Owned by its members. One member, one vote.
Grow what you save.
How saving worksLet us save together, and grow together.
Tuweke akiba pamoja,
tukue pamoja
Zidisha Investment Co-operative Society is a new savings and credit co-operative society: its members own it, save in it, borrow from it and elect the people who run it. [Add the SACCO's story, its common bond and its registration details here.]
What membership gives you
Today
SJT4K9X2LM Confirmed. Ksh1,000.00 sent to ZIDISHA SACCO for account ZS-00012#REG on 30/10/26 at 9:41 AM.
9:41 AM
- Lipa na M-Pesa, then Pay Bill
- Business number: the SACCO's paybill, once it opens
- Account number: your member number with its ending
Paying for: Registration fee
Pay to the right account
Your member number is your M-Pesa account number. A short ending says what the money is for, so the SACCO posts it where you meant.
The registration fee: #REG
Paid once, when the SACCO admits you: Ksh 1,000. It is a fee, not savings or shares.
Share capital: #SHR
One share is Ksh 100; every member holds at least 60. Buy them at your own pace.
Savings: no ending
Money sent to your member number alone goes to your monthly savings.
A loan repayment: #LOAN
Pays your oldest open loan. The member portal shows each instalment and what is still owed.
Your wallet: #WAL
Money you can move to your savings or a loan from the portal, or ask to take out.
From member to owner
JiungeFirst, join
Apply online, by USSD or at the office. Members are 18 or older.
Weka akibaThen save every month
By M-Pesa from your phone. Your savings build what you can borrow.
HisaOwn your shares
60 shares make you a full owner with a vote.
Kopa, zidishaBorrow, and grow
Loans come from the members' savings and return to them. See the loans
One member, one vote
Members own the SACCO together and elect the committee that runs it. Whether you hold the minimum or ten times as many shares, your vote at the general meeting counts the same.
60 shares: one vote1
600 shares: one vote1
What it takes to be a member
By the by-laws
- Registration feeOnce, when you are admitted
- Ksh 1,000
- One shareThe unit of ownership
- Ksh 100
- Minimum share capital60 shares
- Ksh 6,000
- Share transferTo another member, with the committee's approval
- Ksh 1,000
- AgeIndividual members
- 18 or older
- Monthly savingsSet for each savings product
- See Savings
No smartphone? No problem.
Check your balances, pay by M-Pesa and follow your loan from any phone, with or without data.
USSD
A menu on any phone, behind your own PIN. The code is published when the service opens.
M-Pesa
Pay from your phone; an M-Pesa prompt can come straight to it.
The member portal
Balances, statements, loans and requests in a browser.
SMS
A message for every payment, loan decision and request.
Questions people ask
Who can become a member? Individuals, groups such as chamas, and partner organisations. [Confirm the eligibility rules from the by-laws.]
How much do I need to start? A registration fee and a minimum monthly saving apply. [Amounts to be confirmed by the SACCO.]
How do I pay? With the M-Pesa prompt in the member portal, at the office, or by paybill once the SACCO's number is published. [Paybill number to be confirmed.]
How much can I borrow? What you can borrow depends on your savings and needs guarantors who are members. [Loan limits and rates to be confirmed in the credit policy.]
Can I see my account online? Yes. Every member gets a login to see balances, loans, guarantees and statements, and to send requests to the office.
I have forgotten my password. Use 'Forgot your password?' on the sign-in page. We e-mail you a link to set a new one.
What do I need to join? Your national ID or passport, your KRA PIN, a passport photo and the details of your nominees. Groups also need their registration certificate, minutes and officials' IDs. [Confirm the list from the by-laws.]
Can I join from outside Kenya? Yes. Apply online with your passport or national ID and pay by M-Pesa or bank transfer. [Diaspora rules to be confirmed.]
How long does approval take? The membership office checks your documents and tells you if anything is missing. [Service time to be confirmed.]
What happens to my savings if I leave? Deposits are refunded under the by-laws after the notice period, less anything you owe. Share capital is transferred, not withdrawn. [Notice period to be confirmed.]
Notices
17 October 2026 · Important
17 October 2026
15 October 2026
Become a member
Saving together starts with one form. Become a member today, online, by USSD or at the office.
Have your ID ready; the form says what else it needs.Already a member? Sign in