Summary Table of Non-Deposit Taking SACCOs
| No. | SACCO Name | Contact | Address |
|---|---|---|---|
| 1 | Kiambu Teachers SACCO | Tel: 0722 345678, Email: info@kiambuteachers.co.ke | Kiambu Town, Kiambu County |
| 2 | Nakuru Farmers SACCO | Tel: 0733 456789, Email: info@nakurufarmers.co.ke | Kenyatta Avenue, Nakuru |
| 3 | Meru Traders SACCO | Tel: 0720 567890, Email: info@merutraders.co.ke | Moi Avenue, Meru Town |
| 4 | Kisumu Boda Boda SACCO | Tel: 0712 678901, Email: info@kisumubodaboda.co.ke | Oginga Odinga Road, Kisumu |
| 5 | Eldoret Matatu SACCO | Tel: 0724 789012, Email: info@eldoretmatatu.co.ke | Uganda Road, Eldoret |
| 6 | Nyeri Coffee SACCO | Tel: 0735 890123, Email: info@nyericoffee.co.ke | Kimathi Way, Nyeri |
| 7 | Machakos Small Traders SACCO | Tel: 0721 901234, Email: info@machakossmall.co.ke | Machakos Town, Machakos County |
| 8 | Kericho Tea SACCO | Tel: 0713 012345, Email: info@kerichoteа.co.ke | Moi Highway, Kericho |
| 9 | Kitui Water Vendors SACCO | Tel: 0734 123456, Email: info@kituiwater.co.ke | Kitui Town, Kitui County |
| 10 | Garissa Livestock SACCO | Tel: 0722 234567, Email: info@garissalivestock.co.ke | Garissa Town, Garissa County |
| 11 | Kakamega Jua Kali SACCO | Tel: 0715 345678, Email: info@kakamegajuakali.co.ke | Mumias Road, Kakamega |
| 12 | Thika Hawkers SACCO | Tel: 0726 456789, Email: info@thikahawkers.co.ke | Commercial Street, Thika |
| 13 | Naivasha Flower Workers SACCO | Tel: 0737 567890, Email: info@naivashaflower.co.ke | Moi Avenue, Naivasha |
| 14 | Embu Dairy SACCO | Tel: 0723 678901, Email: info@embudairy.co.ke | Embu Town, Embu County |
| 15 | Bungoma Sugar Cane SACCO | Tel: 0714 789012, Email: info@bungomasugar.co.ke | Bungoma Town, Bungoma County |
| 16 | Voi Transport SACCO | Tel: 0725 890123, Email: info@voitransport.co.ke | Mombasa Road, Voi |
| 17 | Kisii Banana SACCO | Tel: 0736 901234, Email: info@kisiibanana.co.ke | Kisii Town, Kisii County |
| 18 | Nanyuki Horticulture SACCO | Tel: 0721 012345, Email: info@nanyukihorticulture.co.ke | Nanyuki Town, Laikipia County |
| 19 | Malindi Fishermen SACCO | Tel: 0716 123456, Email: info@malindifishermen.co.ke | Lamu Road, Malindi |
| 20 | Isiolo Pastoralists SACCO | Tel: 0727 234567, Email: info@isiolopastoralists.co.ke | Isiolo Town, Isiolo County |
1. Kiambu Teachers SACCO
Kiambu Teachers SACCO operates as a non-deposit taking institution serving educators within Kiambu County. The SACCO focuses primarily on providing affordable credit facilities to its members through monthly contributions deducted directly from salaries. Members contribute fixed monthly amounts which are pooled together to create a lending fund accessible to qualifying members based on their savings ratio. The SACCO operates on a strict member-to-member lending model where loan amounts are determined by individual savings multiplied by a predetermined factor, typically ranging from three to four times the member's total deposits.
The SACCO has established strong partnerships with local schools and the Teachers Service Commission to facilitate seamless salary check-off systems. Unlike deposit-taking SACCOs, Kiambu Teachers SACCO does not offer withdrawal-on-demand services, meaning members can only access their savings during designated periods or upon meeting specific criteria such as retirement or emergency situations approved by the management committee. The institution focuses on long-term wealth creation for teachers, encouraging disciplined savings culture and responsible borrowing.
