days.
Shaba Kilimo — farmer groups
For women and youth farmer groups in poultry, dairy and horticulture. 10% flat for the cycle — the lowest rate Brisk offers.
Shaba Rider — riders
For boda boda riders: fuel, spares, insurance, or buying your own bike. 30% for the cycle, 21% by day 21. No logbook held.
Which one applies to you
If you work alone in a business, take Shaba. If you farm as part of a group, take Shaba Kilimo — the rate is a third of the alternative. If you ride, take Shaba Rider.
Loan terms at a glance
| Product | Who it is for | Rate (30-day cycle) |
|---|---|---|
| Shaba | Individual business owners | 30% · 21% if repaid by day 21 |
| Shaba Kilimo | Women & youth farmer groups | 10% flat |
| Shaba Rider | Boda boda riders | 30% · 21% if repaid by day 21 |
All products: KSh 5,000–100,000 · unsecured · one-off KSh 500 registration fee, never deducted from the loan · disbursed to M-Pesa · repaid via Paybill 4106969.
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