PesaGuide
← All plans
Mhasibu DT Sacco Society Ltd

Mhasibu DT Sacco Membership

SACCO membership · Regulated by the SASRA

You join a member‑owned co‑op. You buy non‑refundable shares (KES 10,000 minimum) and save at least KES 3,000 each month. Your deposits can back a loan.

Hear when this changes

The details that matter for this kind of plan

Share capital
KES 10,000 minimum. Non‑refundable; transferable to another member.
Monthly deposit
At least KES 3,000.
Risk fund cover
KES 1,800 a year; clears loans on death/disability; pays 200% of deposits plus KES 150,000 last expense.
Who can join
Individual membership for all Kenyans; spouses and children of members.
Borrowing limit
You can borrow up to 4× your deposits if you qualify.
Licence
Listed by SASRA as a deposit‑taking SACCO for 2026.

How to open this

  • Open with KES 10,000
  • then KES 3,000 a month

What does it cost you?

Taken off each payment you makeregistration feeKES 1,200
Admin chargerisk fund per yearKES 1,800

What if you stop paying?

Your shares stay. Your deposits sit in the account. You still owe any loan you have. The risk fund is KES 1,800 a year; if you do not pay, they say they will deduct it from your deposits.

What if you need the money early?

You can take your deposits when you exit if you have no loan and have not guaranteed one. The KES 10,000 share capital is not paid back but you can transfer it to another member.

Who this suits

It could work for you if

You can keep up a KES 3,000 monthly saving. You want to borrow against your savings. You accept that the share capital is locked.

Think twice if

You need your starting money back. You cannot keep up the KES 3,000 a month. You do not want to pay the KES 1,800 yearly risk fund.

What they tell you

  • What is taken off the money you pay in?
    KES 1,200, taken from registration fee.
  • What is the smallest amount you can start with?
    KES 3,000.
  • 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

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

  • 22 August 2026
    • Somebody read the company's own material only a regulator's listing → researched
    • Smallest lump sum to start is now KES 10,000, and was not published before
    • Smallest monthly payment is now KES 3,000, and was not published before
    • Taken off each payment you make is now KES 1,200, and was not published before
    • Admin charge is now KES 1,800, 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