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We play a representative role as the support pillar to SACCOs in Kenya by addressing the needs, concerns and challenges facing SACCOs in Kenya in regard to legal matters and business requirements.
Our Field Services and Advocacy Department is the mouthpiece and lobby organ for the savings and credit societies in Kenya, through which we stand by SACCOs, whenever they are confronted with difficult situations – legal, business, labour relations or otherwise.
This department will continue speaking and acting on behalf of SACCOs to protect, defend and uphold their rights as business entities and stakeholders in the socio-economic development of Kenya; with a need to operate in a conducive and fair business environment.
Key areas of concern under our mandate are:
1. Punitive legislative instruments and provisions;
2. Unfair taxation;
3. Deduction codes;
4. Single business permit fees;
5. Delayed or non remittance of SACCO dues;
6. Bank agency contracts;
7. Unfair competition by other financial institutions in the market;
8. Unjustified levies on SACCOs' and members' funds.

Education & Training Department

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.

SACCO Star Magazine is published under this department quarterly as an important tool to create awareness on SACCOs and to disseminate information on the cooperative movement in general. The magazine is also instrumental in informing SACCOs and our partners on new developments in the sector, a role that further complements that played by Advocacy.

KUSCCO Housing Fund

You can now apply online for KUSCCO Housing Fund Membership
Its fast and easy!

Education & Training Calendar 2019

Education & Training Calendar. Download a copy

Draft Financial Services Bill, 2016

Draft Financial Services Bill, 2016. Download a Copy

EAC Cooperative Societies Bill 2014

EAC Cooperative Societies Bill 2014. Download a Copy

Our Partners

ISO 9001


We commit to consistently promote SACCOs through advocacy and provision of quality technical and financial products that exceed the members’ expectations.
We shall comply with the statutory requirements and actively pursue continuous improvement of the ISO 9001:2015 Quality Management System (QMS) processes, capabilities and effectiveness.
In pursuit of our commitment we shall ensure that the quality policy and objectives that have been established and communicated to the Union employees shall be reviewed annually in accordance with the stipulated framework and quality standards.”