You can check out Elimu Sacco (it's is open to employed individuals outside of the public sector) or Kenya Banker's Association (to qualify,you would need to work for the banking/financial industry).
The interest rates for both range between 12-15% - as of last time i checked - and you'd be free to access loans of 3 times the amount held in your account.
All the best.
To appreciate the beauty of a snow flake,it is necessary to stand out in the cold.
Généralement, les gens qui savant peu parlent becoup, et les gens qui savant beaucoup parlent peu.
- Rousseau.