Your Friendly & Trusted Financial Partner
OTUOMA SACCO is a saving and credit cooperative registered under the Co-operative Societies Act. We offer quick loan processing, competitive interest rates, and reliable financial services to our members.
700+
Active Members
30M+
Loans Disbursed
6+
Years of Service
About OTUOMA SACCO
OTUOMA SACCO was registered in 2019 under the Cooperative Act of Kenya. The SACCO has recorded tremendous growth over the years with membership not only from boda boda operators but also from many institutions, business people, mama mboga, mama omena, fishermen, boat owners, and registered groups/chamas.
OTUOMA SACCO is also registered by Cooperative Insurance Company and offers services to its members at very competitive terms.
Our Vision
To be a leader in financial provision by providing quality and dynamic services to our members and promoting sustainable growth of financial cooperatives.
Our Mission
To enhance the socio-economic well-being of members through mobilization of resources and efficient provision of competitive products and services.
Who Can Join OTUOMA SACCO
- Boda boda operators
- Business people
- Mama mboga / Mama omena
- Fishermen / Boat owners
- Civil servants
- Any person with a reliable source of income
Why Join OTUOMA SACCO
- Quick loan processing
- No loan processing charges/fees
- Loan repayment period up to 42 months
- Emergency and instant loans processed on demand
- Competitive interest rates for all products (10%)
- A stable SACCO that meets your loan demand
Our Gallery
Moments, activities, and growth of OTUOMA SACCO
Our Loan Products
Flexible, affordable loans with competitive 10% interest rate
Emergency Loan
10% Interest
Amount: KES 500 - 100,000
Repayment: 60 days (Daily repayment)
Requirements: 1 guarantor required
Processing: Within 24 hours
✓ No hidden charges | Paid in cash
Group Loan
10% Interest
Maximum Amount: KES 500,000
Repayment Period: Up to 42 months
Requirements: No guarantor required
Issued to: CIGs and VMGs only
✓ Issued 3 times member's deposit
School Fees Loan
10% Interest
Repayment Period: 12 months
No processing fees
Requirements: Issued 3 times member's deposit
✓ Cheque directed to school account
Business Loan
10% Interest
Maximum Amount: KES 500,000
Repayment Period: Up to 42 months
Requirements: Registered business, fully filled application form
✓ Member's deposit multiplied by 3
Other Loan Products
These Products are in collaboration with NAVCDP Project
✓ TOMATO Loan
✓ KUKU Loan
Savings Products
✓ Emergency Savings
✓ Christmas savings
✓ Holiday savings
✓ School Fees savings
Christmas savings is withdrawn on 20th December of every year
Holiday savings is meant for specific events only
School Fees savings is withdrawn on 5th January of every year
Emergency savings can be withdrawn any time upon request & do not earn you an interest
Welfare Benefits
OTUOMA SACCO stands with members and their families during difficult moments through a strong welfare support system.
Setup Contribution
One-time compulsory welfare setup contribution for all registered members.
Member / Spouse Death
Financial support provided to the bereaved family upon the loss of a member or spouse.
Child Death Support
Support provided for children aged 1 day to 24 years.
Parent / Guardian Death
Financial assistance offered to members who lose parents or guardians.
Additional Funeral Support
Upon the demise of members under the above categories, OTUOMA SACCO members come together to support with coffin arrangements, mortuary or hospital bills, and other funeral-related expenses.
Frequently Asked Questions
Find answers to common questions about our services
Join OTUOMA SACCO Digitally
Experience a secure, fast, and paperless membership registration process from anywhere using your phone, tablet, or computer.
Membership Rights & Obligations
Every OTUOMA SACCO member enjoys equal opportunities, participation rights, and access to SACCO services while upholding the society’s values and regulations.
Participate & Vote
Attend meetings, contribute ideas, and participate in SACCO decision making.
Leadership Opportunities
Eligible members may be elected into SACCO leadership positions.