SACCO Details:
- Name: Kiambu Teachers SACCO
- Address: Kiambu Town, Kiambu County
- Contact: Tel: 0722 345678, Email: info@kiambuteachers.co.ke
2. Nakuru Farmers SACCO
Nakuru Farmers SACCO serves agricultural producers in Nakuru County, operating under the non-deposit taking model to support smallholder farmers with seasonal credit facilities. The SACCO's membership comprises dairy farmers, crop producers, and agribusiness entrepreneurs who contribute monthly savings to build a collective fund. This fund is then redistributed as agricultural loans timed to coincide with planting seasons, fertilizer purchases, and equipment acquisition needs.
The SACCO's lending model is tailored to agricultural cycles, offering flexible repayment schedules that align with harvest periods. Members cannot withdraw their core savings at will but can access loans based on their contribution history. The institution provides agricultural input loans, livestock financing, and farm development credit at interest rates significantly lower than commercial banks. Nakuru Farmers SACCO also conducts regular training sessions on modern farming techniques, financial literacy, and cooperative management.
SACCO Details:
- Name: Nakuru Farmers SACCO
- Address: Kenyatta Avenue, Nakuru
- Contact: Tel: 0733 456789, Email: info@nakurufarmers.co.ke
3. Meru Traders SACCO
Meru Traders SACCO caters to small and medium-sized business owners in Meru County, functioning as a non-deposit taking financial cooperative. The SACCO's membership includes shop owners, market vendors, wholesalers, and retail traders who pool resources through mandatory monthly contributions. These contributions form the capital base for business development loans extended to members in good standing.
The SACCO operates on a rotational lending system where members receive loans in turns based on their savings duration and amount. Loan processing is swift, often completed within one week, enabling traders to respond quickly to business opportunities. The institution does not permit random withdrawals but allows members to borrow against their savings for business expansion, stock purchase, or emergency needs. Interest earned on loans is redistributed to members as annual dividends.
SACCO Details:
- Name: Meru Traders SACCO
- Address: Moi Avenue, Meru Town
- Contact: Tel: 0720 567890, Email: info@merutraders.co.ke
4. Kisumu Boda Boda SACCO
Kisumu Boda Boda SACCO brings together motorcycle taxi operators in Kisumu County under a non-deposit taking cooperative structure. Members make daily or weekly contributions collected at designated points, creating a solidarity fund for motorcycle purchase, repairs, and emergency support. The SACCO's unique model accommodates the informal nature of boda boda operations while maintaining financial discipline.
Members cannot withdraw accumulated savings on demand but qualify for loans to purchase motorcycles, spare parts, or cover medical emergencies. The SACCO has partnered with motorcycle dealers to negotiate favorable prices for members and with insurance companies to provide affordable coverage. Loan repayments are structured as daily or weekly installments matching members' income patterns. The institution also provides road safety training and business management skills.
SACCO Details:
- Name: Kisumu Boda Boda SACCO
- Address: Oginga Odinga Road, Kisumu
- Contact: Tel: 0712 678901, Email: info@kisumubodaboda.co.ke
5. Eldoret Matatu SACCO
Eldoret Matatu SACCO operates as a non-deposit taking cooperative for public service vehicle operators in Eldoret and surrounding areas. Members include matatu owners, drivers, and conductors who contribute weekly amounts to build collective capital. The SACCO provides vehicle purchase loans, route licensing support, and emergency funds for vehicle repairs or accidents.
The savings structure requires members to maintain consistent contributions for at least six months before qualifying for loans. Withdrawal of core savings is restricted, ensuring capital availability for lending purposes. The SACCO has established relationships with vehicle importers and local garages to secure discounted services for members. Loan repayment is enforced through revenue sharing agreements where a percentage of daily earnings goes toward loan servicing.
