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General, Uncategorized  /   /  By kellie

The following are the 10 most read posts on this blog since I started writing in 2009

1. Isn’t A SACCO Just A Bank?
1.Angel Financing in Kenya
2. Just Do It!
3. Enlarge The Pie
4. Before You Pick The Hoes
5. Why Everyone Hates Their Job
6. Private Solutions To Public Problems
7. Guest Post: Freelance Writing
8. Amazon Vs Nakumatt: Customer Care Case Study
9. Creating Your Personal Life Plan by Michael Hyatt


I wrote the top post in November 2010 and it continues to elicit interest to this day. A lot of people want to know how SACCOs work, and if there are SACCOs that are open to the public. unfortunately my research hasn’t borne much fruit.

We are however in the process of registering a SACCO at work, and I’ll post about the process and lessons we learn along the way.

  1. ngatts June 7, 2012 at 2:55 pm

    On the subject of SACCOs, I have some research I had done. Since we don’t have a SACCO where I work, I’d looked for those that take on members from outside the organization. There are a few that are open to the public. One is the now infamous KUSSCO (I wouldn’t recommend it). The other, which we joined with a couple of guys from work is Maisha Bora Sacco. It’s run under Unilever but it’s open to non-Unilever staff. Word of advice: come as a group so that in case you plan to take loans you sign off for each other as guarantors. Check them out online

  2. bestly June 13, 2012 at 10:25 pm

    ushuru sacco- a KRA sacco does take outsiders. stima sacco as well..just go as a group as stated above….cheers!

  3. kellie June 14, 2012 at 11:36 am

    @ngatts and @bestly thank you so much for the two SACCOs. I hope the readers who inquired will join.

  4. James June 25, 2012 at 9:49 am

    Thanks for eye opening blogs,Wish to ask some questions On the subject of SACCOs, Iam a member of mwalimu sacco and find my friends borrowing to boost their savings is it a wise move?

    • kellie June 25, 2012 at 10:54 am

      Hello James, thanks for reading and for your comment. Just to understand this; your friends borrow money from the SACCO, which they keep in a savings account as savings? If that’s the case, it’s not wise or productive for two reasons:
      1. They pay interest at 12% to the SACCO yet their money is earning at most 6% in a savings account. This means they’re losing money.

      2. A SACCO is a savings tool even more than it’s a borrowing tool. It’s counter productive to borrow from your savings to boost savings.

      I advise to borrow from a SACCO if you’re going to invest that money in a venture that will give you more in profits than the interest you’re paying on the loan. I hope my explanation is clear, let me know if you need further clarification.


      • James July 18, 2012 at 12:23 pm

        Hello Kellie, thanks alot for the insight and very satisfied and Bless you for blogs are good read for me and I encourage my friends to read them too,

Comments are closed.

About the Author

When I’m not here writing, I run Lattice Training, where we offer customized training solutions for businesses of all sizes, from startup entrepreneurs all the way to large corporations.
The aim of this blog is to simplify personal finance. I write about budgeting, personal finance, management and doing business in Kenya, in a way that everyone will understand.

If you have questions or would like to get in touch with me, leave your details on the form below, and I will get in touch. Thanks for reading.

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