Sacco Loan Application: Fill & Download for Free

Probably because no one reads the free information available on the website - its the same information in the manual. By forcing you to buy the user manual before you can be invited to join the online sacco, they ensure you learn how the platform operates before you can create an account - rather than creating an account then learning by trial and error what doesn’t work.For example:Do you know that you set your own loan limits?orThat loan funds can only be sent to you via a prepaid debit card and not directly through mpesa?orThat you don’t need to download a loan app to borrow from the online sacco?These are just the few simple but important things you will learn when you read the manual. Remember, you must actually read the manual cover to cover because there is a small test that proves you have done so and allows you to be invited - i wont reveal what it is, but its a very simple test.So in summary, you have to buy the user manual so that The Online Sacco can keep out those only looking for the loan application button and don’t care how the system operates.

A microfinance software is a computer application that manages client's transactions while still handling the accounting aspect of the bank.The best microfinance software should at least have the following features:Client Management. This involves creating, editing, activating, and de-activating clients accountsSavings accounts: This feature handles the deposits, withdrawals, charges, and transfers made by the microfinance clientsShares accounts: A good microfinance software should also allow the bank to manage the client’s shares purchases, transfers, and redemptions.Loans accounts: Since microfinance banks take financial services to the poor and the under-banked society, it should allow the organization to create loan accounts, handle loan amortization, allow loan disbursals and payments.Accounting: Any good microfinance bank software should generate end-of-year reports including a trial balance, profit & loss account, and a balance sheet.If you would like a good microfinance bank that handles all these functions for you, I would recommend Franktek Microfinance Bank software one of the best Sacco software in Kenya since it is user-friendly, easy to use, and pocket friendly. See the screenshot below:

teacher of the law was there who heard the discussion. He sawthat Jesus had given the Sadducee a good answer, so he came tohim with a question: which commandment is the most importantof all? Jesus replied: The most important one is this: Listen Israel!The lord our God is the only lord. Love the lord God with all yourheart, with all your soul, with your entire mind and with all yourstrength. (Mark 12:28-29) Certainly they disbelieve who say:Surely Allah, He is the Messiah son of Maryam; and the Messiahsaid: O children of Israel! Serve Allah, My lord and your lord.Surely whoever associates others with Allah, then Allah hasforbidden him paradise, and his abode is the fire; and there shallbe no helpers for the unjust. Certainly they disbelieve who say:Surely Allah is the third of the three; and there is no god but oneAllah, and if they desist not from what they say a painful chastisement shall befall those among them who disbelieve.(Quran 5:72-73)The second most important commandment is this: love your neighbor as you love yourself. There are no commandments more important than these two. (Mark 12:31) Narrated Anas: The prophet said: None of you will have faith till he wishes for his brother what he likes for himself. (Sahih Bukhari, Belief 12) There is no compulsion in religion; truly the right way has become clearly distinct from error; therefore, whoever disbelieves in the Satan and believe in Allah he indeed has laid hold on the firmest handle, which shall not break off, and Allah is hearing, knowing. (Quran 2:256) We best know what they say and you are not one to compel them; therefore remind him by means of the Quran who fears my threat. (Quran 50:45) Constitution of Kenya chapter sixteen: An amendment to this constitution may be proposed by a popular initiative signed by at least one million registered voters. A popular initiative for an amendment to this constitution may be in the form of a general suggestion or formulated draft bill. If a popular initiative is in the form of a general suggestion, the promoters of that popular initiative shall formulate it into a draft bill. The promoters of a popular initiative shall deliver the draft bill and the supporting signatures to the IEBC, which shall verify that the initiative is supported by at least one million registered voters. If the IEBC is satisfied that