Muki Sacco Society Ltd

Muki Sacco Membership

SACCO membership · Regulated by the SASRA

It is a SACCO. It is licensed by SASRA. It serves over 50,000 members.

Hear when this changes

Muki Sacco's own website publishes an entry charge of Ksh 600. Two of its pages disagree on share price (Ksh 100 vs Ksh 500) and minimum share capital (Ksh 3,000 vs Ksh 9,000).
No dividend rate, management fee or administration charge is published on the website.
Share capital is not refundable, only transferable. A refund request requires 60 days notice.

Share price: The homepage says Ksh 100 per share. The share capital page says Ksh 500 per share. Two of the company's own pages disagree.
Minimum share capital: The share capital page says minimum Ksh 9,000. The homepage says minimum Ksh 3,000. The contradiction is unresolved.

Taken off each payment you makeKsh 600 goes to the member deposit account as savings while Ksh 100 acts as a security fund.	KES 600

Ask the SACCO what happens if you stop paying, before you join.

Share capital is not refundable. It is only transferable. A formal shares refund request needs 60 days notice. Ask the SACCO what that means for you.

It could work for you if

You want to join a licensed SACCO. You can accept that the company's own pages disagree on share price.

Think twice if

You need a clear dividend rate or a management fee figure before you join.

What is taken off the money you pay in?
KES 600, taken from Ksh 600 goes to the member deposit account as savings while Ksh 100 acts as a security fund..
What is the smallest amount you can start with?
KES 600.
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.

19 September 2026
- Somebody read the company's own material only a regulator's listing → researched
- Smallest lump sum to start is now KES 600, and was not published before
- Taken off each payment you make is now KES 600, 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.

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.

“Each share is Worth Ksh 100/- Minimum shares is Ksh 3,000/- which can be raised at once or Gradually.”
Muki Sacco Society homepage — products, membership and share informationthe company itselfread 2026-09-19
“Each share is Worth Ksh 500/- Minimum shares is Ksh 9,000/- which can be raised at once or Gradually.”
Muki Sacco Society share capital page — share price and minimum investmentthe company itselfread 2026-09-19
“Ksh 600 goes to the member deposit account as savings while Ksh 100 acts as a security fund.”
Muki Sacco Society about us page — history, membership requirements and FAQthe company itselfread 2026-09-19
“The share Capital is only transferrable but not refundable.”
Muki Sacco Society about us page — history, membership requirements and FAQthe company itselfread 2026-09-19
“Upon making a formal shares refund request with a 60 days notice.”
Muki Sacco Society about us page — history, membership requirements and FAQthe company itselfread 2026-09-19
“Yes after 4 months of being an active member, you can qualify up to 3 times your Member deposits.”
Muki Sacco Society about us page — history, membership requirements and FAQthe company itselfread 2026-09-19
“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