• We love every person that comes to us for help. Our members love each other no matter what they look like or whatever their physical condition and we demonstrate this constantly by hugging each other and by sharing each other’s joys and tribulations.
  
  
• We believe in self-discipline and stress that we can only help a member to get out of poverty if she first learns how to help herself.  We provide the ladder she can use to climb out of poverty, but the climbing she has to do herself.
  
  
• We encourage a savings culture among our members. Members can borrow twice as much as they have saved and in case of death our Health Benefits will provide the next of kin twice the members savings.
  
  
• We respect that our members have different needs at different times. We have therefore made it a core value to be flexible and to respond to members needs immediately. We review loans in 24 hours and members can borrow any time they need to borrow.
  
  
• We began with nothing, except street mothers with a desire to get out of poverty.  These mothers became our most important recruiters of new members and continue to form the core of our organisation.
  
  
• We employ all our staff from families who are already our members.  Our staff  are members themselves and they are burning with enthusiasm and determination to bring more members out of poverty.
  
  
• In Jamii Bora we have no clients or customers - everybody is a member.
  
  
• The most important lesson we have learnt is that once a poor mother understands and believes that it is possible to get out of poverty there is nothing that will stop her from achieving that dream.