the initiative meets the requirements of this article, the commission shall submit the draft bill to each county assembly for consideration within three months after the date it was submitted by the commission. If a county assembly approves the draft bill within three months after the date it was submitted by the commission, the speaker of the county assembly shall deliver a copy of the draft bill jointly to the speakers of the two houses of parliament, with a certificate that the county assembly has approved it. If a draft bill has been approved by majority of the county assemblies, it shall be introduced in parliament without delay. A bill under this article is passed by parliament is supported by majority of the members of each house. If parliament passes the bill, it shall be submitted to the president for assent in accordance with articles 256 (4) and (5). If either house of parliament fails to pass the bill, or the bills relates to a matter specified in 255 (1), the proposed amendment shall be submitted to the people in a referendum. Article 255 (2) applies, with any necessary modifications, to a referendum under clause (10). (Constitution of Kenya)1.Successful indeed are the believers, those who humble themselves in their prayers; who avoid vain talk; who are active in giving Zakat. (Quran 23:1-4) They ask you as to what they should spend. Say: whatever wealth you spend, it is for the parents and the near of kin and the orphans and the needy and the wayfarer, and whatever good you do, Allah surely knows. (Quran 2:215) Narrated Abu Said: Allah messenger (pbuh) said: No Zakat is due on property mounting to less than five Uqiyas, and no Zakat is due on less than five camels and there is no Zakat on less than five wasqs. Sahih Muslim, The Book of Zakat Book 12, Hadith 10 Narrated 'Jabir b. Abdullah reported Allah's Messenger (pbuh) as saying: A tenth is payable on what is watered by rivers, or rains, and a twentieth on what is watered by camels. Taxation shall be 1/3 of the earning exceeding 23334 shillings. For those earning equal to or below 23334 shillings shall be a 1/10.2.What Allah has bestowed on his messenger from the people of the townships, belongs to Allah, to his messenger, the kindred, orphans, the needy and the wayfarers; in order that it may not merely make a circuit between the wealthy among you. So take what the messenger gives you and refrain from what he prohibits you. And fear Allah; for Allah is strict in punishment. (Quran 59:7) Salary and wages for all employees shall not exceed 70000 shillings per month. Example a Member of Parliament get paid 700000 shillings, the same amount would be paid to 10 persons reducing unemployment rate.3. Alms are for the poor, the needy and those employed to administer the funds: for those whose hearts have been reconciled; for those in bondage and debt; in the cause of Allah; and for wayfarers ordained by Allah. And Allah is full of Knowledge and Wisdom. (Quran 9:60) Allowances and retirement packages shall not exceed 70000 shillings per month. Thus the Maximum employee earning cap shall be 150000 shillings per month.4.Narrated Anas the prophet said: None of you will have faith till he wishes for his brother what he likes for himself. (Sahih Bukhari, belief 5) The gap between the top paid in remuneration and retirement packages and the lowest paid in remuneration and retirement packages in an organization or government shall be within the range of a 1/3. Example is not fair for president to be given a retirement package of a house worth 150 million and a civil servant retires with nothing after years of service. Or if the top paid is 150000 shillings the lowest should be 50000 shillings.5. Is it they who would portion out the mercy of thy lord? It is we who portion out between them their livelihood in the life of this world: and some of them above others in ranks so that some may command work from others. But the mercy of the lord is better than the wealth they amass. (Quran 43:32) Working hours and days shall be 6 hours a day per person and four days a week per person.6. Narrated Al Miswar bin Makhrama and Marwan; when the writing of the peace treaty was concluded, Allah messenger said to his companions, set up and slaughter your sacrifices and get your head shaved. By Allah none of them got up and the Prophet repeated his orders thrice. When none of them got up, He left for Um Salama and told her of the people attitudes towards him. Um Salama said, prophet of Allah do you want your orders to be carried out? Go out and do not say a word to them till you have slaughtered your sacrifice and call the barber to shave your head. So the prophet went out and