How to Register a Sacco In Kenya.


How to Register a Sacco In Kenya.

In recent times, the number of Saccos in the country has grown tremendously. Big corporate from different sectors are investing in Sacco registration as they have been proved to be attractive in terms of regulations and financial benefits.

For individuals it is a very effective way of saving and a way to access quick and cheap means of raising capital furthermore, the Sacco as an entity has power that comes from having members and regular income from contributions.

 Registration requirements for a Sacco (sacco rules and regulations).

How to register a cooperative society in Kenya

Non Deposit Taking Sacco Registration:

  1. Formal request in writing with intent for the formation of a sacco.
  2. Proposed names for search and approval;
  3. Objects of the society;
  4. The number of members in the society (At least 10 members);
  5. The names, occupation and postal addresses of the Chairman, treasurer and secretary;
  6. Proposed Physical address of the society. Address includes road, plot number, town, and county;
  7. Constitution for the society
  8. Form A (application for registration of a society)
  9. Form B ( notification of registered office and address of a society)
  10. Sacco registration form

Upon receipt of the above documents, the Cooperative officer shall convene a meeting within a week with the proposed members. The quorum of this meeting (Pre Co-operative SACCO Meeting) shall be ten members. The main agenda of the meeting shall be pre co-operative education. During the meeting; the promoters shall appoint interim officials for purpose
of overseeing registration.
Apart from above documents the following will be required;The proposed by-laws in four copies; Filled application for registration form in four copies;Supplementary information form in four copies;Economic
appraisal in four copies;
In case of salaried workers, a letter from the employer is needed agreeing check off. Minutes of the pre co-operative SACCO meeting and application and registration fees payment.

Upon approval of the name, a Sacco registration form will need to compete with details of all the board members and members including proof of identity documents, physical address of all members.

The registration process takes about two months.

 After successful SACCO registration, the newly registered SACCO society is required by law to convene the first general meeting within a month after receipt of the certificate by the interim official. Failure to do so, the co-operative officer will recommend to the Commissioner for co-operative development  for immediate cancellation of the certificate of registration.

Deposit Taking Sacco Registration:

If the Sacco intend on taking deposits from your members/customers, it will be required to obtain a license from SASRA. SASRA is mandated by section 24 of the Saccos Societies Act 2008 to license and regulate the operation of Deposit Taking Saccos.

  • For formally employed persons, a letter of confirmation from the employer. For religious based common bond, a copy of certificate of incorporation of the organization accompanied by a letter of approval from the presiding clergy. For Matatu/Transport Societies SACCO, copies of at least ten log books of the proposed members vehicles.
  • For business people, copies of certificate of incorporation, /business licenses from at least ten proposed members. For marketing societies, introductory letter from the area chief to confirm the common bond and expected production. For welfare and self help groups intending to convert to co-operatives, a copy of certificate of registration from relevant ministry. For other informal organizations, a letter of introduction from the area Chief.

 Sacco Rules and Regulations. Sacco Societies Regulations 2010

Once the above steps are completed, you should receive a Certificate of Registration from the Registrar. This will enable you to acquire Sacco Bank account, other business permits, NHIF and NSSF, tax arrangements.

The newly registered SACCO society to convene the first general meeting within a month after receipt of the certificate by the interim official. Failure to do so, the co-operative officer should recommend to the Commissioner for co-operative development immediate cancellation of the certificate of registration


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  • Peter Lwaya

    October 13, 2018 at 8:49 am

    Thank you for such elaborate information. I am a pastor and in our church would wish to begin a Sacco. Sent me more information, forms for registration and any other requirements for deposits taking Sacco.


  • sylvester haggai

    October 22, 2018 at 7:43 am

    how much does it cost


  • thanks for the good information

    November 11, 2018 at 10:38 am

    Kindly i need a copy of this to my email.kindly help me acquire one copy.


  • Nicholas Okello

    November 12, 2018 at 6:58 am

    We need to register a SACCO….how do go about it….


  • Kenneth Paul Pakia

    May 7, 2022 at 12:43 pm

    1. how much does it cost to register a SACCO in Kenya? we have been given figures of about
    Ksh. 20,000,000/=
    2. what is the laid down procedure for registering a SACCO
    3. does the law refuse to register a SACCO bearing a christian tag


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