Sacco Profile

Harambee DT SACCO Profile

Harambee DT SACCO Profile

The story of Harambee DT SACCO is one of vision, unity, and empowerment. The SACCO’s journey began in 1969 at the Office of the President (OOP), where a group of employees came together with a simple yet powerful idea — to start a merry-go-round that encouraged a savings culture and provided short-term loans for personal growth.

From this humble initiative, Harambee DT SACCO Society Ltd was officially registered in 1970 under Registration No. CS/1916, marking the birth of one of Kenya’s most successful and respected cooperative societies.

Over the years, Harambee DT SACCO has evolved from a small employee-based savings group into a commercially autonomous, democratically controlled, and self-reliant financial institution. With unwavering member commitment and visionary leadership, the SACCO has expanded its footprint through FOSA branches in Nairobi, Mombasa, Kisumu, Eldoret, Nakuru, and Nanyuki.

Today, Harambee DT SACCO serves over 78,000 members and manages assets exceeding KES 38.69 billion. It continues to play a vital role in the Kenyan cooperative movement, providing accessible, affordable, and innovative financial solutions that uplift lives and drive socio-economic transformation.

Vision

To be the most trusted SACCO in Kenya and the East African region, known for excellence in service delivery, innovation, and member empowerment.

Purpose

To empower members to live with dignity and accomplishment throughout their lives.
At Harambee DT SACCO, empowerment means giving members the confidence to face financial challenges, the joy of saving for the future, and the satisfaction of belonging to a cooperative that genuinely cares about their well-being and personal growth.

Core Values

Accountability & Empowerment
We hold people accountable for performance and give them the right to make decisions, act responsibly, and achieve results that benefit the SACCO and its members.

Service & Empathy
We are deeply committed to serving our members. We step into their shoes to understand their experiences, aspirations, and challenges — ensuring our actions and solutions are guided by empathy and understanding.

What Makes Harambee DT SACCO Different

Harambee DT SACCO is redefining how cooperative business is done in Kenya. The SACCO’s focus goes beyond financial transactions — it aims to help members and their communities thrive financially, socially, and environmentally.

By partnering with members and leveraging their contributions, Harambee DT SACCO channels resources toward impactful projects that create sustainable livelihoods and long-term prosperity.

Its values in action are evident through responsible governance, innovation, and continuous investment in technology and member education — ensuring every member’s contribution drives collective success.

Why Join Harambee DT SACCO

  • Quick access to affordable loans through Harambee M-Cash
  • 24/7 access to funds via M-Cash, ATMs, or agents
  • Low interest rates on loans and collateralized products
  • Safety and reliability of members’ savings and deposits
  • Access to property investment through Harambee Investment Cooperative Society (HICS)
  • Mortgage facilities such as Harambee Home Loan and Jenga Loan
  • Insurance coverage for members and dependants through Sink Fund
  • Comprehensive insurance services via Harambee Insurance Agency (HIA)
  • Convenient self-service through the member portal
  • Attractive dividends and interest rebates annually
  • Member empowerment through periodic financial and investment education forums

Member Education and Empowerment

Harambee DT SACCO organizes regular member education forums across the country to engage members directly and share updates on new products, services, and innovations. These sessions also focus on financial literacy, investment management, and entrepreneurship, ensuring that members are well-equipped to make informed decisions that improve their financial well-being.

Your Power, Your Money, Your Well-being

Your Power:
As a cooperative, members are the only shareholders. This gives every member a voice in decision-making and the power to influence how profits are utilized.

Your Money:
Every shilling you save earns competitive returns while supporting businesses and initiatives that make a positive impact in society.

Your Well-being:
Harambee DT SACCO’s goal is not only to meet your current financial needs but also to support your long-term growth and stability — ensuring a secure, dignified, and prosperous future.

 

Andrew Walyaula
Author: Andrew Walyaula

Andrew Walyaula is a seasoned multimedia journalist. satrendmagazine@gmail.com

Andrew Walyaula

About Author

Andrew Walyaula is a seasoned multimedia journalist. satrendmagazine@gmail.com

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