Mon - Fri : 08:30 - 16:00
Saturday : 08:00 - 12:00
We Fulfill Your Dreams

imageRegister Now!

Enjoy Paying your loan and savings via M-pesa anytime anywhere via Paybill 317150 and use your ID NUMBER as your Account Number.

Need Instant Cash Now???


Joinas Sacco Society Limited formerly known as Kiambaa Dairy Rural Sacco Limited was registered in November 1999 with the aim of mobilization of savings for the purpose of lending to its members.

In January 2009, the Sacco established a FOSA which provides basic financial services including monthly milk payments from Kiambaa Farmers’ Co-operative.

The Sacco currently is duly licensed as deposit taking institution by the Sacco Societies Regulatory Authority (SASRA).

Vision Statement

To empower people to the next economic level.

Mission Statement

To transform the living standards of the members through education, mobilization of savings and lending at affordable rates, offering higher returns to members by efficient management.

Enjoy Affordable Interest Rates on Reducing Balance

For Balance Enquiry...



Joinas Sacco Society Limited in collaboration with Co-operative Bank of Kenya issues Saccolink ATM cards that can be used in any;

1. Co-operative Bank Branches

2. Visa Branded ATMs

3. All Shopping Outlets

4. Co-op kwa Jirani Agents


image image

Core Values

Customer Satisfaction At Joinas Sacco, we focus our resources to meeting the financial service needs and expectations of our members in our service delivery.

Accountability We seek to be transparent and answerable to the membership and to the team in respect to our operations/ activities.

Professionalism At Joinas, we endeavor to conduct the society in the highest service standard while serving our customers and other shareholders.

Intergrity The Sacco and its staff conducts themselves in the highest moral standards in delivery of services to the members.

Team Work Joinas Sacco fosters a team spirit within the organisation to facilitate efficient and effective delivery of our products and services to the members.



Contact Us

Banana Hill, Kanja House

P. O. Box 669-00219, karuri-Kenya.

Tel. 020-2071289

Mobile: 0721 175585




© Copyright 1999- Joinas Sacco, Inc. All rights reserved.