FAQs, downloads, and member guidance

Childcare workers, caregivers, centre owners, entrepreneurs, childcare organisations, and sector partners who complete KYC and buy the minimum share capital.

This site is the public home of the SACCO plus a member portal preview. Live savings, loans, and M-Pesa posting will connect to the SACCO core when the backend is ready. Nothing here moves real money yet.

Once you are an approved member, you can deposit from the portal or via M-Pesa Paybill (to be issued at onboarding). Contributions can go to regular, development, emergency, family, or share accounts.

Eligibility depends on your savings, share capital, membership length, existing loans, and guarantor capacity. Use the loan calculator for an estimate, then apply for a formal appraisal.

Most loans above a small emergency threshold require fellow members to guarantee. Guarantors can accept or decline from their portal.

National ID, a passport photo, KRA PIN, proof of childcare work or centre registration, and next-of-kin details. Centres also submit registration and ownership documents.

Dividends are declared after the annual accounts, based on share capital and SACCO performance. Members can view history and statements in the portal.

The SACCO is being established as a member-owned cooperative with maker-checker controls, audit trails, and governance by a board and credit committee. Full regulatory registration will follow Kenyan cooperative requirements.