Joinas Sacco Membership
SACCO membership · Regulated by the SASRA
It is a member-owned co-op licensed by SASRA to take deposits. Its website says it was set up in November 1999. It used to be called Kiambaa Dairy Rural Sacco. It started FOSA in January 2009. It has over 7,500 members.
Hear when this changes
What to watch out for
- SASRA lists this society as licensed for deposit-taking business in 2026. It does not publish the membership terms or declared return.
- The company's homepage, BOSA loans page, FOSA products page, about page, career page and Joinas Mobi page, all read on 2026-09-14, do not publish membership entry fee, share capital, minimum monthly deposit, notice periods or dividend rate.
The details that matter for this kind of plan
- Licence
- Listed as a deposit-taking SACCO by SASRA for 2026
- Max loan multiplier
- 4 times your deposits
- Loan interest rate
- 1% per month on reducing balance
What does it cost you?
There are no separate charges. What you pay each month is the price of the cover.
What if you stop paying?
The company's website does not say what happens if you stop paying.
What if you need the money early?
The company's website does not say how long it takes to get your deposits back. It also does not say what notice you must give.
Who this suits
You want to check a licensed SACCO in the regulator's register first. You are also okay with the membership terms not being published online.
You need membership terms, charges or rates now.
What they tell you
- Are all their charges published?They list no separate charges. What you pay is the price.
- Do they say who regulates them?Yes — the SASRA. That is who you complain to.
Talk to them
- Website: www.joinassacco.com
- Email: info@joinassacco.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
- 14 September 2026
- Somebody read the company's own material only a regulator's listing → researched
- How many times your savings you can borrow is now 4x, 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.
“4× Deposits Max loan multiplier on your savings”
“Borrow up to 4× your deposits”
“Eligibility: 3 months active membership”
“Fixed terms (3, 6 or 12 months)”
“In January 2009, the Sacco established a Front Office Savings Activity (FOSA)”
“Interest: 1% per month on reducing balance”
“JOINAS DT SACCO SOCIETY LIMITED, formerly known as Kiambaa Dairy Rural Sacco Limited, was registered in November 1999”
“Processed within 24 hours”
“Processed within 2 weeks”
“Rate: 1.0% per month on reducing balance”
“Repayment: Up to 12 months”
“Repayment: Up to 24 months”
“serving over 7,500 members across Kenya”
“Listed as a deposit-taking SACCO by SASRA for 2026”
SASRA: list of licensed and authorised Sacco societies, FY ending 31 Dec 2026the regulatorread 2026-09-16
Where we got this
- Read on 2026-09-16
- JoinAs Sacco Society Ltd Homepagethe company itselfRead on 2026-09-14
- JoinAs DT SACCO Society Ltd — BOSA Loan Products pagethe company itselfRead on 2026-09-14
- JoinAs DT SACCO Society Ltd — FOSA Products pagethe company itselfRead on 2026-09-14
- JoinAs DT SACCO Society Ltd — About Us pagethe company itselfRead on 2026-09-14
- JoinAs DT SACCO Society Ltd — Joinas Mobi App pagethe company itselfRead on 2026-09-14