Share capital is the permanent member contribution toward the Sacco capital and forms part of Sacco equity. Shares cannot be withdrawn even on exit from the Sacco but can be transferred to another willing member.

As a member of a SACCO, you are allowed to borrow up to 4 times their savings, provided they give a form of security. If you wish to take a loan after the required 6 months of regular contribution and depending on the type of loan, you will be eligible to borrow up to four times (4x) the amount you have in your Sacco Main Savings Account.