Wakagreen Savings & Credit Cooperative Society Ltd
Empowering Financial Growth for Kenya’s MSMEs & Agripreneurs
+254 723 821 631
info@wakagreensaccoltd.org
Enhancing human dignity for MSMEs and Agripreneurs through financial empowerment
Our Identity
Wakagreen is a dedicated financial partner within Kenya’s vibrant MSME ecosystem. While our roots are in the agricultural heartland, we empower a broad range of small and medium enterprises, ensuring every entrepreneur has the tools to grow and succeed.
Our Impact
We drive business scaling through inclusive savings, affordable credit, and professional financial literacy. Our goal is to help you transform your farm or shop into a resilient, profitable enterprise that secures your family’s future.
Our Roadmap
We are building a future where every Kenyan business owner can thrive. By bridging the gap in financial access, we enable MSMEs to transition from daily survival to strategic expansion, creating a legacy of prosperity for the community.
Wakagreen Community Ecosystem & Corporate Governance
Community Ecosystem Overview
We cultivate a vibrant network where Kenyan agripreneurs thrive through shared resources and financial empowerment. Our ecosystem is built on mutual support and collective growth.
- Shared market intelligence and opportunities
- Collaborative community support networks
- Unified focus on sustainable agri-growth
Core Principles & Governance
Transparency and ethical leadership guide every decision at Wakagreen. We adhere to international co-operative standards to ensure your investments are safe and well-managed.
- Strict financial integrity and transparency
- Democratic member-led decision making
- Regular ethical audits and reporting
Membership Requirements
Begin your journey towards financial freedom by joining our community. We welcome dedicated agripreneurs and small business owners ready to scale their impact in Kenya.
- Registration with a valid business ID
- Consistent monthly savings contributions
- Commitment to cooperative growth values
Technology & Governance
We leverage modern digital tools to provide you with secure, real-time access to your savings and loan status. Technology ensures governance is inclusive and transparent for every member.
- Secure mobile access to account data
- Automated real-time financial tracking
- Digital voting and member consultations
Savings Products
Wakagreen Sacco offers flexible savings options designed to support wealth creation, disciplined saving, and easy access to affordable loans.
To join Wakagreen Sacco, individual members pay a KES 1,000 registration fee, contribute KES 6,000 share capital, and maintain minimum monthly deposits of KES 700 plus a KES 300 monthly share contribution. These requirements promote active membership and a strong, sustainable Sacco.
Share Capital gives ownership to the Sacco and can only be transferred but not withdrawn.
Member Deposits
- Mandatory monthly contribution of KES 700
- Builds ownership and wealth within the Sacco
- Determines loan eligibility and guarantorship
- Earns annual interest based on Sacco performance
Project Savings
- Voluntary savings for specific projects or investments
- Can be used to guarantee a project loan
- Earns annual interest based on Sacco performance
Asset Plus Savings
- Voluntary savings toward acquiring assets (e.g. land, equipment, machinery)
- Can be used to guarantee an asset loan
- Earns annual interest based on Sacco performance
Goal Savings
- Designed for members earning income on a daily basis
- Helps consolidate small daily earnings
- Ideal for meeting monthly expenses such as rent, school fees, and bills
Group Savings
- For members saving within registered groups
- Promotes accountability and group financial discipline
- Enables automation and growth of group-based enterprises
Investment Savings
- For members with excess liquidity
- Earns a negotiated interest rate
- Interest rate determined and approved by the Board of Directors
Empower your business harvest today. Join a community of MSMEs and agripreneurs cultivating a secure future for Kenyan communities.
Loan Products
Guiding Your Financial Growth
Wakagreen Sacco encourages members to build savings as a foundation for credit access.
Our loan products are designed to empower members through affordable and ethical financial solutions, helping them scale businesses effectively.
General Loan Information
- Multiplier: Loans up to 5x of total deposits.
- Continuity: 6 months active savings needed.
- Security: Deposits and guarantors required.
- Purpose: Diversified credit for MSME growth.
