Mon-Fri: 08:30-4:00 pm
SAT 8:00 am- 12:00 pm



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 among others. The Sacco currently is duly licensed as deposit taking institution by the Sacco Societies Regulatory Authority (SASRA).

Core Values (CAP-IT)

  • Customer Satisfaction
  • At Joinas SACCO, we focus our resources to meeting the financial service needs and expectations of our members in our service delivery. We strive to ensure that our Customers needs are fully quenched and satisfied in an orderly and professional manner.
  • Accountability
  • We seek to be answerable and transparent to the membership,clients and personnel. In other words the, Joinas Fraternity in respect to our operations/ activities.
  • Professionalism
  • At Joinas SACCO, we endeavor to conduct the society as a whole in the highest service standard while serving our customers and other shareholders.This ensures setting of standards for quality service and output.
  • Integrity
  • Joinas Sacco is a good example of what integrity looks like at a co-oporate level as we offer high levels of honesty and promote high levels of morality.
  • Team Work
  • Joinas members,staff and clientelle work hand in hand to ensure maximum productivity and output."Umoja ni Nguvu".

Our Mission

To empower customers through mobilization of savings, provision of market driven financial solutions and high returns.

Our Vision

To be the financial institution of choice that transforms lives globally.