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.
Stima Sacco: Inside Kenya’s Largest Savings and Credit Cooperative
From its roots serving Kenya’s electricity workers, Stima Sacco has grown into the country’s largest deposit-taking savings and credit cooperative, with a multi-billion-shilling asset base and more than 220,000 members. This profile examines its history, finances, products and place in Kenya’s Sacco sector.
Mwalimu National Sacco: Africa's Largest Teacher Savings Cooperative
Mwalimu National Sacco is the largest deposit-taking Sacco in Kenya and Africa, serving teachers nationwide. This guide covers its membership, savings and loan products, dividend record, asset growth and the costly Spire Bank episode.
Unaitas Sacco: From Murang'a Tea Growers to One of Africa's Largest Saccos by Membership
Unaitas Sacco grew from a 1993 tea growers' society in Murang'a into one of Africa's largest saccos by membership, with over 493,000 members. This article traces its history, transformation, products, branch network and relevance to Kenyans at home and abroad.
Kenya National Police DT Sacco: Inside One of the Country's Largest Deposit-Taking Saccos
Kenya National Police DT Sacco has grown into one of the country's largest deposit-taking saccos, serving around 75,000 members. This article examines its history, savings and loan products, dividend record, governance and relevance to members at home and abroad.
Stima DT Sacco: Origins, Membership, Products, Loans, Dividend History and the Diaspora Pathway
A deep guide to Stima DT Sacco — founded in 1974 for Kenya Power employees, now one of Kenya's largest deposit-taking Saccos with strong dividends and a growing diaspora membership.
Mwalimu National Sacco: Kenya's Largest Sacco and Its Loan, Savings and Diaspora Products
Mwalimu National is the largest Sacco in Kenya and on the African continent by asset base, with roots in the teaching profession but a now-open common bond that includes civil servants, private-sector professionals and Kenyans in the diaspora.
NSSF Tier II Contributions in Kenya 2026: New Sh108,000 Upper Limit, Maximum Sh12,960 Deduction and What It Means for Workers and Diaspora
From 1 February 2026, the upper earnings limit for NSSF Tier II contributions rises to Sh108,000, lifting the maximum employee deduction to Sh6,480 a month and the combined employer-employee contribution to Sh12,960. This guide explains the calculation, the Year 4 schedule of the NSSF Act, 2013, and the implications for workers, employers and Kenyans abroad.
Pension Reform in Kenya: NSSF Changes, Occupational Schemes, and Planning for Retirement
Retirement security remains one of Kenya's most significant socioeconomic challenges, with the majority of workers facing the prospect of poverty in old age due to inadequate pension coverage, low con...