Empowering sugarcane farmers in Muhoroni with financial solutions built for sustainable agricultural growth.
Supporting sugarcane farmers with affordable loans, high-yield savings, and real dividends since 2019.
Join thousands enjoying competitive loan rates, strong dividends, and the power of cooperative finance.
Access affordable credit for farm development, equipment, education, and family emergencies.
From crop advances to emergency loans — we've got you covered every season.
Financial solutions tailored to the agricultural cycle of Muhoroni's sugarcane farmers.
Your savings grow here. So does your farm, your family, and your future.
Your savings grow here. So does your farm, your family, and your future.
Earn dividends. Build savings. Access credit. Grow your farm.
Earn dividends. Build savings. Access credit. Grow your farm.
From crop development to education — we finance the dreams of Muhoroni farmers.
From crop development to education — we finance the dreams of Muhoroni farmers.
We are your financial partner for every season, every harvest.
We are your financial partner for every season, every harvest.
We are your financial partner for every season, every harvest.
We are your financial partner for every season, every harvest.
We are your financial partner for every season, every harvest.
We are your financial partner for every season, every harvest.
We are your financial partner for every season, every harvest.
Tailored financial solutions designed around the real needs of sugarcane farmers in Muhoroni.
Regular savings with minimum 5% income deduction. Earn attractive annual dividends and use savings as loan security.
Learn moreSpecial savings for sugarcane farmers to fund crop maintenance, replanting, and seasonal farming operations.
Learn moreDedicated savings for your children's school and college expenses — securing their future one term at a time.
Learn moreAccess credit up to 3× your savings for crop development, fully secured by your accumulated savings balance.
Learn moreFinance farm infrastructure, home construction, and agricultural equipment with affordable repayment terms.
Learn moreQuick-access funds for hospital bills, school fees, or urgent needs — approved and disbursed within 24 hours.
Learn moreGroup insurance cover helping members meet funeral expenses during their most difficult moments of grief.
Learn morePartner with Agrologistics (K) Ltd for co-financing and expert farm management to maximize productivity.
Learn moreCategory A: KES 100,000 · Category B: KES 10,000. Payable over 12 months. Own your stake in the SACCO.
Learn moreExperience the real advantages of belonging to a cooperative built by farmers, for farmers.
10% dividend on KES 20,000 savings = KES 2,000 earned annually — better than any mattress!
Access loans up to three times your savings with just one guarantor — no land title required.
Automatic monthly deductions develop consistent savings habits and secure your future.
Funds for hospital bills or school fees approved and disbursed same-day or next-day.
Annual education days, exchange programs, and study tours to expand your agricultural knowledge.
Joint venture farming, management services, and financing from our partner Agrologistics (K) Ltd.
You're an owner with real voting rights. Your success and challenges are our collective mission.
Unlike banks with ledger fees, we are 100% transparent. Your money works only for you.
See how we're transforming lives and farms across the Muhoroni sugarcane belt.
Real voices from the farmers whose lives have been transformed by AFS SACCO.
"Since we bought land in Fort-Tenan in 1967, I have never seen anything like this. My orphaned grandchildren can now go to school and secure their future. May God bless you."
"The joint venture farming arrangement transformed my life. I constructed a permanent house and paid school fees for my children from the income. A true blessing!"
"The team spirit at AFS is incredible. I got an emergency loan within 24 hours when my child fell sick. This SACCO truly lives the spirit of 'people helping people'."
Simple steps to join AFS SACCO and begin your journey to financial prosperity.
Pay a one-time registration fee to officially become an AFS SACCO member.
Choose your preferred membership category based on your capacity.
Submit certified copies of the following identification documents:
Make an initial share capital deposit upon completing your registration.
Commit to monthly contributions to build your loan collateral and earn dividends.
Start enjoying all SACCO benefits from day one of membership:
Take your first step towards financial freedom and agricultural prosperity with AFS SACCO today.