did just that. When the companions of the prophet saw that, they got up and sacrificed and shaved their heads. (Sahih Bukhari, volume 3, conditions 891) Scraping the senate house: To remain with the National Assembly and County Assembly. National Assembly to consist of senates as male members of parliament, women representative as the female members of parliament and thus every constituency shall vote for a male and female representative. The county Assembly to consist of male county Assembly representative (M.C.A), female county Assembly Representative (F.C.A) and thus every ward shall vote for male and female representative. If the Governor, president and secretaries is male the deputy is female. The nominated persons shall be special persons.7. Surah Al-Anbiya, Verse 60: They said: We heard a youth called Ibrahim speak of them. The governors and those in county Assembly shall be 40yrs and below as per the day the elections are announced.8. And whatever you lay out as usury, so that it may increase in the property of men, it shall not increase with Allah; and whatever you give in charity, desiring Allah pleasure it is these that shall get manifold. (Quran 30:39) Exodus 22:25 "If you lend money to My people, to the poor among you, you are not to act as a creditor to him; you shall not charge him interest. There shall be zero interest rates on loans or no interest rates on loans.9. O you who believe! Do not devour usury, making it double and redouble and be careful of your duty to Allah, that you may be successful. (Quran 3:130) The maximum profits cap shall not exceed the cost of running an organization but can be equal to the cost of running the organization. If the organization exceeds, the excess should be remitted to the Kenya revenue Authority.10. Surah Yusuf, Verse 55: He said: Place me (in authority) over the treasures of the land, surely I am a good keeper, knowing well. Kenya Revenue Authority shall be the sole tax collector i.e. licenses or permits in both the national level and county level.11. Surah Al-Baqara, Verse 273: (Alms are) for the poor who are confined in the way of Allah-- they cannot go about in the land; the ignorant man thinks them to be rich on account of (their) abstaining (from begging); you can recognize them by their mark; they do not beg from men importunately; and whatever good thing you spend, surely Allah knows it : Narrated Al Miqdam The prophet said: Nobody has ever eaten a better meal than that which one has earned by working with one own hands. The prophet of Allah, David used to eat from the earnings of his labor. (Sahih Bukhari, sales and trade 286 ) O you who believe! When you deal with each other in contracting a debt for fixed time, then write it down; and let a scribe write it down between you with fairness; and the scribe should not refuse to write as Allah has taught him, so he should write; and let him who owes the debt dictate, and should be careful of Allah, his lord, and not diminish anything from it; but he who owes the debt is unsound in understanding or weak, or if he is not able to dictate himself, let his guardian dictate with fairness; and call in to witness from among your men two witnesses; but if there are not two men, then one man and two women from among those whom you choose to be witnesses, so that if one errors, the second of the two may remind the other; and the witnesses should not refuse when they are summoned; and be not averse to writing it small or large, with the time of its falling due; this is more equitable in the sight of Allah and assures greater accuracy in testimony, and the nearest that you may not entertain doubts except when it is ready merchandise which you give and take among yourselves from hand to hand, then there is no blame on you in not writing it down; and have witnesses when you barter with one another, and let no harm be done to the scribe or the witness; and if you do it then surely it will be a transgression in you, and be careful of your duty to Allah, Allah teaches you, and Allah knows all things. (Quran 2:282) National bank :A. With a board consisting of officials appointed by the KRA, office of the Attorney general, Prosecutors office, CBK, finance committee member of national assembly, board of governors and NIS. B. Business Loans equal to or below 150000 shillings zero interest without security and any amount above must have security or a running profitable business ; no title deeds or log books required if not part of the business asset. Example: The main financial models include the exchange, banking and the Sacco; where in exchange markets is more of established organizations, in banking one must have security