Who can Join

Since its formation in 1969, Harambee DT SACCO Society Ltd has been operating on a common bond model. The society primarily drew its membership from Government institutions.The society through the 47th Annual Delegates meeting discussed and endorsed a proposal to open the common bond. The society operationalized the open bond in year 2020 and currently Kenyan citizens who fit within the various determined categories are eligible to join Harambee DT SACCO Society Ltd.Opening the common bond presents the Society with an opportunity for faster growth and expansion. 

 Membership Categories

The following member categories are eligible to join Harambee DT SACCO Society Ltd.

Members under check-off arrangement

Employees working for Government and other reputable non-government Institutions – This category consists of employees working for government and/or other reputable institutions and employees of Harambee DT SACCO Society Ltd and its subsidiaries. The institutions must be willing to undertake an MOU with the society that guides how monthly member remittances shall be done.

Members under non-check off arrangement (Individuals)

  1. Wafanisi – This category consists of existing members who join the Society while employed and on retirement wish to continue being members.
  2. Individuals in formal employment with regular income – This category shall consist of Individuals who are employed and wish to join the Society (on an individual basis)
  3. Diaspora members – This category consists of any Kenyan citizen living outside the country and has a regular legal income.
  4. Spouses of our members – This category consists of the spouses of our members as long as they are employed or in business with regular income.
  5. Children of our members – This category consists of the children of our members as long as they have attained 18 years of age.

 Groups (Chamas), Registered CBOs and NGOs

This category consists of legally registered Self Help Groups, Community Based Organizations (CBOs) and Non-Governmental Organizations (NGOs).

The groups, CBOs anlad NGOs shall be admitted into membership in accordance with the By-laws and the membership policy provided.

Corporates

  1. Sole Proprietorship – Sole Proprietorship is the simplest legal form of a business entity. This category consists of registered businesses owned by individuals e.g. Salons, clinics, restaurants and retail stores e.t.c,
  2. Partnerships – This category consists of registered business entities owned by more than one person and governed by a partnership deed.
  3. Companies – This category consist of both Companies Limited by shares and Companies Limited by guarantee. 

 Membership Requirements: 

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