*3. Why have I not received my dividends?* The likely reasons are: * Your account is dormant and/or * You did not make any contribution between January 2024 and December 2024 * You joined the Sacco in 2025 * You are a defaulter of a loan which may include Flash Advance Loan. * Probably you have been paid but you have just not received the message, check your FOSA balance.