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Kenya's Digital-First SACCO

Save Smarter. Borrow Faster.
Build the Life You're Working For.

MOCO SACCO turns steady saving into real loans — for school fees, business growth, emergencies, and the future you're building. Entrepreneurs, families, and professionals across Kenya bank with us, all from their phone.

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Transparent Governance
Digital Banking
Member-First
Fast Loan Processing
Loan approved
Ksh 50,000
Savings growth
+12.4%
Good morning MOCO Member
M
Total Savings
Ksh 124,500
Wakandi CAMS Account
Deposit
Withdraw
Loans
Active Loan
● Active
Ksh 30,000
Fast
Loan Processing
100%
Digital Access
24/7
USSD & App Banking
4+
Financial Products
Trusted & Transparent
Integrity at every step
Fast Loan Processing
Minimal paperwork
100% Mobile Access
App + USSD *789103#
Member-First Culture
You are our priority
Affordable Credit
Rates built for members
Trusted By A Growing Community
600+
Active Members
100%
Digital Banking
App · USSD · Online Portal
3×
Savings Loan Multiplier
Borrow up to 3x your savings*
24/7
Access Your Account
Mobile App · USSD · Web Portal

*Subject to eligibility and product terms.

Built For You

Wherever You Are in Life, MOCO Fits.

One SACCO, built around how different Kenyans actually earn, save, and grow.

Employees & Professionals

Automate savings straight from payday and build a loan limit you can rely on — for rent, fees, or your next big goal.

Business Owners & Traders

Get working capital fast to restock, expand, or seize an opportunity — without the wait of a traditional bank.

Farmers & Agribusiness

Seasonal loans and savings built around your farming calendar — for seed, equipment, and expansion.

Parents & Families

Save consistently for school fees, emergencies, and family milestones — with a partner that plans ahead with you.

Chamas & Groups

Register your chama as a group and access joint savings, group loans, and financial literacy support.

Youth & Students

Build your first savings habit and credit history early — so when opportunity knocks, you're ready.

Instant Mobile Loans

Cash When You Need It.
In Minutes, Not Days.

Fast, Mobile-First Processing

Apply for a loan from your phone. Our streamlined process means you get a decision fast — without queuing at an office or drowning in paperwork.

Borrow Up To 3× Your Savings

The more you save with MOCO, the more you can access. Your savings history directly determines your loan limit — rewarding disciplined members.

Flexible Repayment Terms

We structure repayments around your cash flow — not a rigid bank schedule. Emergency loans, business loans, and BOSA loans each have tailored terms.

Affordable, Member-Focused Rates

MOCO SACCO is not a bank chasing profit. Our interest goes back into the cooperative — keeping rates low and benefits high for every member.

Apply in 4 Simple Steps
1

Join MOCO SACCO

Register online at cams.wakandi.ke/join/480 — takes under 5 minutes.

2

Build Your Savings

Start contributing via M-Pesa or the Wakandi CAMS app. Every shilling grows your limit.

3

Apply on Your Phone

Submit your loan request through the app or dial *789103# from any phone.

4

Receive Your Funds

Approved funds are sent straight to your M-Pesa. No delays, no surprises.

Dial from any phone
*789103#
Works on Safaricom, Airtel & Telkom
Apply for a Loan Now
For Business Owners

We Understand How Business Works in Kenya

Whether you run a retail shop in Gikomba, a salon in Westlands, or a matatu business in Mombasa — MOCO SACCO is built for the way you actually operate. Fast capital. Flexible terms. A partner that moves with you.

Talk to a Business Advisor

Stock Financing

Never lose a sale because your shelves are empty. Access working capital to restock fast — before your competitor does.

Cash Flow Support

Bridge the gap between supplier payment and customer collection. Keep operations smooth even in slow seasons.

Equipment Purchase

Upgrade your tools and machinery without draining reserves. Finance the equipment that grows your revenue.

Business Expansion

Ready to open a second location? Expand your premises? MOCO SACCO can structure a loan around your growth plan.

Supplier Payments

Pay your suppliers on time every time. Protect your business relationships and unlock better credit terms with them.

Working Capital Loans

Day-to-day capital to pay staff, cover overheads, and keep the engine running while you focus on growth.

Your Future

People Don't Join a SACCO.
They Join a Better Life.

MOCO SACCO is the financial tool that connects where you are today to the future you're working towards.

🏪

Build Your Business

Stock up, expand, hire — grow the business you've always envisioned.

🏠

Own Your Home

Use BOSA savings to build or buy the home your family deserves.

🎓

Educate Your Children

FOSA accounts designed to keep school fees covered every term.

