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Women smallholder farmers working in a field in Kenya
Ukulima Saccosacco Kenyadeposit-taking saccoSASRAcooperative societiessavings and creditsacco loanschamadiaspora investmentMinistry of Agriculture

Ukulima Sacco: From Ministry of Agriculture Staff Society to a National Cooperative Open to All Kenyans

Founded in 1972 by Ministry of Agriculture employees, Ukulima Sacco has opened its common bond to all Kenyans, including chamas and the diaspora. This guide explains its history, savings and loan products, membership requirements and how the sacco fits into Kenya's regulated cooperative sector.

Jul 02, 2026 6 min read
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