Top 10 Performing Saccos In Kenya; Dividends & Management

Savings and Credit Cooperative Organizations (SACCOs) play a crucial role in providing financial services to individuals and businesses in Kenya. They offer savings, credit, and other financial products to their members. However, not all SACCOs are created equal, and it’s important to identify the best-performing Saccos with good management, efficient loan services, and reliable dividends payment.

In this article, we will discuss the 10 best Performing SACCOs in Kenya that excel in these areas.

1. Stima SACCO

Stima SACCO is one of the Performing Saccos in Kenya, known for its efficient management and excellent loan services.

It offers competitive interest rates on loans and provides various loan products to meet the diverse needs of its members.

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Stima Savings and Credit Cooperative Organizations is also recognized for its prompt and consistent payment of dividends, making it a reliable choice for members seeking financial stability.

MUST READ: How To Join NSSF Sacco And Become A Member

2. Harambee SACCO

Harambee SACCO has a strong reputation for its well-managed operations and commitment to member satisfaction.

The SACCO provides affordable loans with flexible repayment terms. Harambee SACCO is also known for its transparency in dividend distribution, ensuring that members receive their entitled shares in a timely manner.

3. Unaitas SACCO

Unaitas SACCO is another reputable and Performing Saccos in Kenya, known for its excellent management practices. It offers a wide range of loan products, including business loans, asset financing, and emergency loans.

Unaitas SACCO is also recognized for its consistent dividend payment, which has contributed to its growing popularity among members.

4. Mwalimu National SACCO

Mwalimu National SACCO caters specifically to the needs of teachers in Kenya. It boasts efficient management and provides affordable loans to its members.

The SACCO is renowned for its competitive interest rates and hassle-free loan application process. Dividends are also distributed regularly, ensuring the financial well-being of its members.

5. Kenya Police SACCO

Kenya Police SACCO serves members of the police force and their families. With a strong emphasis on good management practices, SACCO offers various loan products with favorable terms. Dividends are paid promptly and consistently, enhancing the financial security of its members.

6. Maisha Bora SACCO

Maisha Bora SACCO is committed to delivering excellent financial services to its members. The SACCO provides affordable loans and offers personalized financial advice to help members achieve their goals. Dividends are distributed efficiently, reflecting SACCO’s dedication to member satisfaction.

7. Imarika SACCO

Imarika SACCO has gained recognition for its efficient management and member-oriented approach. The SACCO offers competitive interest rates on loans and ensures a streamlined loan application process. Dividends are paid out regularly, contributing to the financial stability of its members.

8. Hazina SACCO

Hazina SACCO has established itself as a trusted financial institution with sound management practices.

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It offers a wide range of loan products to cater to various needs, including development loans, school fees loans, and emergency loans.

Hazina SACCO also prides itself on consistent dividends payment, promoting member confidence and loyalty.

9. Wakenya Pamoja SACCO

Wakenya Pamoja SACCO is known for its efficient management and member-centric services. It provides affordable loans with favorable interest rates and flexible repayment options.

The SACCO also ensures timely dividends payment, demonstrating its commitment to member welfare.

10. Ushirika SACCO

Ushirika SACCO is a well-established financial institution in Kenya, offering comprehensive financial solutions to its members.

It provides competitive loan products and ensures efficient loan disbursement processes. Dividends are paid on a regular basis, enhancing the financial growth of its members.


Choosing the right SACCO is crucial for individuals and businesses seeking reliable financial services in Kenya.

The 10 Performing Saccos mentioned above have demonstrated strong management practices, efficient loan services, and consistent dividends payment. However, it’s essential to conduct thorough research, review the specific requirements, and assess personal financial needs before making a decision.

By selecting a reputable SACCO, individuals can benefit from quality financial services and contribute to their long-term financial well-being.

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