Our Story

CPA, Elizabeth W. Warui

Chief Executive Officer

At Bingwa Sacco, we are proud to be a leading Savings and Credit Co-operative Society, offering a wide range of financial services designed to meet the evolving needs of our members. Over the years, we have grown significantly, adapting our products to serve not only the financial needs but also the broader non-financial needs of our members.

With an asset value exceeding 10.4 billion, we have built a strong foundation that positions us well for continued growth and success. Our strategic plan is firmly aligned with our vision and mission, ensuring that Bingwa Sacco remains sustainable, responsive, and committed to the prosperity of our members.

As we look ahead, we are committed to:

  • Rewarding our members for their trust and loyalty.
  • Continuously improving our services to meet and exceed member expectations.
  • Ensuring we remain a pillar of financial security and opportunity for generations to come.

Our journey is far from over, and with the collective strength of our members and dedicated team, we are confident that better days lie ahead. Together, we will continue to grow, thrive, and achieve greater milestones.

Thank you for your continued support, and for being part of our shared success.

About Us
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Permanent Staff
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Active Members
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Branches in Kenya
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Agents in Kenya

Why Choose Us?

Member-Centered Values

Our success is driven by the values we uphold—not just financial returns. We are committed to creating lasting value for our members and making a positive impact in the communities we serve.

Tailored Financial Solutions

Our savings, credit, investment, and banking solutions are designed with flexibility in mind. With simple, transparent terms and conditions, we help you achieve your unique financial goals.

Strong Governance & Trust

We uphold the highest standards of corporate governance, transparency, and accountability, ensuring sustainable growth and safeguarding the interests of our members and stakeholders.

Listening & Engaging

We believe the best solutions come through collaboration. By actively engaging with our members and stakeholders, we continuously improve our products, services, and overall member experience.

Innovation for Your Future

We embrace technology and innovation to deliver secure, convenient, and accessible financial services—empowering you to bank anytime, anywhere.

Committed to Your Financial Freedom

Every product, service, and decision we make is guided by our commitment to empowering your financial freedom and helping you build a secure, prosperous future.

Benefits

Our team consists of highly qualified and experienced professionals who are committed to delivering exceptional service. We continuously invest in staff training and development to ensure every member receives expert financial guidance, personalized support, and prompt assistance with the highest levels of professionalism, integrity, and confidentiality.

2025

Reached a KSh 10 Billion Asset Base.

Achieving a KSh 10 billion asset base marked a significant milestone in our growth journey, reinforcing our position as one of Kenya's leading member-owned financial institutions, reflecting the trust of our members, prudent financial management, and sustained institutional strength.

2025

2024

Bingwa Mashinani Sacco Agency.

Our Agency Banking service brings Bingwa Sacco closer to you through a network of authorized agents, allowing you to access essential financial services conveniently without visiting a branch.

2018

Bingwa Prestige Insurance Agency.

Established Prestige Insurance Agency to provide members and the Sacco with convenient, reliable, and affordable insurance solutions. The agency offers a wide range of insurance products, ensuring comprehensive risk protection while complementing our financial services and enhancing member value.

2018

2011

SASRA Licencing

The Sacco was first licensed by SASRA (Sacco Societies Regulatory Authority) for deposit taking in year 2011 being among the first SACCO’s to be registered in the country.

2009

Rebranding to Bingwa Sacco Ltd.

Expanded our identity and opened our common bond to welcome individuals, businesses, institutions, and communities beyond the tea sector. This transformation marked a new chapter of inclusive growth, enabling us to serve a broader membership while remaining committed to cooperative values and financial empowerment.

2009

1993

FOSA Services introduced.

Marked a new era of convenience by launching FOSA services, giving members easy access to transactional accounts and a wider range of financial solutions.

1985

BOSA Services introduced.

Expanded our financial offerings by introducing BOSA services, empowering members with tailored savings and credit solutions to achieve their personal and business goals.

1985

1984

The Beginning.

The Sacco was registered as a Savings and Credit cooperative Society known as Kirinyaga Tea Growers Sacco. Where a pioneering group of farmers had come together, pooling their resources to create a financial basket, where they could save and advance loans at affordable rates.