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One Bob One Day

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Collective Investments & Wealth Building

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Small Contributions, Big Impact

One Bob One Day Investment

The One Bob One Day Investment initiative by Bancario Group is designed to show that small daily savings can lead to financial success. By setting aside just Ksh 1 per day, members can accumulate substantial savings over time and invest in high-return ventures.

Achieve Financial Goals – Whether it’s starting a business, paying school fees, or buying land, this initiative makes your dreams achievable.

  • The Power of Small Savings

    Saving Made Easy
    • Financial Discipline – It builds the habit of saving without straining your budget.
    • Compound Growth – Even small amounts grow over time when invested wisely.
    • Accessibility – Everyone, regardless of income level, can participate in investments.
    • Achieving Goals – Whether for education, business, or emergencies, small contributions accumulate into meaningful amounts.
    Interested in Joining? Contact us

  • How it Works

    Be part of us:
    • Save Just 1 Bob Per Day – A simple and affordable way to build financial discipline.
    • Pooled Investments – Funds are collectively invested in businesses, stocks, and other profitable ventures.
    • Wealth Growth – Even the smallest savings can grow into significant wealth when invested wisely.
    • Achieve Financial Goals – Whether it’s starting a business, paying school fees, or buying land, this initiative makes your dreams achievable.
    Interested in Joining? Contact us

  • How to Join the One Bob Project

    For members to join the One Bob Project and what they need to know:
    • You need to be a member, and it is as easy as:
    • 1. Save any amount from KES 1.00 onwards to this till.
    • 2. Buy Goods and Services: 4549084
    • 3. Name: Bancario Self Help Group
    • 4. Once you have saved, follow the link herewith to join the One Bob, One Day Savings Challenge Group. Click here to join. An account with your name will be opened for your records and progress monitoring.
    • 5. You’ll receive updates, trainings, and webinars to understand the Group, its projects, and your role in them.
    • 6. Your savings will be refunded at the end of the financial year with interest, less M-Pesa transaction costs.
      (Our Financial Years begin on 1st July and end on 30th June the following year. Refunds are made at the A.G.M meeting.)
      Utarudishiwa at the AGM meeting with interest added.
    • 7. The Group motivates you to save even during tough socio-economic times through engaging and rewarding challenges.
    • 8. The savings challenge works on the One Bob, One Day model – save 1 shilling on Day 1, then add 1 shilling more each day.
      Example: 1st Jan = 1 bob, 2nd Jan = 2 bob, 3rd Jan = 3 bob... 31st Jan = 31 bob, 1st Feb = 32 bob, and so on.
    • 9. Members can borrow Flexx Loans against their savings – up to 70% of total savings, at 3% monthly interest (reducing balance).
      Late payments attract a 10% fee on the missed installment, charged automatically at 1:30 a.m. the day after the due date.
      Example: If due on 1st Jan 2026 and not paid, a 10% penalty applies at 1:30 a.m. on 2nd Jan 2026. Members have until 1:30 a.m. on 4th Jan 2026 to pay before automatic recovery from savings occurs.
      This flexibility makes the Bancario Group’s One Bob, One Day Flexx Loan unique and member-friendly.
    • 10. One Bob, One Day is a probation program open to everyone – even members of the public.
    • 11. To become a Full Member, Bancario Group recruits twice yearly – during the Mid-Year Meeting (December) and the Annual General Meeting (July).
    • 12. Membership Registration Fee: KES 1,500/=.
    • 13. After registration, a Full Member account will be opened in your name.
    Full Members also participate in these projects:
    • 1) Chama – KES 3,500/month
      (3,000/= Chama contribution, 500/= Administrative kitty)
    • 2) Table Banking – 10% p.m. Loans
      Borrow up to 70% of your total Chama portfolio. Loans are secured by your Chama contributions.
    • 3) One Bob One Day Projects
      Annual targets for full members go toward real estate projects such as Mwea I, II & III.
      • Mwea I: Closed in July 2025 (4 shares remaining @ KES 34,000/= each).
      • Mwea II & III: Ongoing – shares @ KES 33,000/= each.
      • Members who complete the 2025/26 One Bob Challenge (target KES 66,000/=) earn shares in Mwea II & III.
      • Non-members can join these projects after graduating to full membership (July or December intake).
      • Once a project is closed, new entries are not allowed.
    • 4) Flexx Loan for Full Members
      Once savings exceed the annual target (KES 66,000/= for 2025/26), members can borrow against the surplus.
      Example: If you’ve saved KES 76,000/=, then KES 66,000/= goes to share purchase, leaving KES 10,000/= eligible for Flexx Loan.
      You can borrow 70% of that surplus (KES 7,000/=).
    Withdrawal Policy:
    • Members may withdraw savings anytime by writing to bancariogroup@gmail.com.
    • Withdrawals are processed and released on the 5th of the following month after request (e.g., request on 6th Jan → payment on 5th Feb).
    • If the 5th falls on a weekend or public holiday, payments are made on the next working day.
    • Refunds are sent via M-Pesa to the member’s registered number, less transaction costs.
    Join or Inquire Now