Rules & Discipline

Clear rules protect everyone's money. Read carefully.

1. Why Rules Matter

B&M Group uses strict rules to prevent arguments and keep things fair. Late payments delay group progress and cause unnecessary stress.

Our system records all transactions automatically. It does not accept excuses. Discipline comes before access.

2. How to Pay Savings

Target: KSH 70 per week.
(Plus KSH 10 for any extra days in long months).

  1. Send your cash to the B&M Bank account via paybill 542542 and account number 04807764506150.
  2. Open your Member Portal immediately.
  3. Enter the exact amount and M-Pesa code into the deposit form.
  4. Click submit. The system will verify and update your balance instantly.
System Checks: The portal runs automated audits on the 7th and 21st of each month. If you are behind schedule, your account will be flagged.

3. Offline Backup Reporting

If the portal is down or you have no internet, you must still report your payment to avoid late penalties.

SMS / WhatsApp Format

Send this exactly to Brian or Maximilla:

B&M PAYMENT REPORT
Name: [Your Name]
Amount: [KSH Amount]
M-Pesa Code: [e.g., SGH1234567]

* An Admin will manually verify the code and credit your account to stop the system from issuing a warning.

4. Loans & Exits

Borrowing Limit

You can borrow up to twice your total savings. You must have saved at least KSH 500 to unlock the credit facility.

Fixed Interest

All loans carry a flat 15% system fee. Late repayments will result in daily penalties and a drop in your trust score.

Leaving the Group

Submit a formal exit application through the portal. You cannot exit if you have an active loan. All debts must be fully cleared first.