Employer FAQs

Everything You Need to Know About Supporting Your Staff with Financial Wellness

General Overview

Kulman Group is a financial wellness partner offering salary-based earned wage access solutions to employees of partnered organizations. We provide quick, affordable, and secure access to funds through a fully digital process, with zero cost and zero risk to employers.

Q. How does it work?

Employees access financial products via USSD on their phones. Repayments are deducted directly from payroll based on monthly deduction schedules provided to your HR team.

Risk & Liability

Q. Who bears the financial risk of the loan or advance?

Kulman Group takes on 100% of the risk. The employer is not responsible if an employee defaults or exits employment.

Q. Are we liable if an employee resigns or is terminated before full repayment?

No. Outstanding balances are recovered from terminal dues where possible. If there is a remaining balance, Kulman Group follows up with the employee directly — not the employer.

Administration & Process

Q. Do we have to disburse the money to employees?

No. Kulman handles disbursements directly via mobile money (MPESA) to the employee. You don’t have to manage any cash flow.

Q. What do we need to do on our end each month?

At the end of every month, Kulman Group sends your HR/payroll team:
– A deduction schedule (list of all staff with approved repayments)
– An invoice for total deductions
Your role is to process payroll deductions and remit the funds to Kulman Group.

Q. Does this increase our HR workload?

Not at all. Our system is designed to keep things simple and efficient, with minimal employer involvement. Most partners say it’s even easier than managing SACCO deductions.

Visibility & Control

Q. Can we see which employees are using the facility?

Can we see which employees are using the facility?
Yes. Your HR or management team gets view-only access to a digital dashboard. It shows:
– Employees using Kulman products
– Monthly deduction amounts
– Repayment status
No private information (e.g., what the product is used for) is shared — only necessary deduction details.

Q. Can we customize the product structure for our staff?

Yes. We’re flexible and can tailor:
– limits
– Repayment periods
– Product types
…to match your internal HR or welfare policies.

Employee Eligibility & Limits

Q. Do employees need our approval to take a product?

No. Once an employee is in the system and has consented, they can access Kulman Group facilities independently — within their pre-approved salary-based limit.

Q. How are loan limits determined?

Kulman Group uses the employee’s:
– Net pay
– Existing payroll deductions
– Employer rules (e.g., respecting the one-third rule)
to set limits that ensure safe and responsible borrowing.

Q. Can an employee overborrow or fall into a debt trap?

No. Our system automatically blocks applications that would exceed responsible borrowing thresholds. This protects both the employee and employer.

Products Offered

Q. Kulman Group provides a range of salary-linked financial support options, including:

– Jipange School Fees – A 4-month facility designed to help with school fee payments.
– Jipange Emergency Advance – A short-term 1-month option for unexpected expenses.
– Jipange Maisha – A flexible medium-term option for general needs, with customizable repayment periods.
Each product is easy to access and clearly structured — with standard interest rates and a one-time disbursal fee.

Still Have Questions?

Our Relationship Managers are always available to support your HR and Finance teams. We also provide detailed onboarding materials, a user manual, and ongoing check-ins to make sure everything runs smoothly.

General Overview

Risk & Liability

Administration & Process

Visibility & Control

Employee Eligibility & Limits

Products Offered

Still Have Questions?

Get to know Us

Quick Links

Contact Us

Follow Us

Signup Newsletter