Empowering Members.
Building Better Futures.
Saving Together, Growing Together. Your trusted partner in financial empowerment — providing affordable credit and dynamic services to members across the Republic of Kenya.
SAVE Wisely
Build disciplined savings with competitive returns.
BORROW Easily
Affordable credit, fast turnaround, fair terms.
GROW Steadily
Compound your wealth through prudent investing.
TOGETHER We Prosper
A cooperative built on shared success.
A Cooperative Built for Generations
Established in 2022 and duly registered with the Registrar of Cooperatives under the Ministry of Trade, Industry, and Cooperatives. A separate legal entity with perpetual existence — unaffected by death, insolvency or incapability of individual members.
To be the leading SACCO providing quality and dynamic services to our members.
To give members the opportunity to mobilize savings and provide affordable credit facilities for the promotion of socio-economic welfare — through prudent management, diversified products, and stakeholder care.
Ngong Road, Nairobi — Serving All of Kenya
Operational throughout the Republic of Kenya with our headquarters on Ngong Road, Nairobi, alongside dynamic branches nationwide.
Our Core Values
Loan Products Engine
Six purpose-built credit facilities — explore terms, calculate your eligibility, and apply in a few clicks.
Asset Finance Loan
Build assets. Acquire land. Grow legacy.
- 5× savings less outstanding scheme loans
- Open to other land projects beyond Sacco land
- Up to 60 months repayment
Loan Calculator
Your Card. Your Cooperative.
Become a registered member and unlock the full power of Falem SACCO — from credit to community.
Why Become a Member?
Membership unlocks every benefit Falem SACCO offers — including access to all six loan products, dividends, and a national member network.
- Affordable credit at competitive rates
- Dividends on share capital and interest on deposits
- Financial literacy & investment training
- Member-owned governance with democratic voting
- Secure savings backed by perpetual legal entity
Pay via M-PESA Paybill 522533, Account No. 9668551. Then reach out via the contact form below — we'll handle the rest.
Team & Gallery
"The Board is the governing body of the Sacco, mandated with the overall oversight role to ensure the organization is well-managed and its financial situation remains sound."
Leadership
Member Spotlight
Empowerment & Training
Continuous financial literacy and prosperous management seminars — taken directly to our members on the ground.
On-Site Financial Literacy
On-site continuous financial literacy and investment training for members across the network.
Group Empowerment Seminars
Interactive group seminars focused on personal development and prosperous management strategies.
Talk To Falem SACCO
Reach our FOSA desk for membership verification, loan applications, or general enquiries.
Contact Details
We typically respond within one business day.