Afya Sacco Kenya: Guide to Branches, Products & Membership

Afya Sacco: Financial Solutions for Kenya’s Healthcare Community

Established in 1971, Afya Sacco has grown to become Kenya’s 5th largest deposit-taking SACCO, with an impressive KSh 20.94 billion asset base. Primarily serving healthcare professionals, the SACCO currently supports over 38,000 members nationwide through specialized financial products and services.

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Afya Sacco Branch Network

Head Office

• Location: Afya Centre, 5th Floor, Tom Mboya Street, Nairobi
• Contacts: +254 20 2223959, +254 2223970
• Email: [email protected]

Hospital-Based Branches

1. KNH Branch – Kenyatta National Hospital (2738461)
2. MTRH Eldoret – Moi Teaching & Referral Hospital (053-2031221)
3. Coast General – Mombasa (041-2312241)
4. Kisumu County – Referral Hospital (0572020712)
5. Nakuru Level 6 – County Hospital (051-2216902)

(Complete branch list with contacts follows same format)

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Savings Products

1. Group Savings Account

• For: Registered groups (chamas, CBOs)
• Requirements:
  • Group registration documents
  • KSh 3,000 opening balance
  • KSh 2,000 membership fee

2. Personal Savings

• Minimum: KSh 1,000 opening balance
• Benefits: Competitive interest rates

3. Amsha Savings (Medical Professionals)

• Features:
  • KSh 5,000 minimum opening
  • Visa-enabled ATM card
  • Free internal transfers

Specialty Accounts

• Ukulima/Biashara – Agricultural financing
• Sharia Compliant – Interest-free banking
• Education Account – School fees management

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Loan Products

A. Medical Sector Financing

Amsha-Huduma Loan

• For: Clinics, diagnostic centers, pharmacies
• Coverage:
  • Medical equipment (80% financing)
  • Clinic construction
  • Working capital

Requirements:

• 2 years business operation
• Valid practice certificate
• 20% personal contribution

B. General Loans

1. Business Loans (KSh 100K-5M)
   • Flexible security options
   • 1-week processing
2. Elimu Loan
   • Direct tuition payment
   • Salary check-off repayment
3. Asset Financing
   • Equipment/vehicle purchases
   • 4-month savings history required

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FOSA Banking Services

• Salary processing
• Fixed deposits
• Electronic funds transfer
• Safe custody services
• Sacco Link VISA ATMs
• Mobile banking (M-Sacco)

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Why Choose Afya Sacco?

✅ Sector-specific expertise in healthcare financing
✅ Nationwide presence through hospital branches
✅ Competitive loan products with flexible terms
✅ Secure savings options with attractive returns

Healthcare professionals can join by visiting any branch with:

• National ID
• KRA PIN
• Relevant practice certificates (for medical loans)

For more information:
📞 Customer Care: +254 20 2223959
🌐 Website: www.afyasacco.com

READ MORE: Harambee Sacco Membership Guide