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Imarika Sacco Society Ltd

Imarika Sacco Membership

SACCO membership · Regulated by the SASRA

It is a savings and credit co-operative. It is licensed by SASRA. It started in 1974. Its head office is in Kilifi.

Hear when this changes

What to watch out for

  • SASRA lists this society as licensed for deposit-taking business in 2026. The company's own website publishes minimum share capital and minimum monthly deposits but no registration fee, admin charge, management fee, notice period, lock-in term, or current dividend rate.
  • A scanned magazine PDF on the company's own domain mentions a 2022 dividend of 8% on long-term deposits and 14.5% on share capital, and a Ksh 600 registration fee. The PDF has no text layer, so these figures cannot be quoted or verified against the page.

The details that matter for this kind of plan

Licence
Listed as a deposit-taking SACCO by SASRA for 2026
Share capital
Minimum Ksh 30,000, deductible half-yearly at Ksh 3,000
Minimum monthly deposit
Ksh 1,200 for MSCA; Ksh 2,000 for FOSA; Ksh 3,000 for BOSA

How to open this

  • Open with KES 30,000
  • then KES 1,200 a month

What if you stop paying?

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

What if you need the money early?

The company does not publish notice periods or lock-in terms. Ask it how long it takes to get deposits back.

Who this suits

It could work for you if

You want to join a SACCO and can meet a Ksh 30,000 share capital commitment.

Think twice if

You need published notice periods, lock-in terms, or a current dividend rate.

What they tell you

  • What is the smallest amount you can start with?
    KES 1,200.
  • 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

  • 14 September 2026
    • Somebody read the company's own material only a regulator's listing → researched
    • Smallest lump sum to start is now KES 30,000, and was not published before
    • Smallest monthly payment is now KES 1,200, 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.

Where we got this