Savings, shares and member credit
SACCO
Regular savings and share capital recorded per member, with access to credit subject to eligibility and approval under the applicable rules.
View venture detailsWelfare · SACCO · Credit
Savings, welfare and credit for the Upatanisho community
Join a member community built around disciplined saving, mutual support and responsible access to credit — with clear records and accountable processes across every venture.
Separate venture records
Controlled approvals
Digital receipts
Member statements
One platform. Three independent ventures.
Members can belong to one or more ventures while each venture keeps its own membership and financial records.
Our ventures
Three services with clearly separated records
Upatanisho brings together member savings, welfare support and responsible credit through three coordinated ventures. Members use one profile while each venture maintains its own membership, financial records, rules and reporting.
Upatanisho ventures
Welfare, support and group programmes
Self Help Group
Organised welfare support for qualifying cases and group savings programmes, with clear contribution records.
View venture detailsStructured access to responsible credit
Credit Venture
Business, development and emergency credit subject to eligibility, review and approval under the applicable lending rules.
View venture detailsMember confidence
Clear records. Accountable processes.
Upatanisho maintains member records, contributions, receipts, loans and approvals through structured processes designed to support accountability across its ventures.
Member protections
Receipts and statements
Member payments are recorded against the appropriate account so receipts and statements can be produced from the same financial records.
Role-based access
Members access their own records while officers work through assigned roles, permissions and venture responsibilities.
Controlled approvals
Important financial actions follow defined review and approval stages designed to support accountability and separation of duties.
Separate venture books
SACCO, Self Help Group and Credit Venture records remain financially separated while members can use one profile.
Membership
A clear path from application to an active account
Applications are submitted online, verified with the required information and documents, and activated only after review and approval by an authorised officer.
Membership process
- 1
Choose your venture
Review the purpose and requirements of the SACCO, Self Help Group and Credit Venture, then decide where you want to participate.
- 2
Start your application
Create an applicant account online with a few basic details when public registration is open.
- 3
Complete verification
Complete your profile, add beneficiary details and upload the required supporting documents for review.
- 4
Approval & activation
An authorised officer reviews the application. Membership becomes active only after approval.
Stay informed
Official notices and community activity
Use the dedicated public pages for leadership notices, meeting information and approved activity photos.
Official updates
News & Events
Read official member notices, meeting information, training updates and organisation announcements.
View official updatesCommunity Gallery
See approved highlights from meetings, trainings, welfare activities and member programmes.
View galleryQuestions
Frequently asked questions
Next step
Understand the membership requirements before you apply
Compare the ventures, review the required information and use the member portal if you already have an activated account.