Ndhiwaghala SACCO helps individuals, traders and groups in Kakamega and beyond build real savings and access fair, transparent credit — backed by two decades of prudent, member-first management.
Ndhiwaghala SACCO was formed by a small group of local traders and salaried workers who wanted a safer, fairer way to save and borrow. Today, that same founding discipline — prudent lending, transparent reporting and full regulatory compliance — governs every decision we make.
We are supervised by the SACCO Societies Regulatory Authority (SASRA), audited annually by an independent external auditor, and governed by a board elected directly by our members at every Annual General Meeting.
Every product is designed for a specific member need — from everyday saving discipline to financing a business opportunity or covering an emergency. Rates shown are indicative annual rates.
The foundation account for every member — flexible deposits, annual dividends, and the base for loan eligibility.
Lock in savings for 6–24 months for a guaranteed, higher return — ideal for planned goals like school fees or land purchase.
For school fees, medical bills, or personal projects — up to 3x your total savings, repayable over 6–48 months.
Working capital or expansion financing for member-owned businesses, with repayment terms matched to your cash flow.
Fast-tracked, smaller-value credit for urgent needs, disbursed within 48 hours of approval for eligible members.
Enter a loan amount and repayment period to estimate your monthly installment. Adjust the interest rate to match the product you're considering — figures update as you type.
Estimate only, based on a reducing-balance method. Final terms depend on your loan assessment and product selected.
Tell us a little about yourself below and a membership officer will reach out within one business day to guide you through registration and your first deposit.