This is the oldest program at KUSCCO having started in 1974.

Through the program, SACCO officials, staff and members are educated on governance issues, financial management, human resources, taxation, asset and liability management, among others.

This is the inter-lending facility for all SACCOs affiliated to KUSCCO Ltd and operates on the same principles as the SACCO Societies. It mobilizes funds within the SACCO Movement, extends the credit boundaries and accelerates the lending capacities of SACCOs.

The program also offers attractive interest rates on the deposits made. In an effort to empower the Youth, the Central Finance Fund through our Front Office activity; KUSCCO SASA Account partnered with Youth Enterprise Development Fund in the disbursement of funds to the youth, so as to enable them establish income generating activities.

The department has also partnered with USAID through Winrock International in growing the renewable energy sector, by financing purchase of clean and efficient cook stoves to SACCO members.

KUSCCO Risk Management Services provides SACCOs with a fund that gives them mutual protection against loan losses.

This enables them to co-operate horizontally and also spread their risks among fellow societies.

The programme covers loans to members, committee members’ risks, funeral expenses and member savings.

The KUSCCO Housing Fund founded in 1996 is arguably one of Kenya's affordable and highly patronized housing schemes.

The Union has disbursed around Kshs. 1.6 billion to individual SACCO members to buy land, purchase houses and for home construction. In an effort to steer the co-operative sector further towards satisfying the requirements of Vision 2030 on adequate housing, KUSCCO Housing Fund remains the principal financier of low cost housing.

In 2012, the fund built apartments in Milimani, Kisumu which were sold out. The fund is currently constructing 120 three bedroom maisonettes in Kitengela, standing on 1/8 of an acre, per unit. The homes are in a gated community, have detached servant quarters, swimming pool, individual land title deeds, 24 hour security and many more features.

Some of the consultancy services provided to our affiliates and include strategic/business planning, feasibility studies, training needs analysis, salary and benefits survey, job evaluation and development of job descriptions, organizational development and restructuring among others.

Front Office Service Activities were introduced to SACCOs in Kenya by KUSCCO and to date, the product has revolutionized the movement.