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Our Role

We have specially tailored services and products designed to benefit our members and affiliates, who are drawn from the cooperative movement in Kenya.
Some of the products and services we offer SACCOs in Kenya include:

     Spokesmanship and Advocacy
     Promotion of SACCO Societies
     Risk Management Services
     Central Finance Fund
     Education and Training
     Research & Consultancy
     Corporate Affairs and Marketing
     KUSCCO Housing Fund
     Sacco Star Magazine

The SACCO Movement in Kenya

The SACCO movement in Kenya is billed as the largest in Africa and among the top 10 globally. The movement has mobilized domestic savings to the tune of about Kshs. 400 billion, accounting for 33% of the national savings and are major drivers of the economy. They have an asset base of over Kshs. 300 billion. SACCOs have thus become a vital component of Kenya’s economic and social development.

Challenges Facing Savings and Credit Cooperatives in Kenya

Despite the fundamental socio-economic role of SACCOs in Kenya, most of the savings and credit cooperatives are faced with a number of challenges, such as:
    Traditional Products
    Leadership and Governance Issues
    Information and Communications Technology
    Regulation and Supervision
    Developing Competitive Business Models
    Demand for Loans
    Non-Remittance of Fees by Members
We were registered in 1973 to address these problems and lobby relevant authorities and economic sectors to create a conducive environment in which SACCOs and their businesses can prosper.

The KUSCCO Structure
Our operations are run through 5 regional offices and 9 branches throughout Kenya. The regional offices are located in:

    Nairobi – Nairobi Region
    Kisumu – Western Region
    Nakuru – Rift Valley Region
    Mombasa – Coast Region
    Embu – Mt. Kenya Region
The branches are located in Eldoret, Kisii, Kakamega, Athi River, Nyeri, Meru, Thika, Kericho, Malindi, Kitengela and Bungoma

As a national organisation, our supreme authority is vested in the delegates who are drawn from all the regions in Kenya. Currently, we have 160 delegates drawn from all the counties in Kenya.



ISO 9001


We commit to consistently promote SACCOs through advocacy and provision of quality technical and financial products that exceed the members’ expectations.
We shall comply with the statutory requirements and actively pursue continuous improvement of the ISO 9001:2015 Quality Management System (QMS) processes, capabilities and effectiveness

© 2023 Kenya Union of Savings & Credit Co-operatives Ltd. All Rights Reserved.