Lainisha Sacco Society Ltd

Lainisha Sacco Membership

SACCO membership · Regulated by the SASRA

It is a member-owned co-op licensed by SASRA to take deposits. Its website is at lainishasacco.co.ke.

Hear when this changes

SASRA lists this society as licensed for deposit-taking business in 2026. Its own website at lainishasacco.co.ke publishes no entry fee, share capital, minimum monthly deposit, notice periods, or declared return rate.
Membership is by registration: open an account and provide an original National ID. No fee is stated.
Loan eligibility requires a minimum membership period of three months, and credit is extended up to 3 times deposits.

There are no separate charges. What you pay each month is the price of the cover.

The website does not say what happens if you stop paying or saving.

The website does not say how long it takes to get deposits back.

It could work for you if

You want to check a licensed SACCO in the regulator's list before you ask for its terms.

Think twice if

You need membership terms, charges or rates now.

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.

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.

18 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.

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.

“A member becomes eligible after a minimum Membership Period of three months and on fulfilling all requirements of a specific Loan product.”
Lainisha Sacco Society Ltd — FAQ pagethe company itselfread 2026-09-18
“Member Deposits enable Customers to save securely, earn Interest at premium rates and to get access to Credit facilities subject to 3 times of their deposits.”
Lainisha Sacco Society Ltd — official website (homepage, FAQ, M-Lainisha, Downloads, Tenders)the company itselfread 2026-09-18
“Note: For Registration, Applicant must provide their Original National ID Card for identification.”
Lainisha Sacco Society Ltd — FAQ pagethe company itselfread 2026-09-18
“Sacco Membership is by Registration. Simply open an Account with us to start Saving and enjoy other benefits!”
Lainisha Sacco Society Ltd — FAQ pagethe company itselfread 2026-09-18
“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