Harambee Sacco Membership Guide

Harambee Sacco: A Legacy of Financial Empowerment Since 1970

Founded in 1970 by employees of the Office of the President, Harambee Sacco began as a simple merry-go-round initiative to cultivate savings and provide short-term loans. Today, it stands among Kenya’s largest deposit-taking Saccos with an impressive KSh 37.01 billion asset base, offering comprehensive financial solutions to diverse members.

Membership Eligibility

Harambee Sacco welcomes Kenyan citizens across various categories:

1. Check-Off Members

Government employees
Staff of reputable institutions
Harambee Sacco employees

2. Non Check-Off Members

Retired members continuing membership (“Wafanisi”)
Formally employed individuals
Diaspora members with legal income
Spouses/children of existing members (with regular income)

3. Groups & Organizations

Registered chamas, CBOs, and NGOs

4. Business Entities

Sole proprietorships
Partnerships
Registered companies

Membership Requirements

Prospective members must:

Complete application form (available online or at FOSA branches)
Submit supporting documents:
- National ID copy
- Passport photo
- KRA PIN certificate
Pay membership fees:
- KSh 1,000 registration fee
- KSh 30,000 share capital (installments allowed)
- KSh 300 monthly sink fund contribution