Shirika Sacco Society Limited

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About Company

Our History

Shirika Deposit Taking Sacco was registered on 24th April,1969 by the founder members of the Ministry of Industrialization and Enterprise Development Department of Co-operative which is the parent ministry. Originally membership was drawn from Co-operative Development and Marketing but later, due to changes in the economy, it was found necessary to widen this scope to include all other government ministries, all cooperative related organizations; and other reputable public organizations, but which are approved by the Annual General Meeting. With this enlarged scope, we are able to retain our members who change or quit employment for various reasons. Regardless of the employment status, members are treated equal and observe the operating policies and procedures.

The real effect was that the Sacco had to continue operations with:

  • Reduced member capacity
  • Reduced capital base due t o withdrawals
  • Non performing loans
Loans from retrenched members were not recoverable from retrenchment package but management enhanced recovery procedures which were very successful and no bad debts were declared. On recovery process management adopted other governance strategies particularly:

  • Member recruitment drive
  • Fixed percentage of share contribution rate
  • Improved service delivery.

The above strategies along with others have successfully seen the Society membership grow  to over 10,000 as at today. Our operations and financial status are stable with total Deposits of Ksh. 3,495,694,559 and a loan portfolio of Ksh. 3,122,859,416, with a total asset of 4,506,111,175.

Members are encourage to contribute monthly deposit of 10% of their gross salary as the minimum.

SHARE CAPITAL: Minimum for each member is Kshs 25,000 which is build in two yearly installments. The first Installment was implemented on 30th June 2015.

Mobile Banking


Shirika Deposit Taking Sacco Society has a Mobile banking platform where our members are able to access their FOSA savings & other  Sacco facilities regardless of geographical location and beyond the conventional business hours.

To access this service, a member is required to fill and submit the Mobile Application Form .

Upon registration, the member receives a four-digit PIN via text message.

The service can thereby be accessed by dialing *645# or installing the Shirika Sacco App from Play Store on your android  smart phone. You will be prompted to key in your pin, then choose from the options accordingly.

To use the app, you will be required to verify your membership by providing the mobile phone number that you indicated on the Mobile Banking Application Form.

Kindly remember to use the same PIN for both the USSD [ *645#] and the App .




P.O. BOX 43429-00100



[email protected]

Telephone / Phone Contacts


Go to our Homepage To Get Relevant Information.

  • Credit :               +254 748 104 508
  • Accounts :          +254 748 104 509
  • I.C.T :                   +254 748 104 510
  • Marketing :        +254 726 277 778/0748634565
  • Registry :            +254 790 492 532
  • F.O.S.A :              +254 790 536 647
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