The SACCO Treasurer Playbook cover
SACCO & Cooperatives

The SACCO Treasurer Playbook

A reference for SACCO treasurers and committee members — share capital, loan books, dividends, SASRA compliance, and keeping your members' money safe.

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  • Share capital vs. deposits: what the difference does to your members
  • Building a loan policy that doesn't silently bleed the SACCO
  • Dividend declaration: how the maths really works
  • SASRA reporting calendar and the templates you need
  • Spotting fraud before it gets large enough to hurt
  • AGM financial report — what members want vs. what they get

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SACCOs are the quiet backbone of Kenyan finance — and the treasurer's job is the hardest one in the room. This handbook walks through the structures that make a SACCO sustainable: deposit/share split, loan policy, dividend declaration, and the SASRA reporting cycle.

For both informal SACCOs and SASRA-regulated ones. Includes templates for loan application, dividend computation, monthly trial balance, and the AGM financial report members actually want to read.