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Employee benefits are no longer cashflow dependent.

Jipange gives employees structured access to financial support with no risk or liability for the employer. The product system is built around real employee needs, employer-approved rules, and structured payroll repayment.

Employee-led access
USSD

*483*14#

Welcome to Jipange

Access1

Employee access opened

Private USSD session

Employer rules loaded

What is Jipange?

Purpose-driven employee support, without the operational burdens.

"Jipange" or, "to sort yourself" is a product ecosystem designed and tested around real employee needs, without adding any risk or liability to the employer. If an employee leaves, we absorb the cost, not you.

FAQs

The questions employers ask first.

Short answers for HR, Operations, and Finance before onboarding begins.

Is the employer financially liable?

No. The employer supports the approved operating model and payroll deduction process, but Jipange is not direct employer lending.

Does this affect employer working capital?

No. The employee access layer is designed to avoid putting cashflow pressure on the employer.

How do employees access Jipange?

Employees use USSD, review digital terms, accept them privately, and receive funds through MPESA where approved.

How is employee data handled?

Data is used to provide services, manage eligibility, support payroll-linked deductions, and operate the agreed program securely.

Borrowing Credit

Controlled access designed around affordability.

Active Control

Employer input

Payment History

Partnership record

The Borrowing Credit journey starts with the relationship between the employer and Kulman.

Because the employer assumes no liability for Jipange products, timely payment on behalf of staff is a core part of the strategic partnership. On-time, full payments show us that you are as dedicated to staff wellbeing as we are.

Good operating profile with moderate payroll history and developing deduction patterns.

Borrowing Credit AvailableKES 10,000 - 16,000

This simplified calculator is for demonstration only. Actual access is determined through Kulman's approved risk, payroll, employer, and product controls.

Why employers like it

Financial support, without turning HR into a lender.

No employer cashflow impact

Jipange is structured so employee access does not become an employer working-capital problem.

Less salary advance admin

Employees use defined channels. HR gets fewer manual requests and follow-ups.

Payroll check-off discipline

Repayments are tied to approved payroll deduction workflows.

Dedicated support

Kulman supports employees and admin teams through rollout and ongoing service.

Why employees use it

Private, fast and useful when timing is tight.

Private access

Employees can request support discreetly, without turning every need into an HR conversation.

Simple USSD channel

Access works through *483*14#, so employees do not need a smartphone or data bundle.

Fast disbursal

Digital term acceptance and MPESA disbursal keep the journey short and familiar.

Real-life use cases

Emergency needs, school fees, medical support, farming inputs, and home needs are treated as purpose-led moments.

How it works

A simple three-way system. Kulman does the heavy lifting.

Opt-in data + remittanceDeduction lists + reporting
Setup, SMS + MPESAUSSD request + digital acceptance

Data protection + compliance

Payroll data is handled as operating trust.

Employee data is used to provide services, manage access, support deductions, and operate the approved program. Consent, confidentiality, and secure handling sit inside the model.

Employee consent
Service-only data use
Controller and processor discipline
Secure payroll handling
Confidential support pathways
Operational audit controls
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MOU

Formalize the partnership and operating expectations.

Rollout

Same-day activation when the data is ready. Phased rollout when the organization needs it.

The process is built to be clear for HR and Finance, simple for employees, and supported by Kulman from launch through service.