in a family of three unemployed youths which one will the father or mother give the title as security and the Sacco one must save for a period, for a nation whose population lives below a dollar will they save or eat. C. How it works on business loans: A business plan within the limits of 150000 shillings. Within the banking hall the applicant should be able to acquire or confirm a KRA pin, required licenses to run such a business, good conduct and register the business name as a partnership between a group, him/her and the government for free. D. within Seven days of application the business should start to run; the government as the majority share holder with a 100%. The 50% of the profits is for one in debt and the other reduces the debt. Example: A farmer helped with 150000 to rear dairy cows after selling of milk in a month he gets 15000 after deducting the cost of rearing 7000 is his and 7000 is for repayment; 150000-7000=143000 the government shares reduces to 95.34%. E. Whether the person has criminal record or not he is eligible for a loan.12. Sunan Ibn Majah, The Book of the Sunnah Book 1, Hadith 231 Narrated 'It was narrated that Zirr bin Hubaish said:"I went to Safwan bin 'Assal Al-Muradi and he said: 'What brought you here?' I said: 'I am seeking knowledge.' He said: 'I heard the Messenger of Allah say: "There is no one who goes out of his house in order to seek knowledge, but the angels lower their wings in approval of his action.'" : Free education :A. Kenya high school: 1. all high schools in Kenya are all named the same, Kenya high school with no level such as national, county or extra county schools. 2. All must be equally equipped with relevant books, laboratories in respective subjects, lockers, dormitories, libraries, laptops, pads for girls, meals, transport and teachers all provided by the government. 3. High school education is Free to all with, all cost paid by the government. 4. All lads and girls in high schools must wear white shirts or blouses, Black trousers for both, Black pleated skirts, Black sweaters, Black jumpers, Black scarf, Red and white ties, Red and white socks, Green Sports gears and Black hijabs for religious purposes; all uniforms shall be fully provided by the government for all students. 5. All county wards must have at least a Kenya high school.B. Kenya primary school: All primary schools are named the same, Kenya primary school with no level such as national, county or extra county schools. 2. All must be equally equipped with relevant books, laboratories in respective subjects, lockers, dormitories, laptops, libraries, pads for girls, meals, transport and teachers all provided by the government. 3. Primary school education shall be Free for all, all cost paid for by the government. 4. All lads and girls in primary school shall wear white shirts or blouses, green trousers for both, green pleated skirts, green sweaters, green jumpers, green scarf, Black and white ties, green hijabs for religious purposes and ; all uniforms shall be fully provided by the government for all pupils. 5. All county wards must have at least a Kenya primary school.C. Kenya University: 1. All universities shall be all named Kenyan university, with quality standardized education. 2. Free university education for all Kenyans. 3. All county wards must have at least a Kenyan university well equipped with all required resources. 4. Shall provide certificate, diploma, undergraduate, post-graduate and doctorates studies. 5. Must have research labs to facilitate research for different fields to all Kenyans.13. Narrated Anas bin Malik the prophet said: Make things easy for the people, do not make it difficult for them, make them calm and do not repulse. (Sahih Bukhari, Al Adab 146) Level six hospitals that treat cancer, diabeties, kidney, heart and research on emerging diseases and finding treatment should be in all counties providing free medical services, no licenses for private Hospitals of less than level six and all county wards must have at least a level five hospital with enough personnel, equipments, beds and beddings, Good food and medicine for free.14.Narrated Abu Burda the prophet sent my father and Muadh bin Jabal to Yemen and said: make things easy for the people, do not put hurdles in their way, give them glad tiding, do not let them have aversion and both should work in cooperation and mutual understanding. Abu Musa asked the messenger of Allah: in our country a special alcoholic drink called Al Bit is prepared. The prophet replied: Every intoxicant is prohibited. Rev 19 : 15 ... And he treads the wine-press of the fierceness and wrath of Almighty God. Intoxicants: beer, shisha, wine, Khat, spirits