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Njiwa Sacco Sacco Ltd

Njiwa Sacco Sacco Membership

SACCO membership · Regulated by the SASRA

It is a member-owned co-op. SASRA licenses it to take deposits. Its website lists accounts, internet banking, a mobile app, and five loan products.

Hear when this changes

What to watch out for

  • SASRA lists this society as licensed for deposit-taking business in 2026. Its own website at njiwa.co.ke lists BOSA and FOSA accounts, internet banking, Njiwa Mobile, a Sacco Link Card, and loan products including Premier Loan, Normal Loan, Top-up Loan, School Fee and Emergency Loans, but publishes no membership terms, entry or registration fee, share capital, minimum monthly deposit, notice periods, lock-in periods, or any declared dividend or interest-on-deposits rate.

The details that matter for this kind of plan

Licence
Listed as a deposit-taking SACCO by SASRA for 2026
Website
Own site at njiwa.co.ke lists accounts, loans and services; publishes no membership terms, fees or rates

What if you stop paying?

The society does not publish what happens if you stop paying. Ask it directly before you join.

What if you need the money early?

The society does not publish notice periods, lock-in terms, or surrender terms. Ask it directly before you join.

Who this suits

It could work for you if

You want to check a licensed SACCO in the regulator's register. You are willing to ask the society for its terms before joining.

Think twice if

You need published membership terms, charges, or rates. You should not join without them.

What they tell you

  • Do they say who regulates them?
    Yes — the SASRA. That is who you complain to.

Talk to 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

  • 20 September 2026
    • Somebody read the company's own material only a regulator's listing → researched

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.

Where we got this