The dominant Catholic Church-affiliated SACCO in Kenya is Waumini Sacco, which serves members across all 26 Catholic dioceses. I also found CADON Sacco (Catholic Diocese of Ngong Sacco), Verona Huruma Sacco (a Christian/faith-based SACCO), and KCCS (Koinonia Christian Credit Sacco). However, I need to note that detailed contact information for multiple Catholic diocese-specific SACCOs is limited. Let me create the article with the information available:
Catholic Church & Members SACCOs in Kenya
Summary Table of SACCOs
| No. | SACCO Name | Contact | Address |
|---|---|---|---|
| 1 | Waumini Sacco Society Limited | 0709 052 000, info@wauminisacco.com | Applewood Adams Building, 2nd Floor, Ngong Road, P.O. Box 66121-00800, Nairobi |
| 2 | CADON Sacco Society Ltd | Contact via website: ngongwelfarefund.co.ke | Catholic Diocese of Ngong, P.O. Box 24801, 00502 Karen, Kenya |
| 3 | Verona Huruma Sacco | 0727 411 269 | Caxton House, Standard Street, P.O. Box 47714-00100, Nairobi |
| 4 | Koinonia Christian Credit Sacco (KCCS) | Contact via website: koinoniasacco.com | HighWay Mall 3rd Floor Room 10, Moi Avenue, Nairobi |
Savings and Credit Cooperative Societies serving Catholic Church institutions and members have become vital financial pillars within Kenya's cooperative movement. These SACCOs provide Catholic faithful, church employees, and affiliated institutions with accessible financial services while promoting economic empowerment grounded in Christian values and principles of social justice.
Waumini Sacco Society Limited
Waumini Sacco stands as the premier financial cooperative serving the Catholic Church community in Kenya. Registered in 1980 under the Cooperative Societies Act, the institution has evolved into one of the country's leading deposit-taking SACCOs with an asset base exceeding Kshs 6.34 billion. The SACCO draws membership from Catholic institutions across all 26 Catholic Dioceses in Kenya, including Catholic Church faithful, employees of Catholic-based organizations, and past employees of Catholic institutions known as "Mzalendo." With over 33,000 members, Waumini Sacco has established itself as a progressive financial institution dedicated to mobilizing savings and extending credit to empower members economically and socially.
The SACCO introduced Front Office Service Activity (FOSA) in March 2009 to meet members' banking needs, providing comprehensive banking services beyond traditional SACCO operations. Today, Waumini operates four FOSA banking branches strategically located in Nairobi (Head Office at Applewood Adams and Westlands branch), Nakuru, and Kisii, along with liaison offices in Ongata Rongai, Mombasa, and Meru. This network ensures accessibility to members across different regions of Kenya.
Waumini Sacco offers diverse financial products including Back Office Service Activity (BOSA) loan products, FOSA products for daily banking transactions, development loans for building and construction, emergency loans, school fees loans, and asset financing. Members can access loans up to five times their savings with competitive interest rates averaging one percent per month on a reducing balance basis. The SACCO also provides mobile banking services through the M-Sacco platform by dialing *346#, enabling members to conduct transactions, check balances, repay loans, and access mini-statements from the convenience of their mobile phones.
Membership requirements include an introduction letter from the employing Catholic institution or a form duly signed by the parish priest for Catholic faithful. New members pay a registration fee of Kshs 500 and commit to share capital of Kshs 15,000, which can be paid in monthly installments of Kshs 500. Members must maintain a minimum monthly deposit contribution of Kshs 500 and a monthly Insurance Risk Fund contribution of Kshs 50. The share capital, while non-refundable, earns dividends and is transferable upon withdrawal of membership.
SACCO Name: Waumini Sacco Society Limited Address: Applewood Adams Building, 2nd Floor, Opposite Green House, Ngong Road, Nairobi Postal Address: P.O. Box 66121-00800, Westlands, Nairobi Phone: 0709 052 000, 0728 606 059, 0734 666 226 Email: info@wauminisacco.com Website: www.wauminisacco.com
CADON Sacco Society Limited
Catholic Diocese of Ngong Sacco, known as CADON Sacco Society Ltd, emerged from the Ngong Catholic Parish Members Welfare Fund and was registered on April 19, 2019, under registration number CS/23989. This Christian and community value-based savings and credit institution operates guided by ethical values rooted in Catholic social teachings. CADON Sacco promotes financial inclusion through the Village Saving and Credit program, aiming to improve the economic and social livelihood of members within the Catholic Diocese of Ngong.
