Get well researched, accurate and the latest details on Boresha Sacco’s Contacts, Branches, Loans, Savings, Dividends, Membership Requirements and Shares. This article also provides complete details on the Sacco’s Mobile Banking, USSD Code, Mobile App, M-Pesa Paybill Number, ATM Cards, BOSA Products, FOSA Services and Frequently Asked Questions plus their updated answers.
Boresha Sacco’s Quick Facts File
| SACCO Official Name | Boresha Sacco |
| Primary Target Sector | Education/Community |
| Head Office | Kabarnet |
| County | Baringo |
| Postal Address | P.O. Box 9.90-30400 |
| Regulatory Tier | Tier 1 |
| Total Assets (Ksh B) | 13.03 |
| Total Deposits (Ksh B) | 8.62 |
Boresha Deposit-Taking Sacco Society Ltd (Boresha Sacco) is a top flying Tier-1, SASRA-regulated financial cooperative in Kenya. Originally established in 1976 as Baringo Teachers Sacco, the institution rebranded to Boresha Sacco to accommodate a national audience. It has grown from a localized teachers’ cooperative into a multi-billion shilling institution open to civil servants, county employees, private sector corporate workers, and MSMEs/farmers.
1. Boresha Sacco’s Core Profile & Financial Footprint
Headquartered in Baringo County, Boresha Sacco is one of the pillars of the cooperative movement in the Rift Valley region.
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Boresha Sacco’s Head Office: Teachers Plaza, Eldama Ravine Town, Baringo County.
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Boresha Sacco’s Total Asset Base: KSh 10 Billion+
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Boresha Sacco’s Target Membership: TSC Teachers, Civil Servants, Business Owners, and Farmers.
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Boresha Sacco’s Regulatory Status: Fully licensed and regulated by the Sacco Societies Regulatory Authority (SASRA).
2. Boresha Sacco’s Digital Banking Services
Boresha Sacco features streamlined mobile capabilities allowing members to execute BOSA and FOSA transactions remotely.
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Boresha Sacco’s M-Pesa Paybill Number: 208600 (Used primarily for share capital top-ups, non-withdrawable deposit boosting, and direct loan repayments).
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Boresha Sacco’s ATM Networking: Co-branded SaccoLink Cards enabling members to access funds 24/7 across the Visa-branded ATM grid, point-of-sale terminal systems, and local merchant outlets.
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Boresha Sacco’s Mobile Platforms: Integrated USSD and mobile wallet infrastructure for balance requests, mini-statements, and micro-loan approvals.
3. Boresha Sacco’s Structured Financial Products
BOSA (Back Office Service Activity)
BOSA accounts represent institutional equity and core non-withdrawable savings used as loan collateral:
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Boresha Sacco’s Share Capital (Ownership Equity):
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Salaried Members: Minimum of 300 shares (valued at KSh 100 each), totaling KSh 30,000.
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Non-Salaried Members: Minimum of 30 shares, totaling KSh 3,000.
(Note: Share capital earns annual dividends but cannot be directly withdrawn; it can only be transferred or sold to another member upon exiting the Sacco).
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Boresha Sacco’s COSA Deposits: Non-withdrawable monthly savings used to determine maximum loan multiplier limits. The minimum contribution is 10% of a member’s basic salary or a baseline flat minimum of KSh 2,000 per month.
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Boresha Sacco’s Equity Shares: Targeted investment avenues earmarked for infrastructure, internal expansion, and building developments. Requires a minimum commitment of 25 shares (KSh 1,000 each), capped at a maximum of 200 shares.
Boresha Sacco’s FOSA (Front Office Service Activity)
FOSA serves as the everyday transactional engine for salary processing and localized liquid savings:
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Boresha Sacco’s SASA Account: The flagship transactional account with a flexible minimum operating balance of KSh 500, zero ledger fees, and instant access via mobile banking.
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Boresha Sacco’s Fixed Deposit Account: Offers short-to-medium term investment locking options with competitive interest yields varying between 10% and 12% per annum depending on the cash volume and duration.