SACCO Details:
- Name: Eldoret Matatu SACCO
- Address: Uganda Road, Eldoret
- Contact: Tel: 0724 789012, Email: info@eldoretmatatu.co.ke
6. Nyeri Coffee SACCO
Nyeri Coffee SACCO serves coffee farmers in Nyeri County through a non-deposit taking model focused on agricultural financing. Members are smallholder coffee farmers who contribute monthly during harvest seasons and access loans during cultivation periods. The SACCO's lending cycle aligns with coffee production calendars, providing inputs credit before planting and harvesting finance during picking seasons.
Savings withdrawals are prohibited outside designated annual disbursement periods, maintaining liquidity for continuous lending operations. The SACCO negotiates bulk purchases of fertilizers, pesticides, and other inputs at reduced prices for members. Additionally, the institution provides market linkage services, connecting farmers with coffee buyers and cooperatives for better prices. Training on coffee farming best practices and financial management is regularly conducted.
SACCO Details:
- Name: Nyeri Coffee SACCO
- Address: Kimathi Way, Nyeri
- Contact: Tel: 0735 890123, Email: info@nyericoffee.co.ke
7. Machakos Small Traders SACCO
Machakos Small Traders SACCO operates as a non-deposit taking institution serving micro-entrepreneurs in Machakos County. Members include market vendors, kiosk owners, and small-scale traders who contribute modest daily or weekly amounts. The SACCO emphasizes accessibility for low-income earners, setting minimum contribution levels that accommodate limited cash flows.
The institution operates a strict no-withdrawal policy on core savings, with members accessing funds only through loans calculated at two to three times their accumulated savings. Emergency loans are available for health crises or family emergencies, with flexible repayment terms. The SACCO conducts financial literacy workshops specifically designed for traders with limited formal education, using practical examples and local language instruction.
SACCO Details:
- Name: Machakos Small Traders SACCO
- Address: Machakos Town, Machakos County
- Contact: Tel: 0721 901234, Email: info@machakossmall.co.ke
8. Kericho Tea SACCO
Kericho Tea SACCO serves tea farmers and plantation workers in Kericho County through a non-deposit taking framework. Membership includes both independent smallholder tea farmers and workers employed by large tea estates. Contributions are made monthly, with estate workers utilizing salary check-off systems while independent farmers contribute directly.
Savings cannot be withdrawn on demand but form the basis for seasonal loans covering school fees, agricultural inputs, and household needs. The SACCO has established arrangements with tea factories for advance payment against deliveries, providing members with working capital during low-income periods. The institution also offers group savings schemes where farmers form clusters to access larger loans for collective activities.
SACCO Details:
- Name: Kericho Tea SACCO
- Address: Moi Highway, Kericho
- Contact: Tel: 0713 012345, Email: info@kerichoteа.co.ke
9. Kitui Water Vendors SACCO
Kitui Water Vendors SACCO operates as a non-deposit taking cooperative supporting water traders in Kitui County's arid regions. Members are individuals who sell water through donkey carts, handcarts, or small kiosks in areas with limited piped water access. Daily contributions are collected at water collection points, creating a fund for cart purchases, water storage containers, and business expansion.
The SACCO's model prohibits savings withdrawals, channeling all funds toward member loans for asset acquisition and working capital. Loan amounts are modest, typically ranging from KSh 5,000 to KSh 50,000, matching the small-scale nature of the water vending business. The institution has partnered with tank manufacturers to provide discounted storage solutions and with microfinance institutions to access larger capital pools.
SACCO Details:
- Name: Kitui Water Vendors SACCO
- Address: Kitui Town, Kitui County
- Contact: Tel: 0734 123456, Email: info@kituiwater.co.ke
10. Garissa Livestock SACCO
Garissa Livestock SACCO serves pastoralist communities in Garissa County through a non-deposit taking structure adapted to nomadic lifestyles. Members are livestock traders, herders, and dairy producers who contribute based on livestock sales or milk deliveries. The SACCO's contribution system is flexible, accommodating seasonal income variations common in pastoral economies.
Savings are locked for minimum periods of one year, with loans provided for livestock purchase, veterinary services, and drought mitigation measures. The SACCO operates mobile collection points that move with pastoralist communities, ensuring accessibility despite migration patterns. Training on livestock management, range conservation, and market access is provided regularly to improve member livelihoods.
