Every saver at Luvota SACCO is a part-owner, with a vote at the AGM and a share of the profits.
Luvota SACCO began when a small group of neighbours agreed to pool their savings so each of them could borrow without going to money lenders. That idea still runs everything we do.
Today thousands of farmers, teachers, traders and salaried workers save with us. Their deposits fund each other's homes, school fees and businesses, and the surplus comes back to them as dividends.
To help members build wealth through affordable savings and credit, delivered honestly and close to home.
A community where every family can save, borrow and grow with confidence.
Every decision starts with what is best for the people who own the SACCO.
Our results are shared at every AGM, and any member can ask how their money is used.
Interest on a reducing balance, no hidden charges, and loans sized to what you can repay.
The board is elected by members at the AGM. Management runs the SACCO day to day.
Chairperson, Board of Directors
Vice Chair, Board of Directors
Chief Executive Officer
Credit Manager