Dhabiti Sacco: Branch Network, Products, and Membership Guide

About Dhabiti Sacco

Dhabiti Sacco is a fully licensed deposit-taking institution regulated by the Sacco Societies Regulatory Authority (License No. SS/0096/16). Operating within strict prudential guidelines, the Sacco provides secure savings solutions and affordable credit facilities to its members across Kenya.

Membership Requirements

To join Dhabiti Sacco, applicants must:

Pay a one-time entrance fee of Kshs 500
Purchase membership shares worth Kshs 1,000
Maintain an active savings account

Financial Products and Services

Savings Accounts

Regular Savings Account
- No minimum opening balance for salaried members
- Maintain Kshs 500 operating balance
- Access to global ATM services via Visa network
- Eligible for loan facilities
Jaza Jaza Account
- Start saving with just Kshs 50
- Minimum balance of Kshs 100
- Attractive bi-annual returns
- Free financial advisory services
Toto Dhabiti (Children’s Account)
- No opening fees
- Encourages weekly savings habits
- School fee cheque processing
- Competitive annual dividends
School Fees Account
- Minimum deposit of Kshs 500
- School fee cheque services
- Helps parents plan for education expenses
Fixed Deposit Account
- Invest from Kshs 10,000 upwards
- Flexible terms: 3, 6, 9, or 12+ months
- Higher interest earnings
Business Account
- Designed for entrepreneurs
- Minimum operating balance of Kshs 1,000
- Business growth support

Loan Products

Salary Advance
- 1-9 month repayment terms
- No guarantors required
- Instant approval for amounts under Kshs 50,000
Agricultural Loans
- Crop advance for farmers
- Based on production records
Business Financing
- Biashara Plus Loan (up to 60 months)
- Group loans for registered organizations
- Personal loans (72-month terms)
Asset Financing
- Water tank purchases
- Medical emergency funding
- Motorcycle (Pikipiki) loans