Overview
Established in 1991 as Kericho Tea Growers Sacco, Kenya Highlands Sacco Society has grown into one of Kenya’s leading deposit-taking Savings and Credit Co-operative Societies. Rebranded to reflect its broader mission, the Sacco now serves a diverse membership with an asset base exceeding KES 3.95 billion. Headquartered at Temiik House on Kericho-Kisumu Road in Kapsoit Market Centre, Kenya Highlands Sacco provides tailored financial solutions to support farmers, salaried individuals, and businesses.
Financial Products
Kenya Highlands Sacco offers a range of Front Office Service Activity (FOSA) and Back Office Service Activity (BOSA) loans to meet members’ diverse needs, particularly in agriculture and personal finance.
FOSA Loans
- Bonus Advance: Quick funds tied to member bonuses
- Salary Advance: Short-term credit for salaried members
- Special Crop/Salary Advance: For crop farmers or salaried employees
- Crop Advance: Financing for agricultural production
- Boaster Loan: Flexible loan for various needs
- Msingi Loan: Foundational financing for personal or business growth
- Fanikisha/Jipange Crop Loan: For strategic crop planning
- Inua Biashara Advance: To boost business operations
- E-Credit/M-Pepe Advance: Digital, instant credit access
- Special Cane Loan: For sugarcane farmers
- Special Farm Produce Advance: For diverse farm outputs
- Salary Loan: General-purpose loan for salaried members
- Farm Produce Advance: For agricultural produce payments
- Maziwa Advance: For dairy farmers
- Dividend Advance: Based on member dividends
- Maisha Bora Bima Loan: For insurance premium financing
BOSA Loans
- Normal/Development Loan: For long-term personal or business projects
- Salary Development Loan: For salaried members’ growth initiatives
- Normal Salary Loan: Standard loan for salaried individuals
- School Fees Loan: To cover educational expenses
- Msingi Loan: Core financing for foundational needs
- Boresha Loan: For improvement projects
- Micro Credit Loan: For small-scale financial needs
- Asset Finance Loan: For purchasing assets like equipment or vehicles
Branch Network and Contacts
Kenya Highlands Sacco operates four branches to serve its members across key regions:
- Head Office
Location: Temiik House, Kericho-Kisumu Road, Kapsoit Market Centre
Phone: 020-2336640, 0777 773 980, 0719 471 633
Email: [email protected] - Kabianga Branch
Contact: +254 773 773977 - Litein Branch
Contacts: 0777 773 980, 0719 471 633 - Silibwet Branch
Location: Silibwet Market, along Silibwet-Bomet Road
Contacts: 0777 773 980, 0719 471 633
READ MORE: Tai Sacco: Eligibility, Requirements, and Membership Benefits
