Front Office Services These are the FOSA services we offer: Jibambe Loan Attractive terms of paymentNo ledger feesMaximum repayment of 6 monthsInterest rate on reducing balance FOSA Advance Members are allowed to overdraw their account for a period of one month Okoa Loan Attractive terms of paymentMaximum repayment period of 3 monthsInterest rate on reducing balance Other services Salary processingBanker’s chequeMobile baking (SpotCash)Lipa na M-pesa paybill number 799090M-PesaAgency Banking services – Co-Operative & Equity