George Ototo ICUDE is the Managing Director of KUSCCO.
He heads a team of Nine Managers who assist him in the day to day running of the Organization.  Mr. Ototo also acts as the Secretary to the Board of Directors.
James Ole Nkiti is the Chief Operating Officer
George Owino is the Finance Manager of KUSCCO and handles financial strategy formulation and implementation, budgetary controls, procurement & financial reporting. He has worked in the organization for six years and oversees prudent management of the organization's finances.

Gladys Lusweti is the Human Resources and Administration Manager of KUSCCO: She is responsible for conducting, analyzing and guiding the Union on HR related initiatives to ensure that KUSCCO remains competitive, compliant and efficient in the labour market and maintains the best HR practices. In addition, the department drives productivity of the Union through capacity building programs.
Veronica Muchiri heads the Central Finance Fund department which is the KUSCCO’s inter-lending facility.  Since inception in 1989, the department continues to serve as a prudent and affordable alternative to mainstream financial providers for SACCOs

Kenneth Kimaiyo is the Internal Audit Manager of KUSCCO and is charged with the task of ensuring that all control systems are in place and working

Rachel Wafula heads the Risk Management Services Department.
The department provides member SACCOs with Loans Cover, Savings Cover, Spouse Cover, Committee Cover and a Funeral Rider.
Elijah Mulwa is the head of Education and Training Department. With his vast knowledge and experience in the co-operative movement.
Julius Odera is the head of KUSCCO Housing Ltd A subsidiary of KUSCCO Ltd.
In addition to financing house construction, outright purchase and renovation, the department has also undertaken controlled development with a pilot project in Kisumu which it intends to replicate in other parts of the country.
CS. Samson Kibii is the Head of Research and Consultancy Department. The Department offers a wide range of practical professional consultancy and advisory services tailored to assist SACCOs remain competitive in a dynamic financial environment.
Rose Ngaruiya is the Business Development & Marketing Manager.


George Magutu

(Provincial Chairman – Central Region)

  Benson Milai



David Ogega

(Provincial Chairman – Nyanza Region)



Alfred Mlolwa

(Provincial Chairman – Coast Region)


  Geoffrey Karuku


  Isaac Sheunda


Peter Karemanu


  David Mategwa


  Peter Manga



David Moyia

(Provincial Chairman – Western Region)


David Langat


John Munyaka


Phillip Rirei

John Sigei
Phoebe Nandwa


Our Objectives

Driven by our mission and guided by a vision to develop and represent micro, as well as macro savings and credit societies, our key objective as a Union is:

    To provide advocacy, lobby, advice and protect members against adverse legislation and/or restrictions;
    To act as the principal local and international representative and mouth-piece of all SACCOs in Kenya;
    To promote the organisation and development of viable SACCOs in Kenya;
    To help improve the internal management of savings and credit societies by providing a standardised management system for the SACCOs and the cooperative movement in Kenya;
    To promote a common code of ethics based on co-operative principles among SACCOs, their officials, employees and members.
    To promote among SACCOs, and their officials, employees and members a common code of ethics based on co-operative principles.

As a Union for Savings and Credit Cooperatives in Kenya, we are committed to professional and quality service aimed at growing and developing SACCOs and the cooperative movement in the country.

This is underscored by our vision “To be a world class national co-operative organization for SACCOs.”

SACCOs in Kenya need dedicated representation and to speak in one strong voice to advance their interests as businesses entities, as well as the welfare of their members. We are at the forefront in this regard and are guided by our mission – “Promotion of SACCOs through advocacy and provision of quality, diversified, innovative and market-driven products and services for sustainability.”

Core Values
Customer Focus
Team Work
Innovation and creativity

Our Role

We have specially tailored services and products designed to benefit our members and affiliates, who are drawn from the cooperative movement in Kenya.
Some of the products and services we offer SACCOs in Kenya include:

     Spokesmanship and Advocacy
     Promotion of SACCO Societies
     Risk Management Services
     Central Finance Fund
     Education and Training
     Research & Consultancy
     Corporate Affairs and Marketing
     KUSCCO Housing Fund
     Sacco Star Magazine

The SACCO Movement in Kenya

The SACCO movement in Kenya is billed as the largest in Africa and among the top 10 globally. The movement has mobilized domestic savings to the tune of about Kshs. 400 billion, accounting for 33% of the national savings and are major drivers of the economy. They have an asset base of over Kshs. 300 billion. SACCOs have thus become a vital component of Kenya’s economic and social development.

Challenges Facing Savings and Credit Cooperatives in Kenya

Despite the fundamental socio-economic role of SACCOs in Kenya, most of the savings and credit cooperatives are faced with a number of challenges, such as:
    Traditional Products
    Leadership and Governance Issues
    Information and Communications Technology
    Regulation and Supervision
    Developing Competitive Business Models
    Demand for Loans
    Non-Remittance of Fees by Members
We were registered in 1973 to address these problems and lobby relevant authorities and economic sectors to create a conducive environment in which SACCOs and their businesses can prosper.

The KUSCCO Structure
Our operations are run through 5 regional offices and 9 branches throughout Kenya. The regional offices are located in:

    Nairobi – Nairobi Region
    Kisumu – Western Region
    Nakuru – Rift Valley Region
    Mombasa – Coast Region
    Embu – Mt. Kenya Region
The branches are located in Eldoret, Kisii, Kakamega, Athi River, Nyeri, Meru, Thika, Kericho, Malindi, Kitengela and Bungoma

As a national organisation, our supreme authority is vested in the delegates who are drawn from all the regions in Kenya. Currently, we have 160 delegates drawn from all the counties in Kenya.



ISO 9001

KUSCCO has attained the highly coveted ISO 9001:2008 certification. The award represents KUSCCO’s commitment to the continuous improvement of service efficiency and effectiveness, customer satisfaction and superior performance in all business operations. This will also enable KUSCCO to compete effectively and to broaden its market outreach in the broader financial market.