and any hard drug shall not be grown, made, advertised, sold or taxed in the country.15. They ask you about intoxicants and game of chance. Say: In both of them there is a great sin and means of profit for men, and their sin is greater than the profit. And they ask you as to what they should spend. Say: What you can spare. Thus does Allah make clear to you the communications that you may ponder? (Quran 2:219) Gambling of any sort is prohibited within the country.16. Surah Al-Baqara, Verse 280: And if (the debtor) is in straitens, then let there be postponement until (he is in) ease; and that you remit (it) as alms is better for you, if you knew. Equal protection: Before auctioning or throwing a person in jail for debt it must be proven that the person can willfully pay (simply he could pay but has refused.)17. Sunan Ibn Majah, The Chapters on Business Transactions Book 12, Hadith 2225 Narrated 'It was narrated from Abu Humaid As-Sa'idi that the Messenger of Allah (pbuh) said: Be moderate in seeking worldly things, for everyone will be facilitated for which he was created." (Sahih) Nudge: 500 & 1000 to be paid to members of the public willing to contribute in making law in county assembly and national assembly respectively.18. Sunan Ibn Majah, The Chapters on Business Transactions Book 12, Hadith 2223 Narrated 'It was narrated from Abu Hurairah that the Prophet (pbuh) said: 'The one who strives to support the widow and the poor is like a Mujahid who fights in the cause of Allah, and like one who stands in the night (in voluntary prayer) and fasts by day." (Sahih) Legal aid clinics: Free lawyers services in all counties fully paid by the government.19. Sunan Ibn Majah, The Book of the Sunnah Book 1, Hadith 230 Narrated 'It was narrated that Abu Hurairah said: "The Messenger of Allah said: 'Whoever relieves a Muslim of some worldly distress, Allah will relieve him of some of the distress of the Day of Resurrection, and whoever conceals (the faults of) a Muslim, Allah will conceal him (his faults) in this world and the Day of Resurrection. And whoever relives the burden from a destitute person, Allah will relieve him in this world and the next. Allah will help His slave so long as His slave helps his brother. Whoever follows a path in pursuit of knowledge, Allah will make easy for him a path to paradise. No people gather in one of the houses of Allah, reciting the Book of Allah and teaching it to one another, but the angels will surround them, tranquility will descend upon them mercy will envelop them and Allah will mention them to those who are with Him. And whoever is hindered because of his bad deeds, his lineage will be of no avail to him.'" (Sahih) General1. All elected person and public officers cannot have their kids in private school, be treated abroad or private hospitals or have bodyguards but they loss the seat or jobs without compensations of any sort.2. Constituency development fund, member of county assembly fund, woman representative fund, youth fund and other funds shall be illegal.3. Commuter ( i.e bus, tube, mathree ) fee shall be less than or equal to 1 shilling per 1 kilometer per passenger.4. Retail price index: Imports and producers shall work to achieve one kilo of any edible and inedible product at 10 shillings.5. House residential rent capping shall be less than or equal to 7000 shillings per month.20. Oaths : Surah An-Nahl, Verse 91: And fulfill the covenant of Allah when you have made a covenant, and do not break the oaths after making them fast, and you have indeed made Allah a surety for you; surely Allah knows what you do. Sahih Muslim, The Book of Faith Book 1, Hadith 263 Narrated 'It is narrated on the authority of Abdullah that he heard the Prophet (pbuh) saying: He who took an oath in order to entitle himself (to the possession) of a property, whereas he is a liar, would meet Allah in a state that He would be very much angry with him. Then the remaining part of the hadith was narrated as transmitted by A'mash but with the exception of these words: There was a dispute between me and another person in regard to a well. We referred this dispute to the Messenger of Allah (). Upon this he remarked: Either (you should produce) two witnesses (to support your contention) or his oath (would be accepted as valid ). Volume 1, Book 2, Number 33: Narrated 'Abdullah bin 'Amr: The Prophet said, "Whoever has the following four (characteristics) will be a pure hypocrite and whoever has one of the following four characteristics will have one characteristic of hypocrisy unless and until he gives it up. Whenever he is entrusted, he betrays, Whenever he speaks, he tells a lie, Whenever he