📈

Invest & Build Wealth

Earn competitive returns on your savings while your money works for you.

🛡️

Handle Any Emergency

Emergency loans disbursed fast so a crisis never becomes a catastrophe.

Products & Services

Everything You Need to Save, Borrow & Grow

Six powerful financial tools built around one purpose: making you financially stronger.

Savings Accounts

Grow your money with attractive returns. Regular savings with MOCO build your loan limit, your wealth, and your future — one deposit at a time.

Start Saving

Loans

Quick, affordable, and flexible loans for your personal or business needs. Apply on your phone and receive funds directly to M-Pesa.

Apply Now

FOSA Accounts

Front Office Service Activity accounts for education savings, payroll deductions, and disciplined goal-based saving. Secure your children's future today.

Open FOSA

BOSA Accounts

Back Office Service Activity accounts designed for long-term goals — owning land, building a home, or creating generational wealth with structured discipline.

Open BOSA

Emergency Loans

Life doesn't wait. When the unexpected strikes — medical bills, urgent repairs, family emergencies — MOCO SACCO moves fast so you're never caught unprepared.

Get Emergency Loan

Value Added Services

Financial literacy programs, investment guidance, and business advisory support — because MOCO SACCO invests in your knowledge, not just your account balance.

Learn More
Digital Banking

Your SACCO,
Always in Your Pocket

Manage your savings, check balances, apply for loans, and track your financial health — anytime, anywhere, from any device.

Verified & Secure Membership

Confirm your membership status instantly online. Your account is protected and verifiable at any time.

Real-Time Balance & Statements

See your savings, loan balance, and transaction history updated in real time — no waiting for monthly statements.

M-Pesa Integrated Deposits

Deposit to your account directly via M-Pesa. No trip to an office. No queues. Money in seconds.

Instant Loan Applications

Apply, track, and manage your loans entirely through the app or USSD — from your first application to final repayment.

Access Methods

Three Ways to Bank with MOCO

Use whatever works for you — smartphone, feature phone, or browser.

📱
Mobile App
Wakandi CAMS
Available on Android & iOS — full account management
📞
USSD — Works on any phone
*789103#
Check balance, apply for loans & deposit — no internet needed
🌐
Online Portal
cams.wakandi.ke
Verify membership & manage your account from any browser
💬
WhatsApp Support
0116 060 070
Talk to a real MOCO team member — fast, friendly support
Financial Tools

See Your Numbers Before You Decide

Use our calculators to plan your loan repayments or project your savings growth. No commitment required.

How much do you need?

Loan Amount Ksh 50,000
Ksh 10,000Ksh 500,000
Repayment Period 12 months
1 month24 months
Monthly Interest Rate 1.5%
1% / month3% / month

Actual rate set by MOCO SACCO based on product and member profile.

Monthly Repayment
Ksh 0
Loan AmountKsh 50,000
Total InterestKsh 0
Total RepaymentKsh 0
Loan Term12 months
Apply for This Loan →

Estimates only. Final terms confirmed by MOCO SACCO.

How much will you save?

Monthly Contribution Ksh 5,000
Ksh 500Ksh 50,000
Saving Duration 24 months
6 months60 months
Annual Return Rate 8%
5% p.a.14% p.a.

Actual returns confirmed at member AGM each year.

Projected Total Value
Ksh 0
Total DepositedKsh 0
Interest EarnedKsh 0
Loan EligibilityUp to Ksh 0
Duration24 months
Start Saving Today →

Projections only. Actual returns vary per product.

How to Join

From Stranger to Member in 4 Steps

Joining MOCO SACCO takes less than 10 minutes. No office visit required to get started.

1

Pick Up a Membership Form

Download and complete the membership form online at cams.wakandi.ke/join/480 — or collect one from our Nairobi office.

2

Fill & Submit

Complete the form with your personal details and required documents. Submit online or drop off at our Old Mutual Building office.

3

Pay Your Shares

Purchase your minimum share capital as per MOCO SACCO requirements. This is your stake in the cooperative.

4

Start Enjoying Benefits

Welcome to the MOCO family. Access savings tools, apply for loans, and start building your financial future immediately.

Membership is open to individuals, business owners, employers, employees, and groups.

Join MOCO SACCO Today Ask a Question on WhatsApp

Member Focused

We put our members at the heart of every decision — every product, policy, and process is designed for your benefit.

Trusted & Transparent

We uphold integrity, accountability, and openness at every level. No hidden fees. No surprises. Just honest financial services.

Affordable & Accessible

Financial solutions that work for every income level. From the small shop owner to the salaried professional — MOCO is built for you.