The Diocese of Ngong, established in 1959 as a prefecture and attaining diocesan status in 1976, covers the counties of Kajiado and Narok in southern Kenya, spanning approximately 39,619 square kilometers. The diocese serves a Catholic population of over 356,000 faithful distributed across 41 parishes clustered in seven deaneries: Kilgoris, Ololulunga, Narok, Ngong, Kiserian, Kajiado, and Oloitokitok. CADON Sacco serves this expansive Catholic community by mobilizing resources and offering affordable credit for socio-economic empowerment.
The SACCO's mission centers on improving members' lives through prudent savings culture cultivation and the provision of accessible financial services. Members participate actively in the SACCO's governance by attending Annual General Meetings and submitting initiatives for service improvement. CADON Sacco performs functions designated for Savings and Credit Cooperative Societies under applicable Kenyan law, focusing specifically on meeting the financial needs of Catholic faithful within the Ngong Diocese.
SACCO Name: CADON Sacco Society Ltd (Catholic Diocese of Ngong Sacco) Address: Catholic Diocese of Ngong, Karen Postal Address: P.O. Box 24801, 00502 Karen, Kenya Registration Number: CS/23989 Website: ngongwelfarefund.co.ke
Verona Huruma Sacco
While not exclusively Catholic, Verona Huruma Sacco represents a significant faith-based financial institution serving Christian members in Kenya since 1994. As a Christian SACCO, it shares values aligned with Catholic social teachings and serves many Catholic faithful alongside other Christian denominations. With over 23,000 members and more than 30 years of operational experience, Verona Huruma Sacco has established itself among Kenya's leading faith-based financial cooperatives.
The SACCO operates as a non-deposit-taking institution focused on nurturing socio-economic wellbeing and growth within Christian communities. Verona Huruma offers comprehensive financial products including competitive savings accounts, loan products with favorable interest rates, investment opportunities, and mobile banking services. The institution caters to diverse membership categories including individuals aged 18 and above, junior members, corporate groups, and joint members.
Verona Huruma Sacco maintains two operational branches in Nairobi. The main office is located at Caxton House on Standard Street, opposite Bruce House, while the second branch operates from Bonisusa House, next to KCB Bank and opposite the AP Training College. The SACCO's loan products include Jipange Loan, Nawiri Loan, Elimu Bora Loan for education financing, Mazao Loan based on dividends, and various development loans. Members benefit from flexible repayment terms, refinancing options, and interest rates ranging from 0.83 percent to 1.08 percent per month on reducing balance depending on the loan product.
The SACCO emphasizes Christian values in all operations, creating a community atmosphere where members share faith-based financial goals. This approach has enabled Verona Huruma to build strong member loyalty and maintain impressive growth trajectories, earning recognition among Kenya's top ten investment SACCOs.
SACCO Name: Verona Huruma Sacco Address: Caxton House, Standard Street, opposite Bruce House, Nairobi Secondary Branch: Bonisusa House, next to KCB Bank, Opposite AP Training College Postal Address: P.O. Box 47714-00100, Nairobi Phone: 0727 411 269 (Main Office), 0719 577 339 (Secondary Branch) Website: veronahurumasacco.co.ke
Koinonia Christian Credit Sacco (KCCS)
Koinonia Christian Credit Sacco represents another faith-based financial institution serving Christian believers in Kenya, including Catholic faithful who align with its Christian values and mission. KCCS positions itself as more than a financial institution, describing itself as a ministry partner that integrates faith with finance. The SACCO's vision focuses on fostering unity and prosperity among believers by delivering accessible savings and credit services tailored to personal and spiritual goals.
Located at HighWay Mall on Moi Avenue in Nairobi, KCCS provides development loans, savings products, and various financial services designed specifically for Christian members. The SACCO distinguishes itself through its commitment to praying with members during loan applications and genuinely caring about members' visions and initiatives. This faith-centered approach resonates with members seeking financial services aligned with Christian principles.
KCCS offers loans with minimal interest rates to support believers' initiatives including house construction, church renovation, community outreach expansion, and business development. Loan terms are flexible and designed to accommodate members' financial capabilities while maintaining the SACCO's sustainability. The membership application process involves submitting applications online through the website or physically at branches or partner churches, followed by account activation through initial savings and share capital deposits via bank transfer or M-Pesa.
SACCO Name: Koinonia Christian Credit Sacco (KCCS) Address: HighWay Mall, 3rd Floor, Room 10, Moi Avenue, Nairobi Website: koinoniasacco.com
The Catholic Church and members' SACCOs in Kenya demonstrate the powerful intersection of faith and finance, providing Catholic faithful and Christian believers with financial services grounded in values of solidarity, social justice, and community development. These institutions play crucial roles in economic empowerment while maintaining the ethical foundations central to Catholic social teaching. Through accessible savings mobilization and responsible credit extension, these SACCOs continue transforming lives across Kenya's Catholic dioceses and Christian communities, creating sustainable pathways to financial independence and dignity for their members.
