Save
Build your financial future through structured savings designed around how childcare work actually pays.
Collaborative Action for Childcare · Uthabiti Africa
Building Financial Security for the Childcare Sector
Save. Grow. Access affordable credit. Build a stronger childcare community.
Save. Grow. Thrive. Together.
Borrow
Access affordable loans for emergencies, school fees, assets, businesses, and centre growth.
Grow
Earn on shares, plan for dividends, and strengthen the assets that keep your household and centre stable.
Connect
Belong to a cooperative community that understands caregivers, workers, and childcare enterprises.
2,500+
Members in the network
KES 185M
Member savings mobilised
KES 96M
Loans to the sector
11,000+
Women in childcare reached
Why CAC SACCO?
A cooperative built around the realities of childcare work
Not another generic SACCO website. Collaborative SACCO is a financial home for caregivers, workers, and centres — with products, education, and community that fit the sector.
- Affordable financial services built for the childcare sector
- Loan products for workers, entrepreneurs, and centres
- Digital member services you can use from a phone
- Transparent, cooperative financial management
- Financial education through CAC Financial Academy
- Community-driven governance and shared ownership
Our financial products
Save on your terms
Earn monthly
Regular Savings
Your core SACCO account. Deposit at your own pace, track every contribution, and build a buffer that stays yours.
Goal-based
Development Savings
Earmark funds for a home improvement, a course, or a centre upgrade so day-to-day needs do not eat the plan.
Ready access
Emergency Fund
A dedicated cushion for illness, family events, and unexpected gaps between pay cycles.
Long-term
Children & Family Savings
Save toward school fees, nutrition, and family milestones without mixing them into operating cash.
Higher return
Fixed Deposits
Lock a lump sum for a defined term and earn a stronger return than regular savings.
Ownership
Share Capital
Your ownership stake in the cooperative. Shares determine membership standing and dividend participation.
Loans for your needs
Credit designed for care work
1% per month
Emergency Loan
Fast access to funds when life will not wait — medical bills, family emergencies, and sudden income gaps.
12% p.a.
Development Loan
Longer-term financing for personal and household development, including home improvements and major purchases.
10% p.a.
School Fees Loan
Pay school and training fees on time. Designed around term calendars rather than generic monthly cycles.
14% p.a.
Asset Financing
Finance equipment, motorbikes, appliances, and other assets that improve livelihood or centre quality.
13% p.a.
Business Loan
Working capital and growth finance for childcare micro-enterprises and related businesses.
Signature product
Childcare Centre Growth Loan
Our signature product. Finance equipment, renovations, learning materials, staff facilities, and centre expansion.
Loan calculator
Estimate a repayment
Illustrative reducing-balance estimate. Final terms depend on eligibility, shares, guarantors, and credit committee review.
Assumed annual rate: 12% · Up to 48 months
Estimated monthly payment
Ksh 8,885
- Total repayment
- Ksh 106,619
- Total interest
- Ksh 6,619
- Period
- 12 months · Childcare Centre Growth Loan
Financial education
Learn how to save better, manage debt, and grow
Start here
Saving with intention
How to set a contribution you can keep, even when income is irregular.
Start here
Budgeting for care work
A simple household and centre cash plan that respects term-time peaks.
Core
Understanding SACCO loans
Interest, guarantors, eligibility, and how to borrow without strain.
Core
Managing debt well
How to sequence repayments and protect your savings when cash is tight.
Ready when you are
Ready to build your financial future with the childcare community?
Save. Grow. Thrive. Together. Join Collaborative SACCO as a member, centre, or sector partner.