Front Office Services These are the FOSA services we offer: Jibambe Loan Has attractive terms of payment and no ledger fees. Maximum repayment of 12 months and interest rate on reducing balance. FOSA Advance Members are allowed to overdraw their account for a period of three months Okoa Loan Has attractive terms of payment. Maximum repayment period of six months and interest rate on reducing balance, Mobile Banking Our mobile banking system allows members to deposit, withdraw, balance inquiry, airtime purchase and e-loan application Salary Processing Get your pay from your employer or other parties who pay you. e.g milk, coffee, tea, etc. Lipa Kwa Sacco By use of our transaction fee free Mpesa Paybill, your customers can deposit directly to your Nufaika Sacco account Other Services Agency Banking. M-pesa services. NHIF Payment. Bankers cheque.