makes a covenant, he proves treacherous, Whenever he quarrels, he behaves in a very imprudent, evil and insulting manner."Sunan Ibn Majah, The Chapters on Charity Book 15, Hadith 2520 Narrated 'It was narrated that Abu Sa'eed Al-Khudri said: "A Bedouin came to the Prophet (pbuh) to ask him to pay back a debt that he owed him, and he spoke harshly, saying: 'I will make things difficult for you unless you repay me.' His Companions rebuked him and said: 'Woe to you, do you know who you are speaking to?' He said: 'I am only asking for my rights.' The Prophet (pbuh) said: 'Why do you not support the one who has a right?' Then he sent word to Khawlah bint Qais, saying to her: 'If you have dates, lend them to us until our dates come, then we will pay you back.' She said: 'Yes, may my father be ransomed for you, O Messenger of Allah ()!' So she gave him a loan, and he paid back the Bedouin and fed him. He (the Bedouin) said: 'You have paid me in full, may Allah (SWT) pay you in full.' He (the Prophet (pbuh) ) said: 'Those are the best of people. May that nation not be cleansed (of sin) among whom the weak cannot get their rights without trouble.' "(Hasan) Surah An-Nisa, Verse 85: Whoever joins himself (to another) in a good cause shall have a share of it, and whoever joins himself (to another) in an evil cause shall have the responsibility of it, and Allah controls all things. Manifesto for everyone that takes or appointed to a public office which shall be legally binding;1. Must have an oath taken. 2. Can be used in country of law to incriminate if what is in the Manifesto is not accomplished within term in office. 3. Without delivering in one, one is automatically disqualified from any appointment or election. 4. Any property or amount lost in a public office must be repaid by those in charge of taking care of it immediately without a the courts order allowing or stopping it, must return all amount they have been paid each ( salary, wages, allowances ) in the period of practice in that particular job immediately without the courts order to allowed or stop it, they all get disqualified from any job within the government offices or election without court order allowing or stopping it, immediately losses their position they are holding, each paying for the unaccounted amount or embezzled amount or overpricing in both national level or respective county in each case of corruption and the amount is not shared. 5. If the courts find the corruption perpetrators through a fair hearing, evidence driven and the full amount is given back and penalties to the government those ( 4 above ) should get their money back but still get disqualified from any public office. 6. All recommenders ( appoint, nominate and vet ) of the persons also losses their jobs. Example A ministry is found to have lost money the president and deputy who nominated the cs and the Members of parliament also loss their jobs all. 7. For those elected, who loss their jobs, those that were on the ballot paper get the job starting from the immediate thus no election to be held for the position unless there were no competitors applies between general election.21. Volume 4, Book 52, Number 120: Narrated ('Abdullah) bin 'Umar: The Prophet arranged for a horse race amongst the horses that had been made lean to take place between Al-Hafya'' and Thaniyat Al-Wada' (i.e. names of two places) and the horses which had not been mad.? lean from Ath-Thaniyat to the mosque of Bani Zuraiq. I was also amongst those who took part in that horse race. Sufyan, a sub-narrator, said, "The distance between Al-Hafya and Thaniya Al-Wada' is five or six miles; and between Thaniya and the mosque of Bani Zuraiq is one mile." Kenya board of Sports. 1. All top professional Sport people men and women, able and disabled are government employees. 2. Minimum monthly salary 70000 per athlete. 3. Scouting, coaching, accommodation, athletes shoes and clothes sponsorship, the board is responsible. 4. All wards in the counties must have an Olympic stadium which can support all sports. 5. Every Sport must be fully equipped with all training gears.22. Environment carbon: Surah Ar-Room, Verse 41: Corruption has appeared in the land and the sea on account of what the hands of men have wrought, that He may make them taste a part of that which they have done, so that they may return.1. to curb the amount of carbon emission in the atmosphere. 2. Private cars shall not be used in the daytime only night time 8 pm to 3 am within towns and cities. 3. No petroleum private cars, motor bikes and petroleum taxis should be allowed on the kenyan roads. 