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Ndege Chai Sacco Prospering together Ndege Chai Sacco Prospering together Ndege Chai Sacco Prospering together Ndege Chai Sacco Prospering together Ndege Chai Sacco Prospering together Ndege Chai Sacco Prospering together Ndege Chai Sacco Prospering together Ndege Chai Sacco Prospering together Ndege Chai Sacco Prospering together Board Of Directors Ndege Chai Sacco Prospering together

Our Vision

Transformation for Prosperity

Our Mission

To facilitate the mobilization of savings and provision of cost effective financial and non-financial products and services to our members/customers in Kenya and beyond.

Our Slogan

"Prospering Together"

Our Core Values

We believe in ethics and integrity

The values that define Ndege Chai Sacco

Integrity and honesty

As Ndege Chai Sacco we always operate ethically, act with professionalism and honesty, treat people with respect, fairness and dignity, and being open and transparent in decision making.

Creativity and Innovation

As Ndege Chai Sacco, we promote an innovative culture and attitude. We think differently to make a difference and strive to apply innovative thinking and creativity to everything we do. Creativity and Innovation is a key driver for our growth. We remain open to new ideas; look for ways to improve processes and seek creative solutions for our customers.

Excellence and Quality

As Ndege Chai Sacco, we value excellence in service provision, leadership, people development, managing long term relationship. Our strategies shall aim at continual improvements in our systems, products and services diversification, reliability, accessibility and affordability






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Our Loan Products

There is a loan product for everyone

Maziwa Loan

The Procedures and Features of the products The applicant must have been a member for the last six months and a…

Emergency Loan

The loan facility helps a member meet emergency situations that were un foreseen. Mostly called ‘school fees’ loan by our members.…

Additional loan

This is a refinancing loan product. This loan facility is like a top up that facilitates completion of an ongoing project/investment…

Salary Advance

Salary advance is applied online via M-Ndege service. It is processed and paid within 3 minutes and attract an interest rate…

Special Advance

This is a product which facilitates the payment of salary advances when a member presents a postdated Cheque

Seasonal Advance

The Procedures and Features of the products: The applicant must attach a certified copy of the contract document as a proof…

Boda Boda Loan

Product to be insured Repayment period is 18 months Interest rate is 14% p.a.-reducing balance Has to be guaranteed by 4…

Jipange Loan

This is a FOSA salary-based product. It is applied via M-Ndege service-*882# Maximum loan amount- Depends on one’s pay slip. Minimum…

Normal loan

This is a development loan product and the loan facility is meant to assist a member initiate and finance development projects.…

A World Class Financial Institution

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Why Choose Ndege Chai Sacco?

Joining Ndege Chai Sacco is the best choice you have made so far. By joining us, you immediately get access to these and many other benefits.

  • Joining us enables you to enjoy various loan products thereby growing financially in leaps and bounds.
  • The various savings products help you save and invest wisely.
  • As a members you will be able to use your account to make deposits and to channel salaries from your  employer and other payments from businesses, farming, etc.
  • The same account will facilitate you to get a loan from BOSA immediately.
  • As a member of Ndege Chai Sacco, you will get financial literacy training and information during Members’ Education sessions.
  • We are licensed and regulated as a Deposit-Taking Sacco by SASRA.
  • We are among the best performing DT-SACCOs in Kenya.
  • We have embraced the latest efficient technology in most of our transactions so as to meet and exceed our members/customers needs.

Corporate Principles

The Sacco recognizes, upholds and esteems its members, peer Saccos, the government and regulatory agencies as well as all stakeholders by adhering to good corporate governance principles and practices, and guided by the Co-operative Principles namely:

  • Voluntary and open membership
  • Democratic member control
  • Members economic participation
  • Autonomy and independence
  • Education, Training and information
  • Co-operation among co-operatives
  • Concern for community in general

Thus, the objects of the Society shall generally be in accordance with the Cooperative Values and Principles

GOK - Ministry of Health Guidelines on the Corona Virus pandemic.

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Kericho Branch

Ndege Chai Building


Naivasha Branch

Ndege Chai Building


Konoin Office

Ndege Chai Building


Silibwet Office

Ndege Chai Building


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