Policy Reminders
- Save Regularly (Save Before Spending)
Pay Yourself First: Treat your monthly Sacco contribution like a mandatory bill, setting aside money before you spend on non-essentials. - Borrow Wisely (Use Deposits as Leverage)
Leverage Savings: Saccos typically allow you to borrow 3 to 5 times your savings. - Pay Promptly (Maintain Good Standing)
Avoid Default: Prompt repayment keeps your credit score within the Sacco healthy and ensures you can access further loans.
- Objective: General-purpose financing for individual members.
- Multiplier: Eligible for up to 3x of core deposit balance.
- Tenure: Repayment periods extend up to 36 months.
- Security: Secured by deposits and trusted Sacco co-signers.
Normal Loan
- Objective: Financing for specific development or agribusiness projects.
- Multiplier: Eligible for up to 4x of Project Savings balance.
- Tenure: 24-month cycles tailored to project timelines.
- Requirement: Verified project proposal and financial capacity.
Project Loan
- Objective: Procurement of machinery, equipment, and business assets.
- Multiplier: Eligible for up to 5x of Asset Plus Savings balance.
- Tenure: Strategic repayment terms extending up to 48 months.
- Collateral: The asset or deposits serve as primary security.
Asset Loan
Platinum (Instant) Loan
- Objective: Rapid micro-credit for urgent business needs.
- Limit: Instant facility capped at KES 50,000 via mobile.
- Tenure: Single-bullet repayment within a 30-day window.
- Access: Fully automated disbursement for quick liquidity.
Group Loans
- Objective: Collective scaling for registered Chamas and groups.
- Multiplier: Based on group savings and collective guarantee.
- Tenure: Tailored to group enterprise or investment cycles.
- Security: Secured by group deposits and joint liability.
Investment Loans
- Objective: Strategic financing for high-value business investments.
- Limit: Negotiated subject to appraisal and security valuation.
- Tenure: Long-term multi-year tenure up to 60 months.
- Approval: Requires Board review and ROI business case.
Empowering Growth, Scaling MSMEs
Wakagreen Sacco provides the financial tools for agripreneurs and small businesses to thrive, fostering community-led economic prosperity across Kenya.
300+
Enterprises Funded
KES 6M
Community Savings
70%
SME Participation
KES 7M
Business Loans
KES 8M+
Asset Strength
The Pillars of Growth
Strategic Learning
Business Savings
Equity Investment
Commercial Loans
Empowering Kenya's entrepreneurs with customized financial literacy programs for scalable operations.
Reliable capital preservation schemes designed to fuel your growth and provide a solid financial cushion.
Collaborative strategies helping agripreneurs build collective wealth and secure a legacy for their chamas.
Flexible credit facilities crafted for entrepreneurs who need capital to bridge under-served market gaps.
Join the MSME Movement
+254 723 821 631
Call Us
info@wakagreensacco.org
Financial Strategy
Master capital management and resilient financial frameworks tailored for Kenyan MSMEs and growing agri-businesses.
Enterprise Academy
Cooperative Scalability
Scale your collective impact through strategic partnerships and cooperative models designed for MSME market access in Kenya.
Agribusiness Excellence
Exceed market standards with modern operational frameworks and strategic management for high-growth agri-enterprises.
Community Empowerment Programs
Wakagreen empowers communities by keeping wealth local, supporting agripreneurs, and promoting inclusive, sustainable growth through affordable finance and skills development.
SuperSaver Automated Savings
SuperSaver helps daily earners save automatically via M-Pesa M-Ratiba. Small daily amounts are allocated for rent, school fees, and investment goals—making saving simple and stress-free.
Goat Rearing Empowerment Program
Members save from KES 50 daily and invest in improved goat farming. In partnership with KAGRC, participants receive training and access to high-quality, disease-resistant goats for sustainable income.
MSME Growth Toolkit & Resources
Access the essential frameworks, financial policies, and strategic documents designed to scale your Kenyan agri-enterprise with transparency and trust.