Empowering communities, building sustainable wealth in Turkana
Join Kaapei Sacco Limited to grow your savings, access affordable credit, and build a resilient economic future — together.
Built for how Turkana already saves
We formalize the trust that already exists in table-banking groups and VSLAs, so members keep the community feel with the security of a regulated co-operative.
Regulated & auditable
Registered co-operative society, CS/NO. 32768, on the Baraza SACCO system.
Transparent pricing
1.2% per month on a reducing balance — no hidden fees, ever.
Fast turnaround
Emergency micro-loans can be processed within 24 hours.
Local & accessible
A Lodwar office plus online registration and M-Pesa payments from anywhere.
A member-owned cooperative for Turkana
Kaapei Sacco Limited bridges informal community savings — VSLAs and table-banking groups — into a formal, secure and technology-driven cooperative, so grassroots entrepreneurs can access formal financial services and grow.
Vision
To be the leading engine of financial inclusion and shared prosperity across Kenya's arid and semi-arid lands.
Mission
To turn everyday savings into enterprise, resilience and independence — providing accessible, affordable and member-owned financial services to the communities of Turkana and beyond.
Registered co-operative society — CS/NO. 32768 · Governed under the Co-operative Societies Act (Cap 490). Bookkeeping is fully auditable through our Baraza SACCO management system.
Save, own a stake, and borrow to grow
Clear, member-friendly products with transparent fees. Shares and savings are non-withdrawable and work as security for your loans.
Membership & Shares
- Entrance feeKES 1,000 one-off
- Passbook & setupKES 500 one-off
- Minimum shares30 @ KES 100 = KES 3,000
- Maximum shares300 (KES 30,000)
Shares are non-withdrawable and earn annual, time-weighted dividends. Pay in flexible monthly installments (e.g. KES 1,000/month).
Non-Withdrawable Savings
- ContributionsFlexible, monthly
- EarnsAnnual interest on deposits
- Borrowing powerUp to 3× your savings
Your savings build a buffer and act as security for loans — the more you save, the more you can borrow.
Micro-Loans & Table Banking
- Business GrowthUp to 3× savings · 12–24 mo · 3 guarantors
- Agri-ResilienceSolar, inputs, livestock · harvest-aligned
- Emergency Micro-Loan24-hour turnaround
Fast, affordable credit at 1.2% per month on a reducing balance — designed for traders, farmers and small businesses.
Loan calculator
Estimate your repayments at 1.2% per month on a reducing balance. For guidance only — final terms are set on approval.
How to pay via M-Pesa
Pay your shares, savings and loan repayments through the Co-operative Bank M-Collection paybill.
- On your phone, go to M-Pesa → Lipa na M-Pesa → Pay Bill.
- Enter Business Number 400200 (Co-op Bank Collection).
- Enter your Account Number in the format 1187889-[ID Number].
- Enter the amount and your M-Pesa PIN. You'll get an instant SMS confirmation from Kaapei SACCO.
ACCOUNT NUMBER EXAMPLES
1187889#ID Number1187889#ID Number400200Member portal
Check your share and savings balances, view loan schedules, download your passbook, and approve guarantor requests online — powered by Baraza SACCO.
Open the member portalWhat's on
Financial Literacy & Business Formalization Workshop
Lodwar Town Hall · 2026
Table Banking Group Leaders Alignment Forum
Lodwar · 2026
Frequently asked questions
Everything you need to know before you join Kaapei Sacco Limited. Can't find your answer? Contact us.
Who can join Kaapei Sacco?+
Membership is open to anyone in Turkana County, including the host community and residents of Kakuma and Kalobeyei, as well as members of table-banking groups and VSLAs.
How do I become a member?+
Register online through our membership form in a few minutes, or visit our Lodwar office. You'll pay a one-off entrance fee of KES 1,000 plus KES 500 for your passbook, then buy a minimum of 30 shares at KES 100 each.
What is the interest rate on loans?+
Loans are charged at 1.2% per month on a reducing balance. Use our loan calculator above to estimate your monthly repayment for any amount and term.
How much can I borrow?+
Borrowing power is generally up to 3× your non-withdrawable savings. Business Growth Loans also require three SACCO guarantors and are repaid over 12–24 months.
How do I pay my contributions or loan repayments?+
Pay via M-Pesa Lipa na M-Pesa, using the Co-operative Bank M-Collection paybill number 400200 and your personal account number. See the "How to pay" section above for the full steps.
Can I check my balance online?+
Yes. The member portal, powered by Baraza SACCO, lets you check share and savings balances, view loan schedules, download your passbook and approve guarantor requests.
A SACCO for everyone
Whether you're from the host community or living in Kakuma or Kalobeyei, you're welcome to save, borrow and grow with Kaapei Sacco.
Visit or contact us
Ready to join?
Open your account online in a few minutes, or come to our Lodwar office and our team will help you.
Register online WhatsApp us Get directions