About Us Loan Products By-Laws & Rights Loan Calculator Savings Rules FAQ Official Policy News Contact
Join SACCO Member Login
Registered office: Kayole Junction, Njiru Ward, Kasarani Sub-County — next to KAG Church Primary School, off Kangundo Road. Get Directions →
Who We Are

About Junction Traders’ SACCO

Junction Traders’ Savings and Credit Co-operative Society Limited (JTS SACCO) is a member-owned financial cooperative established to empower traders, entrepreneurs, employees, and small business owners through a culture of saving, responsible borrowing, and mutual economic support.

Founded on the principles of cooperation, transparency, and shared prosperity, JTS SACCO provides members with a secure platform to save regularly, access affordable credit facilities, and improve their financial well-being. Every member is both an owner and a beneficiary, ensuring that the Society operates in the best interests of its members while promoting sustainable economic growth within the community.

How JTS SACCO began

Junction Traders’ SACCO (JTS) was established in 2023 as an initiative of the KSD SHG Society, with the primary objective of uplifting traders, entrepreneurs, and members of the community through cooperative financial services.

The Society was formed to encourage members to cultivate a savings culture by making regular deposits, which collectively create a reliable source of funds. These funds are then made available to members as affordable loans for productive, provident, and income-generating purposes.

The Society’s Savings & Loan Policy, which now governs every loan and deposit, was adopted by the committee and signed by Chairman Joshua Mamboleo and Secretary Damaris Wambua on 30th March 2026.

2023
Founded as an initiative of the KSD SHG Society
3×
Deposits members can borrow against
Cap 490
Registered under the Cooperative Societies Act
2026
Official Savings & Loan Policy adopted
Our Direction

Mission & Vision

Our Mission

To give traders and small business owners in Kayole Junction a place to save consistently and borrow on fair terms — 2% on a reducing balance for most loans, capped at three times what a member has saved, so the size of the credit always tracks the discipline behind it.

Our Vision

A SACCO run the way the by-laws describe it: member-owned, one vote per member regardless of shareholding, and every lending decision traceable back to the officially adopted Savings & Loan Policy.

What Guides Us

Our Core Values

Our operations are guided by values that define who we are and how we serve our members.

Self-HelpEvery individual can improve their life through commitment, discipline, and collective effort.
Mutual ResponsibilityMembers work together to strengthen one another while sharing responsibility for the Society’s success.
EqualityEvery member is treated fairly and enjoys equal rights, opportunities, and participation.
EquityFairness in all our decisions, ensuring equal consideration based on cooperative principles.
HonestyIntegrity, transparency, and accountability guide every transaction and decision we make.
OpennessWe embrace open communication, transparency, and member participation in all Society affairs.
Social ResponsibilityContributing positively to our communities through ethical business practices, financial literacy, and sustainable development.
Internationally Recognized

Our Cooperative Principles

Junction Traders’ SACCO operates in accordance with internationally recognized cooperative principles that promote democratic participation and sustainable growth.

01

Voluntary & Open Membership

Membership is open to all eligible individuals willing to accept the responsibilities of membership, without discrimination.

02

Democratic Member Control

The Society is democratically governed by its members, who actively participate in decision-making and elect their leadership through transparent processes.

03

Members’ Economic Participation

Members contribute equitably to the Society’s capital through regular savings and share in the benefits generated by the cooperative.

04

Autonomy & Independence

JTS SACCO remains an independent, self-governing organization managed solely for the benefit of its members.

05

Education, Training & Information

We continuously provide education and financial literacy programs so members, leaders, and employees can contribute effectively to the Society’s growth.

06

Cooperation Among Cooperatives

We build partnerships with other cooperative organizations to strengthen the cooperative movement and create greater opportunities for our members.

Why Join JTS? 8 reasons, no sales pitch

Eight concrete reasons members give for saving here rather than a bank or a table-banking group.

Secure, Disciplined SavingsA safe platform to build a regular savings habit.
Affordable LoansFair, competitive interest rates on every loan product.
Business & Personal GrowthFinancial support for expansion and personal development.
Financial EducationAccess to literacy and capacity-building programs.
Equal OwnershipFull participation and an equal vote in the Society.
Transparent GovernanceAccountable leadership and documented policy.
Trust & UnityA cooperative community that values shared prosperity.
Growing InvestmentsOpportunities to grow your shares while improving your future.

Every rate, cap, and rule above comes straight from the officially adopted Savings & Loan Policy — nothing here is a sales promise.

Join the SACCO Today

→ Visit us

Our Location

We warmly welcome both existing and prospective members to visit our offices, learn more about our services, and become part of a cooperative dedicated to financial growth, integrity, and shared success.

Registered Office Kayole Junction, Njiru Ward
Kasarani Sub-County, Nairobi County, Kenya
Next to KAG Church Primary School, off Kangundo Road
Postal Address P.O. Box 782 – 00518
Nairobi, Kenya
Email Address junctiontraders2023@gmail.com
Cap 490
Cooperative Societies Act
Reg. 2023
Commissioner Certified