Unaitas
Unaitas SACCO Society Ltd · Nairobi (origins in Murang’a) · Established 1993
Grew from a tea farmers’ cooperative into one of Kenya’s largest community SACCOs, particularly strong for traders, farmers and small businesses.
Key figures
Spotted something outdated? Report it — corrections are reviewed against primary sources and updated with a new verification date.
Who can join
open bondOpen bond with deep roots in central Kenya farming communities; strong focus on traders, farmers and SMEs.
Typical requirements
- National ID
- Passport photo
- Entrance fee + share capital
Loan products
| Product | Amount basis | Max term | Interest |
|---|---|---|---|
| Biashara (SME) loan | Business-assessed | 48 months | Rate varies (sample) |
| Kilimo (agri) loan | Seasonal | 24 months | Rate varies (sample) |
| Development loan | 3x deposits | 60 months | Rate varies (sample) |
Always request loan terms in writing and confirm whether interest is charged flat or on reducing balance — the difference materially changes total cost. Understand guarantorship obligations before signing for anyone.
Access & channels
Official website: www.unaitas.com
Regulatory record
Appears on the SASRA register of licensed deposit-taking SACCOs. (Verify current status directly at sasra.go.ke.)
This section reports public-record facts only. FedhaLens does not rate institutions as “safe” or “unsafe”. Confirm current licensing directly on the SASRA website.
Six questions to ask before joining
These apply to every SACCO in Kenya, including this one. A well-run institution will answer all six readily.
- 1Can I see your current SASRA licence and latest audited accounts?
- 2What were the dividend and interest rates for each of the last five years — not just the best year?
- 3What are the full loan terms in writing: rate, method (flat vs reducing balance), fees and insurance?
- 4How does guarantorship work, and what happens to my savings if someone I guaranteed defaults?
- 5What is the process and timeline for withdrawing my deposits or exiting membership?
- 6How are directors elected, and when is the next AGM I could attend?
A note to Unaitas
Institutions have a standing right of reply on FedhaLens. To correct a figure (with a source), respond to anything on this page, or claim and verify this profile, write to institutions@fedhalens.com. Verified corrections are published with an updated verification date.