Why Choose Us
M-BASE vs. The Alternatives
| Feature | M-BASE (JIBU) | Commercial Banks | SACCOs | Mobile Money |
|---|---|---|---|---|
| Minimum Saving | 10,000 SSP | 100,000 SSP | 5,000 SSP | No saving |
| Interest Rate | 9% | 4–6% | 5–8% | None |
| Access | Mobile phone | Branch offices | Community-based | Phone only |
| Transparency | Digital monitoring | Limited | Informal records | No investment |
| Withdrawal | After 1 year | Anytime (fees) | Anytime (risky) | Transfers only |
| Investment Returns | Yes | Minimal | Sometimes | No |
Got Questions?
Frequently Asked Questions
What is the minimum amount I can invest?
You can start saving from as little as 10,000 SSP through airtime-linked contributions or direct deposit — making it accessible for everyone.
How is my interest calculated?
We offer a fixed 9% annual interest rate on all contributions. At the end of 12 months, your principal plus 9% interest is available for withdrawal.
When can I withdraw my funds?
Funds (principal + interest) are withdrawable after one year. This encourages financial discipline while ensuring your money is actively growing for you.
Is my money safe?
Yes. JIBU Co. Ltd. is a registered LLC (COY-JKSL5Q) operating under South Sudan laws. We invest in low-risk government securities, real estate, and vetted microfinance.
Can groups or businesses invest together?
Absolutely. Our Group Saving & Investment Plans are designed for SACCOs, churches, cooperatives, companies, and women's groups. Pooled group funds often attract even stronger returns.