Who we are!
From a Simple Idea to a Multi-Billion Shilling Institution
Our story begins here!
1969 at the Office of the President (OOP) a great idea was born. The employees of the Office of the President (OOP) came together and established a merry-go-round. The objective was to create a vehicle to promote a savings culture among themselves and to lend out short-term loans for personal growth and development.
From this noble idea, Harambee DT SACCO Society Ltd was formed and officially registered as a society in 1970 – Registration No. CS/1916
With the will of the people so strong and the desire for growth so big, it is not surprising that Harambee DT SACCO Society ltd continued growing from strength to strength to become a commercially autonomous, democratically controlled and self-reliant business enterprise serving the needs of over 70,000 kenyans through a network of FOSA branches in Nairobi, Mombasa, Kisumu, Eldoret, Nakuru and Nanyuki.
Today, with over Kshs. 38.69 Billion in assets, Harambee DT SACCO is feted among the largest societies in Kenya and uses its assets to empower members to live with dignity and accomplishment throughout their lives.
78,644 Membership
38.69B Assets
26.23B Member Deposits
315 Delegates
140 Employees
28 Harambee Pesa Agents
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1969
A defining moment: the birth of Harambee DT SACCO marked the beginning of a transformative financial movement for civil servants in Kenya.
From humble beginnings within the Office of the President, a vision was ignited—to empower members through unity and savings.
In 1969, Harambee DT SACCO was formed with a single purpose: to promote financial security and cooperative growth among public servants. Operating from its first office in the Office of the President (OOP), it laid the foundation for a trusted institution that would grow to become a cornerstone of financial empowerment in Kenya.
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1970
A vision made official: Harambee DT SACCO gains legal recognition and takes its first steps as a registered financial society.
Every great journey begins with a bold declaration — 1970 was that moment for Harambee DT SACCO.
Following its foundational year, Harambee DT SACCO was formally registered in 1970 under Registration No. CS/1916. This pivotal milestone gave the society legal status and set the stage for structured governance, membership expansion, and financial inclusion, shaping the cooperative into a trusted institution for generations.
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1979
A foundation for the future: Construction begins on Harambee Co-operative Plaza — a bold statement of progress and permanence.
Bricks and ambition: The Plaza symbolized not just space, but stability and vision for the growing SACCO community.
In 1979, Harambee DT SACCO broke ground on what would become a landmark in cooperative history — the Harambee Co-operative Plaza. This architectural endeavor represented a growing membership’s need for dedicated infrastructure and was a proud step toward institutional self-sufficiency and service excellence.
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1986
A vision realized: Harambee Co-operative Plaza opens its doors, anchoring SACCO operations in a permanent home.
From borrowed spaces to a purpose-built hub — a journey defined by persistence, growth, and purpose.
The completion of Harambee Co-operative Plaza in 1986 marked a turning point in the Society’s journey. After operating from the Office of the President (OOP), then Government Printers, and later Shankadas House, the SACCO finally established a dedicated headquarters — a proud testament to member commitment and organizational growth. The Plaza provided ample space to better serve the growing membership and advance the SACCO's long-term mission.
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2001
A new chapter begins: The launch of the first FOSA office in Nairobi revolutionizes member services.
Bringing services closer to members: A bold step toward accessibility and convenience.
In 2001, Harambee DT SACCO achieved another milestone by opening its first Front Office Service Activity (FOSA) office in Nairobi. This initiative marked a significant shift in how members accessed financial services, offering a one-stop solution for deposits, withdrawals, and other essential transactions. The Nairobi FOSA office became a cornerstone of member convenience, setting the stage for further expansion and innovation in service delivery.
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2014
A new frontier: The establishment of Harambee Investment Co-operative Society (HICs) broadens horizons for members.
Empowering members through diversified investment opportunities and collective growth.
In 2014, Harambee DT SACCO launched the Harambee Investment Co-operative Society (HICs), a strategic initiative aimed at providing members with access to lucrative investment opportunities. This milestone marked a significant expansion of the SACCO's mission, enabling members to pool resources and invest in high-value projects, fostering financial growth and long-term prosperity.
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2017
A technological milestone: Transitioning from Bankers Realm (BR) to Navision for enhanced efficiency.
Modernizing systems to meet the demands of a growing and dynamic membership.
In 2017, Harambee DT SACCO embraced a new era of technological advancement by migrating from the Bankers Realm (BR) system to the Navision platform. This strategic upgrade streamlined operations, improved service delivery, and positioned the SACCO for sustained growth in an increasingly digital world.
A digital breakthrough: First mobile banking platform acquired
Banking on the go: Financial services at your fingertips.
