Amani SACCO pools every member's savings into shared capital — so when you need a loan, your community backs you, and when the cooperative grows, you grow with it.
Three steps, in order — each one builds on the last.
Register with your ID and open your share capital account — this is your stake in the cooperative, and the foundation for everything after.
Deposit regularly. Every contribution is logged to your passbook and grows your eligibility for credit.
Apply for a loan product suited to your need, backed by guarantors from within the cooperative.
Every rule below is configured by your SACCO's own committee — not hardcoded, not one-size-fits-all.
Interest method, term limits and fees, set per product.
A guarantor's exposure is capped to their own savings.
Every deposit, loan and repayment is recorded, never overwritten.
Members see their own accounts; staff manage the cooperative.
Membership takes a few minutes. Your first deposit is the start of your passbook.
Become a Member