Kulman Group’s Jipange products are designed to help employees take control of their finances, whether managing an emergency, covering school fees, or planning for the future. With accessible, flexible solutions, Jipange ensures that employees can navigate life’s financial needs with confidence and ease.
At Kulman Group, financial support should empower—not burden—employees. Our lending model ensures that no more than 40% of an employee’s net salary is allocated to borrowing, safeguarding their ability to meet everyday expenses. By integrating directly with payroll and structuring repayment through a check-off model, we eliminate missed payments and prevent overleveraging. Employees access the funds they need while maintaining financial stability—because a secure workforce is a productive workforce.
Life is unpredictable, and unexpected expenses—like medical emergencies, transport issues, or urgent household needs—can arise at any moment. Jipange Emergency Advance ensures employees can access up to 40% of their net salary instantly, with funds disbursed in under 90 seconds. This advance is secured against payroll, making it more affordable than overdrafts or mobile loans. With automatic payslip deductions, there are no late fees, no hidden charges—just fast, reliable support when it’s needed most
1 Month
90 Days with client
USSD or Application
School fees shouldn’t be a barrier to education. Jipange School Fees is a structured loan available only during the 7-day window before a new school term begins, ensuring employees can plan ahead and use it solely for educational needs. Employees can borrow based on their salary limit, with repayment spread across four months to align with school terms. Unlike other financing options, the loan isn’t restricted to tuition—it can also cover books, uniforms, and other essentials. With repayments deducted from payroll, there’s no risk of late penalties or missed payments
2-6 Months
2 Years Employed with client company
Application, Web, or Pen and Paper
Life’s biggest moments—whether it’s medical care, home improvement, or travel—shouldn’t be limited by payday. Jipange Maisha offers employees a structured personal loan with higher limits, secured against salary and terminal dues, making it more affordable than unsecured mobile or bank loans. The repayment term is fixed at application, ensuring clear and predictable financial planning. With no hidden fees and a transparent structure, Jipange Maisha provides a responsible, salary-based alternative for employees who need financial flexibility.
2-6 Months
2 Years Employed with client company
Application, Web, or Pen and Paper
Owning a vehicle—whether a car for convenience or a motorcycle for income generation—is now within reach. Jipange Auto & Bida finances up to 75% of an employee’s purchase, making ownership accessible without the high interest of traditional asset financing. Employees can choose their own vendor or work with Autocats in Nairobi for vetted vehicle purchases. Motorcycles are available for lower earners, ensuring tailored options for different income levels. With transparent pricing, no hidden fees, and structured payroll deductions, this product makes large purchases easier to manage and more financially sustainable.
2 Years
Variable
2 Years employed and a Signed Recommendation from Employer & Head of HR, and a Third party Guarantor
Web, or Pen and Paper
Planning for the future starts today. Jipange Retirement isn’t a savings plan—it’s a five-year financing solution designed to help employees secure a retirement property well before they exit employment. By leveraging structured salary deductions, it offers an accessible path to long-term financial security. This financing is particularly beneficial for employees without formal pension plans, ensuring they can build assets while still working. With a clear repayment structure and no hidden costs, Jipange Retirement makes financial independence after employment a reality.
5 Years
Variable
5 Years employed and a Signed Recommendation from Employer & Head of HR and a Third party Guarantor
Web, or Pen and Paper
Kulman Group provides innovative financial solutions to empower employees and employers. We offer tailored products such as emergency loans, school fees financing, retirement planning, and vehicle loans, helping you achieve financial stability and growth.
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