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Our Vision

“Your Preferred Financial Partner”

Our Mission

"To enhance members' empowerment through provision of quality financial services"

Core values

At Ukulima Sacco we are committed to providing quality and efficient services to our members

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  • Registered in 1972

  • 27,749 Active Memebrs

  • 107 Branches

  • Interest as low as 1.2%

Join Our Cooperative Today!!

you can do it in the comfort of your home.

Register Online

Our Video

Loan Calculator


This is a loan granted to members whose salaries are remitted through the FOSA account. It is based on net salary as per the pay slip. Top up is available after three months. It is recovered from the salary remitted to FOSA Account.Interest reate is 1.75% per month on reducing balance.

  • FOSA Loan
  • UHURU Loan
  • HARAKA Advance
  • DARAJA Advance
  • HISA Advance
  • MAHITAJI Advance
  • BIMA Loan
  • Shares Investment Loan

  • ATM Services
  • MSacco Services
  • Normal Loan
  • Jitegemee Loan
  • Emergency Advance
  • School Fees Loan
  • Refinancing
  • Branch Emergency Loan (BELA)
  • Ukulima La Riba Advance
  • Chipukizi Loan