At Kimisitu DT Sacco, members contribute through Share Capital and Deposits. These two contributions are the backbone of the Sacco, but they serve different purposes. Understanding how they work will help you get the most from your membership.
What is Share Capital?
Share Capital represents your ownership in Kimisitu DT Sacco. When you join, you become a co-owner by purchasing shares. This gives you:
- Voting rights during the Annual General Meeting (AGM).
- Dividends when the Sacco performs well.
- A permanent stake, since Share Capital is non-withdrawable while you remain a member.
By 2025, the minimum share capital requirement is Kshs 30,000, with a one-time joining fee of Kshs 1,000.
What are Deposits?
Deposits are your savings contributions made every month as part of your membership. They are more flexible and directly tied to your financial benefits:
- Act as loan security and determine how much you can borrow.
- Earn interest every year, based on Sacco performance.
- Refundable when you exit the Sacco, provided all loans are cleared.
- The minimum monthly deposit contribution is Kshs 3,000.
Why Both Matter?
Share Capital secures your stake as a co-owner of Kimisitu Sacco.
Deposits grow your savings and give you access to loans.
Together, they build both your financial strength and Sacco’s stability
At Kimisitu DT Sacco, your contributions are more than just savings they are a pathway to ownership, growth, and financial empowerment