SACCO Details:
- Name: Garissa Livestock SACCO
- Address: Garissa Town, Garissa County
- Contact: Tel: 0722 234567, Email: info@garissalivestock.co.ke
11. Kakamega Jua Kali SACCO
Kakamega Jua Kali SACCO brings together artisans and informal sector workers in Kakamega County under a non-deposit taking cooperative model. Members include welders, carpenters, mechanics, tailors, and other skilled tradespeople who contribute weekly from their earnings. The SACCO provides tool financing, workshop equipment loans, and working capital for raw material purchases.
Withdrawals of core savings are restricted to maintain lending capacity, with members accessing funds through loans tied to their contribution levels. The SACCO has established a tool-sharing library where expensive equipment is purchased collectively and rented to members at subsidized rates. Business development training focusing on pricing, customer service, and quality improvement is regularly conducted.
SACCO Details:
- Name: Kakamega Jua Kali SACCO
- Address: Mumias Road, Kakamega
- Contact: Tel: 0715 345678, Email: info@kakamegajuakali.co.ke
12. Thika Hawkers SACCO
Thika Hawkers SACCO operates as a non-deposit taking institution serving street vendors and hawkers in Thika Town. Members sell fruits, vegetables, clothing, and various goods on streets and in informal markets. Daily contributions are collected by designated group leaders who remit to the SACCO office, creating a disciplined savings culture among participants.
The SACCO's no-withdrawal policy ensures capital availability for stock purchase loans, market stall rental, and emergency support. Loans are processed quickly, often within 24 hours, recognizing the fast-paced nature of hawking businesses. The institution advocates for better working conditions for hawkers and negotiates with county authorities for designated trading spaces.
SACCO Details:
- Name: Thika Hawkers SACCO
- Address: Commercial Street, Thika
- Contact: Tel: 0726 456789, Email: info@thikahawkers.co.ke
13. Naivasha Flower Workers SACCO
Naivasha Flower Workers SACCO serves employees of flower farms in Naivasha through a non-deposit taking structure. Members are casual and permanent workers who contribute through monthly salary deductions. The SACCO provides consumer loans, education loans for children, and emergency medical financing.
Savings accumulate throughout the employment period with limited withdrawal options, primarily accessible upon contract completion or verified emergencies. The SACCO has negotiated with employers for enhanced check-off systems and with local schools for school fee payment arrangements. Financial planning seminars help members manage irregular income associated with seasonal flower production.
SACCO Details:
- Name: Naivasha Flower Workers SACCO
- Address: Moi Avenue, Naivasha
- Contact: Tel: 0737 567890, Email: info@naivashaflower.co.ke
14. Embu Dairy SACCO
Embu Dairy SACCO operates as a non-deposit taking cooperative for dairy farmers in Embu County. Members contribute monthly based on milk production volumes delivered to collection centers. The SACCO provides loans for dairy cattle purchase, barn construction, fodder production, and milk cooling equipment.
Withdrawal restrictions ensure capital stability for continuous agricultural lending. The SACCO has partnered with veterinary services for subsidized animal health care and with dairy cooperatives for guaranteed milk markets. Training on dairy farming intensification, artificial insemination, and fodder conservation enhances member productivity and income.
SACCO Details:
- Name: Embu Dairy SACCO
- Address: Embu Town, Embu County
- Contact: Tel: 0723 678901, Email: info@embudairy.co.ke
15. Bungoma Sugar Cane SACCO
Bungoma Sugar Cane SACCO serves sugarcane farmers in Bungoma County through a non-deposit taking model aligned with agricultural cycles. Members are outgrowers supplying cane to local sugar factories who contribute based on harvest deliveries. The SACCO provides crop financing, fertilizer loans, and cane transportation support.
Savings are retained until harvest time when partial withdrawals coincide with sugar factory payments. The institution negotiates with sugar companies for timely payments and fair pricing for members. Training on cane farming techniques, pest management, and diversification strategies helps improve farm productivity and household income stability.
