Best Customer Care

Bingwa Sacco Society Ltd (Former Kirinyaga Tea Growers Sacco Ltd) was registered in 1984 being the first of its kind in the Republic of Kenya and Africa. Initially, it started its operations with BOSA Services but introduced FOSA services in 1993 to meet the increasing demand by the growing membership. The Sacco was first licensed by SASRA (Sacco Societies Regulatory Authority) for deposit taking in year 2011 being among the first Saccos to be registered in the country. 

The society is managed by 7 Directors and 3 supervisory Directors elected directly by the members (shares holders). Currently we have over 153,000 members derived from all sectors of economy in the country.

Our Branch Network


The Society has a well spread 19 branches network Located in Kirinyaga, Kiambu ,Nairobi and Kajiado counties with its Head Office at Kerugoya Town. 
 The branches are Kagumo, Kerugoya, Karumandi, Kimunye, Kiangai, Kiamutugu, Kibirigwi, Ngurubani, Kutus, Kianyaga, Kagio, Accra Road Branch (Nairobi), Ndiriti, Githure, Kandongu, Baricho, Gatwe, Githurai and Kitengela (opposite Kitengela mall )and 8 mobile pay points which serve as advantage to our customers as it is service closer to the people.


Mobilization of savings/deposits, provision of quality, affordable credit and diversified services through prudent management that ensure optimum benefits to the members and other stakeholders


To be the leading SACCO in offering viable financial services to members within our area of operation for sustainable economic and social growth


To offer best customer care that ensures satisfaction of our members and acts as a watchtower of the sustainability, growth and development of the organization.


The Sacco is fundamentally guided by core values in rendering its services to members in line with accomplishing its goals, which are as listed below: 

        • Transparency
        • Integrity/Honesty
        • Focus, Accountability
        • Commitment
        • Quality
        • Prudence
        • Diversity 
        • Objectivity

At Bingwa Sacco we are committed to being transparent and accountable to our members at all time. 
Our staff and the board have always and shall always display professionalism in their work. 
 Our members, staff and the board shall endeavour to exhibit integrity in conducting the affairs of the society and as a society, we shall always uphold teamwork in order to achieve more together. Our strength comes from our customers and we shall always work hard to satisfy them and give them the best customer care