Dhamini Sacco Membership
SACCO membership · Regulated by the SASRA
A SACCO membership. You pay a registration fee to join, then save and borrow with the society. The money you pay in stays until you leave.
Hear when this changes
The details that matter for this kind of plan
- Registration fee
- KES 1,500 non-refundable
How to open this
- Open with KES 1,500
What does it cost you?
| Taken off each payment you makemembership registration | KES 1,500 |
|---|
What if you stop paying?
Your savings stay with the society. What happens next is set by its own rules, which it does not publish.
What if you need the money early?
You cannot take this money out while you are a member. You get it back when you leave.
Who this suits
You want savings you cannot dip into, and the chance to borrow against them.
You may need the money back soon. It is locked while you are a member.
What they tell you
- What is taken off the money you pay in?KES 1,500, taken from membership registration.
- What is the smallest amount you can start with?KES 1,500.
- Are all their charges published?Yes, every charge they mention has a figure against it.
- Do they say who regulates them?Yes — the SASRA. That is who you complain to.
Talk to them
- Website: dhamini.com
- Email: dhaminisacco@gmail.com
- If something goes wrong, the SASRA is who supervises them.
Compared with the others
There are 222 other plans of this kind on the board. See all 223 side by side — what each one leaves you with, and which of them will not say.
What has changed here
- 12 September 2026
- Somebody read the company's own material only a regulator's listing → researched
- Taken off each payment you make is now KES 1,500, and was not published before
- Smallest lump sum to start is now KES 1,500, and was not published before
We started keeping this record in August 2026. Anything that changed before then is not here. The whole board's record.
What the documents actually say
Every figure above was read out of a document. These are the sentences, word for word, so you can check them rather than take our word for it.
“1% per month on reducing balance method.”
“After saving continuously for at least six months.”
“Currently our active membership stands at six thousand that is from 95 different organisations within the country which is a milestone achievement to us.”
“Dhamini Sacco was officially registered in 16th May 1985 by the Ministry of Co- Operatives & has been in operation since then.”
“Emergency loans — 12 Months\nSchool fees loan — 12 Months\nDevelopment loan — 36 Months\nFlex loan — 48 Months”
“Fill in the application for membership form and return it to our office with a registration fee of Kshs 1500/=. Attach a copy of your National Identity card and one Passport photo”
“Maximum loan is granted at 3 times the member's shares subject to salary eligibility”
Where we got this
- SASRA: Sacco Supervision Annual Report 2024 — growth performance indicators for every regulated societythe regulatorRead on 2026-08-28
- Dhamini SACCO Frequently Asked Questions pagethe company itselfRead on 2026-09-12
- Dhamini SACCO About Us pagethe company itselfRead on 2026-09-12
- Dhamini SACCO Membership pagethe company itselfRead on 2026-09-12