Our Story & Values
A member-owned journey built on self-help, trust and practical financial empowerment.
From Pamiko Self Help Group to Ghala SACCO
The institution grew from the Pamiko Self Help Group and progressed into a formal SACCO to create a stronger, more structured platform for savings, credit and collective financial growth.
Ndhiwa Ghala SACCO was registered on 31 January 2017 under Cap 490, Section 6(3). Its foundation reflects a commitment to organized member savings, access to affordable credit and community-driven economic development.
The SACCO's member-centered model is designed to encourage disciplined saving while providing practical financing for household needs, agriculture, education and micro-business.
Integrity
Doing what is right and protecting member trust.
Honesty
Open, truthful and dependable relationships.
Equality
Fair treatment and inclusive participation.
Transparency
Clear processes and responsible communication.
Self-Help
Collective action that strengthens members.
Professionalism
Competent, respectful and accountable service.
Board Directors
The official SACCO profile should be used here to populate the complete Board Directors list. The names were not included in the information supplied for this build, so no names have been invented.