Coffee
Kahawa
Coffee savings & input loans
Save through the cherry season and borrow for inputs, pruning and picking — repay when the crop pays you.
Member-owned · Western Kenya
Save with your harvest.
Own a share of it.
Shirikiana SACCO belongs to the farmers of Western Kenya. Save from your coffee, cane, milk and maize, earn dividends on your shares, and borrow affordably when it's time to grow — all from any phone.
Registered SACCO
Kakamega · Bungoma · Busia · Vihiga · Trans Nzoia
12,000+ members
12,000+
Members & growing
5
Counties served
4
Season-based products
*384*7#
Join from any phone
Who we are
A cooperative that belongs to its farmers.
Shirikiana SACCO was founded to put savings, shares and fair credit within reach of every farming household in the Western region. When you join, you don't just open an account — you become a part-owner.
Your savings stay and work in your own community. Your shares earn a dividend. And the surplus comes back to members like you, season after season.
shirikiana — v. (Kiswahili)
to come together; to cooperate; to share in one another's effort.
Savings & loans, built around your season
Four products. Rooted in what you grow.
Every crop has its own rhythm of planting, waiting and payday. Shirikiana's products follow that rhythm — so you save when the money comes and borrow before you need it.
Sugarcane
Miwa
Cane savings & harvest loans
Cane takes patience. Grow your savings while it grows, and reach harvest and transport loans at fair rates.
Dairy
Maziwa
Dairy savings & asset loans
Steady milk, steady savings. Borrow for feed, a heifer or a cooler and repay from your daily deliveries.
Harvest
Mavuno
Harvest savings & seed loans
From maize to beans, save every harvest and borrow for seed and fertiliser before the rains.
Getting started
Join from any phone. No smartphone needed.
Dial the code
On any Safaricom line, dial *384*7# to open the Shirikiana menu.
Register & set your PIN
Enter your details and choose a 4-digit PIN. It's the only password you'll ever need.
Save, own shares & borrow
Deposit, buy shares, apply for a loan and check your balance — any time, in your own language.
Prefer a bigger screen? The same phone number and PIN sign you in at the member portal.
Why members choose Shirikiana
Owned by members. Answerable to members.
Dividends, not fees
Surplus is shared back to members as dividends on the shares you hold.
Savings that compound
Put money aside from every season and watch it grow, safely, at your pace.
Loans at member rates
Affordable, transparent credit for inputs, assets, stock and school fees.
Rooted where you are
Run by people from the region who know the land, the seasons and the market.
Join today
Ready to grow with Shirikiana?
Opening your membership takes a few minutes and starts with a single call. Bring your ID and your phone — the rest happens on screen.