In 2017, Harambee DT SACCO acquired its first mobile banking platform, enabling members to access financial services conveniently from their mobile devices.
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2020
A golden milestone: Harambee DT SACCO marks Golden Jubilee
Celebrating 50 years of empowering members financially.
In 2020, Harambee DT SACCO celebrated its Golden Jubilee, reflecting on five decades of service and achievements in empowering members financially.
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2021
A new milestone: Harambee Insurance Agency is established
Protecting what matters: Tailored insurance solutions for members.
In 2021, Harambee DT SACCO launched the Harambee Insurance Agency, offering members customized insurance solutions to safeguard their financial well-being and future.
A new era begins: Open bond operationalization kicks off
Expanding horizons: A step towards inclusivity and financial accessibility.
In 2021, Harambee DT SACCO initiated the open bond operationalization, allowing more members to join and benefit from its services, fostering inclusivity and growth.
Our Philosophy
Our Vision
To be the most trusted SACCO
Our Vision
To be the most trusted SACCO
Our Purpose
We empower our members to live with dignity and accomplishment throughout their lives.
Our Purpose
We empower our members to live with dignity and accomplishment throughout their lives. Empowerment is about members experiencing more joy of saving, having peace of mind because they are confident to face financial uncertainties; and satisfaction and fulfilment because they are part of a SACCO that cares and provides them with opportunities for advancement and personal growth.
Our Core Values
Accountability & Empowerment, Service & Empathy
Our Core Values
Accountability & Empowerment: We hold people accountable for performance and We give our people the legitimate right to make judgement, form conclusions, reach decisions, and then act.
Service & Empathy: We are obsessed with serving our members and We step into the shoes of our members to understand their feelings and perspectives, and use that understanding to guide our actions.
What Makes Us Different
1. Our values in action
Harambee DT SACCO is committed to redefining how co-operatives business is done. This way we can help our members and their local communities thrive financially, socially and environmentally.
We aren’t doing this alone. Our members are as much a part of this as we are. With members’ contributions, we can place the right tools and resources in the hands of trusted individuals working to make our world a better place.
Accountability & Empowerment: We hold people accountable for performance and we give our people the legitimate right to make judgement, form conclusions, reach decisions, and then act.
Service & Empathy: We are obsessed with serving our members and we step into their shoes to understand their needs and guide our actions.
2. It is what is in it for you!
- Quick access to affordable loans through Harambee M-Cash
- Access your money ANYTIME ANYWHERE via M-Cash, ATM, or agents
- Low interest rates on loans and collateralized loans
- Safety of your funds
- Access to plots through Harambee Investment Cooperative Society (HICS)
- Mortgage facilities (Harambee Home Loan and Jenga Loan)
- Insurance cover for you and dependants via Sink Fund
- Handle all your insurance needs with Harambee Insurance Agency (HIA)
- Self-service via our member portal
- Lucrative dividends and interest rebates
- Empowerment via member education forums
3. Member Education
We organise periodic member education forums aimed at interacting with our members and updating them on our new products, services, and developments. These forums also enlighten members on investments and business management.
4. Your Power, Your Money, Your Well-being
Your Power: As a co-operative, our members are our only shareholders. That means you have a say in how we put our profits to work.
Your Money: Your deposits earn competitive returns for you, while supporting businesses and organizations making a positive impact.
Your Well-being: It’s not just about what you need now. It’s about ensuring you’re supported long-term too.
Awards & Recognition
Recognized for excellence in the cooperative movement.
Our Picture of Success
As we celebrate over 56 years of existence, a kaleidoscope of memories spring to mind.
From a basic SACCO, Harambee DT SACCO now prides itself as a special-purpose vehicle poised to meet and exceed the expectations of its growing membership. The SACCO has embarked on digitalization, innovation, and institutional strengthening with the ultimate goal of attracting and retaining a large, loyal, youthful, and diverse membership. This is done by offering superior personalized customer experiences and providing innovative products and services that enhance the social and financial well-being of our members.
Our plan is to expand our activities five-fold between now and the year 2030.
We aim to reach out to hundreds of thousands of Kenyans. Harambee DT SACCO's vision of success includes becoming a SACCO with regional presence — a large one-stop financial solutions provider serving a membership that mirrors Kenya’s demographics. We are committed to offering value-added services to key growth sectors of the economy such as Agriculture, Energy, and beyond.
Translating ambition into transformation.
Our ambitious plans for expansion present a tremendous opportunity to meaningfully engage in the national economy. Through this, we aim to drive total societal transformation — not only for today’s generation, but also for future ones to come.
