Chairman's Address

Chairman's Address

It is my pleasure to welcome you to Ndhiwa Ghala SACCO, an institution whose journey began with the Pamiko Self Help Group and grew from a shared desire to strengthen our members through savings, responsible borrowing and collective development.

On 31 January 2017, the SACCO was registered under Cap 490, Section 6(3). This milestone marked an important transition into a more structured member-owned financial institution and affirmed our commitment to building a dependable platform for our community.

Our work is guided by six core values: Integrity, Honesty, Equality, Transparency, Self-Help and Professionalism. These values shape how we serve members, manage resources and pursue sustainable growth.

We believe that disciplined saving is the foundation of financial security. Through our savings culture and accessible loan products, members can address emergencies, school fees, agricultural needs, micro-business activities and development projects while working toward a stronger financial future.

We also recognize the importance of mutual support. Our Benevolent Fund and Risk Fund are part of the wider commitment to stand with members and their families during difficult moments.

I encourage every member to continue saving consistently, understand the terms of every financial product, meet repayment obligations on time and participate actively in the cooperative. Together, we can grow a resilient institution that creates lasting value for our members and our community.