Access Services
Enjoy savings programs, loans, and member support services.
Access Information
Access SACCO reports, regulations, and legitimate member information.
Everything You Need To Complete Registration
Online Application
Complete your membership application online from anywhere.
ID / Passport Upload
Upload your National ID or Passport for verification.
Passport Photo
Upload a recent passport size photo directly online.
KRA PIN Certificate
Submit your KRA PIN securely through the registration portal.
Digital Signature
Sign your application digitally using your device.
Automatic PDF
Your form is automatically converted into an official SACCO PDF.
Email Submission
Applications are instantly submitted to OTUOMA SACCO via email.
Registration Fee
Membership fee is KES 1000 payable after approval.
Minimum Contribution
Start saving with flexible and affordable contributions.
Payment Modes & Member Groups
Convenient ways to make your SACCO contributions together with organized member groups and meeting schedules.
Modes of Payment
Easy and secure payment channels
USSD Payment
Dial *341#
Kwara App
Make payments directly through the Kwara mobile app
Equity Bank Paybill
Paybill Number: 247247
Account Number: 932667
Co-operative Bank Paybill
Paybill Number: 400222
Account Number: 448279# Name
Groups Under OTUOMA SACCO
Meeting schedules for member groups
UKA
Friday • 2:00 PMUKB
Thursday • 2:00 PMUSA
Friday • 10:00 AMTin Toler
Friday • 2:00 PMUshindi
Friday • 2:00 PMRussia
Friday • 12:00 PMSEKI
Wednesday • 4:00 PMLovely Sisters
Friday • 2:00 PMWinners
Tuesday • 11:00 PMOSIEKO
Tuesday • 12:00 PMBeijing
Friday • 2:00 PMDiaspora
Saturday • 2:00 PMAchievers
Saturday • 2:00 PMGet In Touch
We are always ready to assist you with membership, savings, loans, and any SACCO inquiries.
Our Address
P.O BOX 65-40609
Usenge, Kenya
Call Us
+254 759 790 131
+254 799 203 909 - Chairman
+254 791 168 731 - Hon. Secretary
+254 729 047 327 - Treasurer
Email Address
otuomasacco@gmail.com
Our Leadership Team
Meet the dedicated team steering OTUOMA SACCO towards excellence
Organizational Structure
Vincent Otieno Ochieng
ChairmanLeading the SACCO with over 6 years of experience in cooperative management and financial services.
Lilian Atieno Tembe
Vice ChairpersonPassionate about community development and member welfare initiatives.
Stephen Ochieng Otieno
Hon.SecretaryExpert in cooperative law and governance, ensuring transparent operations.
Moses Omondi Songa
TreasurerFinancial expert managing SACCO funds with integrity and precision.
Lucas Onyango Odundo
Committee MemberDedicated to member engagement and outreach programs.
Margaret Akinyi Angule
Committee MemberSpecializes in women and youth empowerment initiatives.
Privacy Policy
Your data security and privacy is our priority at OTUOMA SACCO
1. Introduction
OTUOMA SACCO is committed to protecting the privacy of our members and website users. This policy explains how we collect, use, and safeguard your personal information.
2. Information We Collect
- Full name, ID/Passport number
- Phone number and email address
- Uploaded identification documents
- Financial and membership details
3. How We Use Your Information
- To process membership applications
- To evaluate and issue loans
- To communicate with members
- To improve our services
4. Data Protection
We implement appropriate security measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction.
5. Data Sharing
We do not sell or rent your personal information. Your data may only be shared with:
- Regulatory authorities if required by law
- Trusted partners (e.g., insurance providers)
6. Your Rights
- Access your personal data
- Request correction of inaccurate data
- Request deletion of your data
7. Contact Us
If you have any questions about this Privacy Policy, contact us:
Email: otuomasacco@gmail.com
Phone: +254 759 790 131