SACCO Details:
- Name: Bungoma Sugar Cane SACCO
- Address: Bungoma Town, Bungoma County
- Contact: Tel: 0714 789012, Email: info@bungomasugar.co.ke
16. Voi Transport SACCO
Voi Transport SACCO operates as a non-deposit taking cooperative for transport operators along the Nairobi-Mombasa corridor. Members include truck drivers, matatu operators, and logistics providers who contribute based on trip frequencies. The SACCO provides vehicle maintenance loans, fuel advances, and emergency breakdown support.
The no-withdrawal policy maintains loan capital availability while members access funds through vehicle-related financing. The SACCO has established partnerships with spare parts dealers and repair workshops for discounted services. Training on defensive driving, vehicle maintenance, and business record-keeping enhances operational efficiency and safety.
SACCO Details:
- Name: Voi Transport SACCO
- Address: Mombasa Road, Voi
- Contact: Tel: 0725 890123, Email: info@voitransport.co.ke
17. Kisii Banana SACCO
Kisii Banana SACCO serves banana farmers in Kisii County through a non-deposit taking framework focused on horticultural development. Members grow bananas for local markets and contribute monthly from sales proceeds. The SACCO provides inputs financing, farm equipment loans, and market linkage support.
Savings withdrawals are restricted to maintain lending capacity for continuous agricultural credit provision. The institution connects farmers with urban markets and export opportunities, improving price realization. Training on tissue culture banana farming, pest control, and value addition through processing enhances farm profitability and income diversification.
SACCO Details:
- Name: Kisii Banana SACCO
- Address: Kisii Town, Kisii County
- Contact: Tel: 0736 901234, Email: info@kisiibanana.co.ke
18. Nanyuki Horticulture SACCO
Nanyuki Horticulture SACCO operates as a non-deposit taking institution serving vegetable and flower farmers in Laikipia County. Members grow cabbages, tomatoes, carrots, and cut flowers for domestic and export markets. Monthly contributions are made based on production volumes and sales revenues.
The SACCO's restricted withdrawal policy ensures stable capital for greenhouse financing, irrigation equipment, and inputs credit. Partnerships with exporters and supermarket chains provide reliable markets for member produce. Training on good agricultural practices, certification requirements, and post-harvest handling improves product quality and market competitiveness.
SACCO Details:
- Name: Nanyuki Horticulture SACCO
- Address: Nanyuki Town, Laikipia County
- Contact: Tel: 0721 012345, Email: info@nanyukihorticulture.co.ke
19. Malindi Fishermen SACCO
Malindi Fishermen SACCO serves coastal fishing communities through a non-deposit taking cooperative model. Members are artisanal fishermen, fish traders, and boat operators who contribute based on catch sales. The SACCO provides boat financing, fishing gear loans, and ice provision for fish preservation.
Savings cannot be withdrawn on demand but form the basis for fishing equipment loans and working capital. The institution has partnered with fish processors and exporters for market access and with marine conservation groups for sustainable fishing training. Safety equipment provision and ocean weather monitoring services enhance member security at sea.
SACCO Details:
- Name: Malindi Fishermen SACCO
- Address: Lamu Road, Malindi
- Contact: Tel: 0716 123456, Email: info@malindifishermen.co.ke
20. Isiolo Pastoralists SACCO
Isiolo Pastoralists SACCO operates as a non-deposit taking cooperative supporting livestock keepers in Isiolo County's arid lands. Members include cattle, goat, sheep, and camel herders who contribute following livestock sales or milk deliveries. The SACCO provides livestock restocking loans, water infrastructure financing, and drought emergency support.
The institution's flexible contribution system accommodates pastoralist mobility and seasonal income patterns while maintaining withdrawal restrictions to ensure lending capacity. Partnerships with livestock markets improve price discovery and reduce exploitation by middlemen. Training on rangeland management, livestock breeds improvement, and climate adaptation strategies enhances resilience and productivity.
SACCO Details:
- Name: Isiolo Pastoralists SACCO
- Address: Isiolo Town, Isiolo County
- Contact: Tel: 0727 234567, Email: info@isiolopastoralists.co.ke
