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, Salaries payments for Gratom Babz Services etc.

Joinas Sacco society is a deposit taking Sacco licensed and regulated by Sacco Societies Regulatory Authority (SASRA). It was established by Kiambaa dairy farmers from Karuri and its environs. The main Objective was to transform the living standards of the members through education, mobilization of savings and lending at affordable rates. The Sacco was established with a Vision of being the leading financial services provider in the region and beyond. From a humble background of 20 members, the Sacco has now expanded its membership to more than 7000 members by opening the bonds and allowing all investors to join the society.