4. All commercial vehicles owners must reasonably replace their vehicles with less or zero carbon omitting vehicles.23. Surah Yusuf, Verse 47: He said: You shall sow for seven years continuously, then what you reap leave it in its ear except a little of which you eat. Surah Yusuf, Verse 65: And when they opened their goods, they found their money returned to them. They said: O our father! what (more) can we desire? This is our property returned to us, and we will bring corn for our family and guard our brother, and will have in addition the measure of a camel (load); this is an easy measure. Surah Yusuf, Verse 48: Then there shall come after that seven years of hardship which shall eat away all that you have beforehand laid up in store for them, except a little of what you shall have preserved. Kenya food bank ( KFB ) ;1. All kenyan farmers of any crop have the right to be bought for their agricultural produce. 2. All county wards must have at least one KFB store which will Collect the produce and record it. 3. The produce is bought at competitive price 2/3 of the profits of all produce shared equally. 4. No kenyan should die due to hunger.24. Sunan Ibn Majah, The Chapters on Marriage Book 9, Hadith 2064 Narrated 'It was narrated from Ibn 'Umar that: the Prophet cursed the woman who does hair extensions and the one who has that done, and the woman who does tattoos and the one who has that done. (Sahih) 1 Corinth 11 : 6 For if a woman does not cover her head, she might as well have her hair cut off; but if it is a disgrace for a woman to have her hair cut off or her head shaved, then she should cover her head. Artificial, human hair and artificial nails should not be made, advertised, sold or licensed jobs for beauty parlors.25. Surah Al-Isra, Verse 26: And give to the near of kin his due and (to) the needy and the wayfarer, and do not squander wastefully. Surah Al-Isra, Verse 27: Surely the squanderers are the fellows of the Shaitans and the Shaitan is ever ungrateful to his Lord. Bench-marking trips other trips and luxurious lifestyles by politicians and public officers using state resources are illegal. Any information, study, findings, reporting shall be done or conducted by the office of the kenyan ambassador to that foreign state.26. Sahih Muslim, The Book of Virtue, Enjoining Good Manners, and Joining of the Ties of Kinship Book 46, Hadith 6737 Narrated 'Abu Dharr reported Allah's Messenger (pbuh) as saying that Allah, the Exalted and Glorious, said: My servants, I have made oppression unlawful for Me and unlawful for you, so do not commit oppression against one another. My servants, all of you are liable to err except one whom I guide on the right path, so seek right guidance from Me so that I should direct you to the right path. O My servants, all of you are hungry (needy) except one whom I feed, so beg food from Me, so that I may give that to you. O My servants, all of you are naked (need clothes) except one whom I provide garments, so beg clothes from Me, so that I should clothe you. O My servants, you commit error night and day and I am there to pardon your sins, so beg pardon from Me so that I should grant you pardon. O My servants, you can neither do Me any harm nor can you do Me any good. O My servants, even if the first amongst you and the last amongst you and even the whole of human race of yours, and that of jinns even, become (equal in) God-conscious like the heart of a single person amongst you, nothing would add to My Power. O My servants, even if the first amongst you and the last amongst you and the whole human race of yours and that of the Jinns too in unison become the most wicked (all beating) like the heart of a single person, it would cause no loss to My Power. O My servants, even if the first amongst you and the last amongst you and the whole human race of yours and that of jinns also all stand in one plain ground and you ask Me and I confer upon every person what he asks for, it would not. in any way, cause any loss to Me (even less) than that which is caused to the ocean by dipping the needle in it. My servants, these for you I shall reward you for thern, so he who deeds of yours which I am recording finds good should praise Allah and he who does not find that should not. Volume 3, Book 43, Number 624:Narrated Anas: Allah's Apostle said, "Help your brother, whether he is an oppressor or he is an oppressed one. People asked, "O Allah's Apostle! It is all right to help him if he is oppressed, but how should we help him if he is an oppressor?" The Prophet said, "By preventing him from oppressing others." Surah An-Nisa, Verse 92: And it does not behoove a believer to kill a believer except by mistake, and whoever kills a believer by mistake, he should