Member-owned since 2010

Save Together. Grow Together.

Mutheki Sacco has helped members in Kahawa Wendani and Githurai 45 save and borrow since 2010.

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Registered 13 December 2012 · A savings and credit cooperative owned by its members

2010founded as a welfare group of 15 members
13 December 2012registered as a Sacco
2 areasKahawa Wendani & Githurai 45, Nairobi

Who we are

A welfare group that grew into a Sacco

Mutheki began in 2010 as a welfare group of fifteen members drawn from Kahawa Wendani and Githurai 45, mobilising funds so members could support one another in times of need.

As members and savings grew, the members resolved to register as a Savings and Credit Cooperative Society. Mutheki Sacco Society Ltd was registered on 13 December 2012 — and has been member-owned ever since.

Read our story
  1. 2010

    A welfare group of 15 members

    Mutheki begins in Kahawa Wendani and Githurai 45 as a welfare group of 15 members, mobilising funds so members could support one another in times of need.

  2. 2010 – 2012

    Steady growth

    The group grows in members and savings. At an annual meeting, the members resolve to register as a Savings and Credit Cooperative Society and elect the founding officials.

  3. 13 December 2012

    Registered as a Sacco

    Mutheki Sacco Society Ltd is registered under the then Ministry of Cooperative Development and Marketing and issued a registration certificate.

  4. Next

    FOSA registration

    The next milestone is to qualify for front office service activities (FOSA), once the Sacco meets the minimum requirements. No dates are promised.

What members get

Savings and loans, built for members

Mutheki Sacco offers savings and credit services to its members. Details below are indicative — the committee confirms current terms.

Savings

Member Savings

Regular monthly contributions that build your deposits and your borrowing power inside the Sacco.

Ask about savings

Membership

Share Capital

Your ownership stake in the Sacco. Share capital is what makes every member a part-owner.

Ask about shares

Loan

Development Loan

For bigger plans — building, land, a major project or a large investment that needs time to repay.

Ask about this loan

Loan

Emergency Loan

Short-term help for sudden needs — a hospital bill, a funeral, an urgent repair that cannot wait.

Ask about this loan

Loan

School Fees Loan

Keep children in school when fees fall due — timed around the school calendar.

Ask about this loan

Loan

Business Loan

Working capital or stock for a member's business, sized to what the member can repay.

Ask about this loan

Welfare

Member Welfare Support

The spirit the Sacco began with: members standing with each other in times of need.

Ask about welfare

Community

Member Education & Meetings

Annual general meetings, member education days and investment meetings where members learn and decide.

See notices

See all services

Becoming a member

Join in four steps

  1. Get the membership form

    Download it from the Downloads page once uploaded, collect one at the office, or ask us to send it on WhatsApp.

  2. Attach your documents

    A copy of your national ID and passport photos. Bring the original ID when you visit — never send your ID number through this website.

  3. Pay entrance fee and shares

    Pay the entrance fee, buy your share capital and make your first monthly deposit. The current amounts are set by the bylaws — ask us for the figures.

  4. Attend orientation

    Meet the committee, learn how savings, loans and meetings work, and get your member number.

Start your application

Led by members

Governed by the people who save in it

Mutheki Sacco is governed by members, through officials elected at general meetings. The names of current office bearers will be published here once supplied by the committee.

  • Democratic member control — one member, one vote
  • Officials elected at general meetings
  • Open reporting to members at the AGM
Meet the structure
Board of DirectorsSets direction and policy, and is answerable to the members at general meetings.
Supervisory CommitteeChecks the Sacco's books and controls on behalf of members, independent of the board.
Credit CommitteeReviews loan applications and recommends approvals in line with the credit policy.
ManagementRuns day-to-day operations — member records, receipts, statements and the office.

Stay informed

News & notices

All notices
Announcements Welcome to the new Mutheki Sacco website Community How Mutheki Sacco began: 15 members, one promise AGM Notice of Annual General Meeting (sample entry)

“When my daughter was joining secondary school, the fees loan meant she did not miss a single day of term one.”

Sample member — Kahawa Wendani

“I joined for the savings discipline. Staying for how the committee explains every decision at the AGM.”

Sample member — Githurai 45

Common questions

Before you ask

Who can join Mutheki Sacco?
The Sacco grew out of Kahawa Wendani and Githurai 45, and those remain its home areas. Whether membership is open beyond them is set by the bylaws — ask the office or send us a message on WhatsApp and we will confirm for your situation.
How much does it cost to join?
Joining involves an entrance fee, buying share capital, and starting your monthly savings. The exact amounts are set by the bylaws — send us the joining form or message us on WhatsApp for the current figures.
What documents do I need to join?
Typically a completed membership form, a copy of your national ID and passport photos. Bring the originals when you visit the office. Please do not send your ID number through website forms or email.
How do Sacco loans work?
Members save regularly, then borrow against their savings record. Most loans need guarantors — other members who stand with you. The credit committee approves each application under the Sacco's credit policy.
Read all FAQs

Ready to start saving with Mutheki?

Fill in the joining form online, or message us on WhatsApp — we will walk you through it.

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