Strong & Sustainable

We invest in growth for a stronger future — together. MOCO SACCO is built to last, and built to grow with every member who joins.

Member Stories

Real People. Real Results.

MOCO SACCO members are entrepreneurs, parents, and professionals building better financial futures — one step at a time.

★★★★★

"I needed capital to restock my shop before the back-to-school season. MOCO SACCO processed my loan so fast I could hardly believe it. Within days, my shelves were full and I made more that month than the entire previous quarter."

Grace, MOCO SACCO member
Grace Wanjiru
Retail Shop Owner, Kawangware
★★★★★

"As a boda boda rider, I never thought a SACCO would work for me. MOCO proved me wrong. I used an emergency loan to repair my motorbike quickly, and now I'm saving every month. This SACCO actually understands how we work."

James, MOCO SACCO member
James Omondi
Boda Boda Entrepreneur, Kisumu
★★★★★

"Our chama joined MOCO SACCO as a group and it changed everything. We now have real savings accounts, access to business loans, and financial literacy workshops. We're building wealth together — exactly what a cooperative should do."

Mary, MOCO SACCO member
Mary Njeri
Chama Treasurer, Nairobi
FAQs

Questions? We Have Answers.

Everything you need to know before joining MOCO SACCO. Still unsure? WhatsApp us directly.

Who can join MOCO SACCO?

MOCO SACCO is open to individuals, business owners, employers, employees, and groups or organisations. Whether you're a sole trader, a salaried professional, a chama, or a small business — you are welcome. If you live, work, or operate in Kenya, you can apply for membership.

How do I join MOCO SACCO?

You can join online at cams.wakandi.ke/join/480 — it takes under 10 minutes. Complete the membership form, submit your documents, pay your share capital, and you're in. You can also visit our office at the Old Mutual Building, 3rd Floor, Room 327, Nairobi.

How quickly can I get a loan after joining?

Loan eligibility begins as soon as you start saving regularly. The more consistently you save, the faster you build your loan limit. Emergency loans can be processed very quickly for qualifying members. MOCO SACCO is designed to move fast — we know your needs don't wait.

How much can I borrow?

Your loan limit is directly linked to your savings balance. Members can typically access up to 3× their savings in loans, depending on the loan product. The more you save with MOCO SACCO, the more you can access. Use our loan calculator above to get an estimate.

What documents do I need to apply?

For membership, you will need a valid National ID or Passport, a passport-size photograph, and your KRA PIN certificate. Additional documents may be required for specific loan products. Contact us on WhatsApp at 0116 060 070 for the full checklist based on your situation.

How do I deposit savings or repay a loan?

You can deposit savings and repay loans directly via M-Pesa through the Wakandi CAMS app or by dialling *789103# from any phone. You can also make payments at our office. All transactions are updated in real time on your account.

What is the difference between FOSA and BOSA accounts?

FOSA (Front Office Service Activity) accounts are for everyday financial transactions — deposits, withdrawals, education savings, and salary processing. BOSA (Back Office Service Activity) accounts are long-term cooperative savings used to build shares and qualify for bigger loans — such as home or land purchase financing. Both are available to all members.

How do I contact MOCO SACCO for support?

You can reach us on WhatsApp or call: 0116 060 070, email us at moccosaving@gmail.com, or visit our office at Old Mutual Building, 3rd Floor, Room 327, Nairobi. Office hours are Monday – Friday, 8:30 AM – 5:00 PM.
Get Started Today

Together We Save.
Together We Grow.

Your SACCO should do more than hold your money. MOCO SACCO is a growth partner — giving you the capital, savings tools, and support to build the life you deserve.

Join MOCO SACCO Chat on WhatsApp Call Us

Office: Old Mutual Building, 3rd Floor, Room 327, Nairobi  ·  moccosaving@gmail.com  ·  Mon–Fri 8:30 AM – 5:00 PM

Why Join MOCO Today

Four Reasons to Join Right Now.

600+ Active Members

Join a growing community committed to saving, borrowing, and building wealth together.

100% Digital Banking

Manage your account anytime, from anywhere — app, USSD, or web portal.

Affordable, Member-Focused Credit

Borrow responsibly with products built for members, not shareholders.

We're Just Getting Started

Become a founding-era member and help shape the future of MOCO SACCO.

Our Leadership

People Who Serve Members First.

Governed by professionals accountable to you, the member.

MOCO SACCO Chief Executive Officer

Chief Executive Officer

Leadership

MOCO SACCO Board Member

Board Member

Governance

MOCO SACCO Credit Officer

Credit Officer

Loans & Credit

MOCO SACCO Customer Care Lead

Customer Care

Member Support

Our Partners