free a believing slave, and blood-money should be paid to his people unless they remit it as alms; but if he be from a tribe hostile to you and he is a believer, the freeing of a believing slave (suffices), and if he is from a tribe between whom and you there is a covenant, the blood-money should be paid to his people along with the freeing of a believing slave; but he who cannot find (a slave) should fast for two months successively: a penance from Allah, and Allah is Knowing, Wise. A security person (s) include police, military any other government security organ, harassing include bribe any inappropriate behavior or killing both kenyan or foreign citizen (s) by mistake or recklessly shall be penalized or pay blood money.1. Harassing or killing a person, 1/3 of his or her salary shall be remitted to the victim or family of the deceased for the period of the security person employment till retirement. 2. Harassing or killing two persons, 1/2 of his salary and allowances divided among the victims or families of the deceased for the period of the security person employment till retirement. 3. Harassing or killing three persons, 2/3 of his or her salary and allowances divided between the victims or families of the deceased for the period of employment till retirement. 4. Harassing or killing four the security person losses his or her job and Serve a twenty year hard labor prison sentence without reduction or parole. 5. If the person ever kills another innocent person he or she is sentence to death. 6. If the security person ever chooses to resign from his job before retirement age or remaining employment period is less than 10 years harassment penalties is 15 million kenyan shillings per person and 30 million kenyan shillings per person for killing. 7. If the security unit does not produce the person (s) within a week, the whole patrol unit at the place of incident bear the responsibility and all the above is applicable to each security person.27. Sahih Bukhari Volume 5, Book 59, Number 430: Narrated Al-Bara: The Prophet was carrying earth on the day of Al-Khandaq till his abdomen was fully covered with dust, and he was saying, "By Allah, without Allah we would not have been guided, neither would we have given in charity, nor would we have prayed. So (O Allah), please send Sakina (i.e. calmness) upon us, and make our feet firm if we meet the enemy as the enemy have rebelled against us, and if they intended affliction, (i.e. want to frighten us and fight against us then we would not flee but withstand them)." The Prophet used to raise his voice saying, "Abaina! Abaina! (i.e. would not, we would not)." Harambee : For every kenyan or foreign citizen employed, working or investing in the country must be involved in a two hour community development programmes ( shall include visiting the sick, helping the needy, paying for a Sport local game, cleaning the streets and pathways, planting trees, ) daily, failure to, attracts 2000 kenyan shillings fine per day which shall fund the development of that community.Aal-e-Imran, Verse 104:And from among you there should be a party who invite to good and enjoin what is right and forbid the wrong, and these it is that shall be successful. Surah Aal-e-Imran, Verse 114: They believe in Allah and the last day, and they enjoin what is right and forbid the wrong and they strive with one another in hastening to good deeds, and those are among the good. Surah At-Taubah, Verse 71: And (as for) the believing men and the believing women, they are guardians of each other; they enjoin good and forbid evil and keep up prayer and pay the poor-rate, and obey Allah and His Apostle; (as for) these, Allah will show mercy to them; surely Allah is Mighty, Wise. Surah An-Nisa, Verse 85: Whoever joins himself (to another) in a good cause shall have a share of it, and whoever joins himself (to another) in an evil cause shall have the responsibility of it, and Allah controls all things. Surah Al-Baqara, Verse 254: O you who believe! spend out of what We have given you before the day comes in which there is no bargaining, neither any friendship nor intercession, and the unbelievers-- they are the unjust. If you wish to not an Appeal :1. volunteers in getting the 1 million signatures by downloading the PDF , signing it, attaching the ID or passport photocopy and voters card photocopy.2. Telling a friend, enemy or someone to also download the PDF and to sign it, attaching a photocopy of ID / passport and voters card.3. Worship houses Volunteering to act as Collection centers of the documents.4. Volunteers in drafting the general suggestion to bills if the number of signatures are achieved.5. financing and etc