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Boresha Sacco’s Boresha Mzinga Junior Account: A specialized custodial framework targeted at early-age savings. It requires a free opening tier, an operating baseline of KSh 1,000, and minimum monthly accumulations of KSh 500. To preserve capital growth, withdrawals are capped at three times a year.
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Boresha Sacco’s Seasons Savings Account: A custom, objective-driven wallet structured around holiday packages, education cycles, or festive commitments, protecting funds from random premature access.
4. Boresha Sacco’s Operational Branch Network
Boresha Sacco maintains an expansive physical branch network across Baringo County and neighboring economic hubs in the Rift Valley and Western regions:
| Core Hub County | Active Physical Branch Locations |
| Baringo (Home Base) | Eldama Ravine (HQ), Kabarnet, Marigat, Mogotio, Kabartonjo, Mochongoi, Barwesa, Chemolingot, Tenges, Kisanana, Kipsaraman |
| Uasin Gishu | Eldoret Branch |
| Nakuru | Nakuru City, Mumberes |
| Nandi | Kapsabet Town |
| Laikipia | Rumuruti |
| Elgeyo Marakwet | Iten, Kamwosor |
| Trans Nzoia | Kitale Town |
Frequently Asked Questions (FAQs) on Boresha Sacco
Here is a well researched collation of Frequently Asked Questions (FAQs) for Boresha Deposit-Taking (DT) Sacco, covering membership details, structural capital requirements, loan portfolios, and digital services.
1. Frequently Asked Questions (FAQs) on Boresha Sacco’s Membership & Registration
Who can join Boresha Sacco?
Boresha Sacco caters to a wide public demographic, originally originating from the education sector but now fully open to:
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Teachers (under TSC) and civil servants.
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Salaried private-sector employees.
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Micro, Small, and Medium Enterprises (MSMEs) and retail traders.
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Agricultural producers (dairy, coffee, tea, and food-crop farmers).
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Individuals in the diaspora.
What are the standard requirements for opening a Boresha Sacco personal FOSA account?
To establish a direct relationship at any Front Office Service Activity (FOSA) branch, you need:
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A completed account entrance/registration form.
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A clear copy of your National ID card and your KRA PIN Certificate.
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Two passport-sized photographs (often captured directly at the FOSA branch).
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A completed Next of Kin/Nominee registration form.
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A standard minimum operating balance of Ksh 500.
2. Frequently Asked Questions (FAQs) on Boresha Sacco’s Share Capital, Equity, & Savings Products
What are the structural differences in Share Capital for different Boresha Sacco members?
Boresha Sacco has clear ownership tiers depending on your employment and income classification:
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Salaried Members: Required to hold a minimum of 300 shares valued at Ksh 30,000 (Ksh 100 per share). They also purchase Equity Shares dedicated to asset/business expansions, ranging from a minimum of Ksh 25,000 to a maximum of Ksh 200,000.
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Non-Salaried/Business Members: Required to maintain a minimum of 30 shares valued at Ksh 3,000 to anchor their membership and qualify for business credit.
What are the Boresha Sacco monthly savings requirements?
Members contribute a regular, mandatory minimum monthly deposit of Ksh 2,000 (or 10% of basic salary for payroll-checked members) to build up their back-office (BOSA) loan-guarantee multiplier.
Does Boresha Sacco offer tailored specialized savings profiles?
Yes, Boresha runs multiple target-oriented savings facilities:
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Fixed Deposit Account: For locking lump sums above Ksh 20,000 for set tenures. It attracts competitive interest rates ranging from 10% to 12% per annum.
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Boresha Mzinga Junior Account: A dedicated minor savings option managed by parents. It requires a minimum monthly saving of Ksh 500 (with an operating balance of Ksh 1,000) and limits withdrawals to three times a year to protect the child’s academic future.
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Boresha Kilimo Savings: Tailored strictly for agricultural workers. It establishes a mandatory base saving rate of Ksh 200 per month, alongside structured lump-sum seasonal deposits directly when crop or produce sales proceeds are disbursed.
3. Frequently Asked Questions (FAQs) on Boresha Sacco’s Loans & Credit Facilities
When can a Boresha Sacco member qualify for a development or business loan?
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Main BOSA Loans: Standard developmental lines require consistent, consecutive contributions for a baseline period.
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Biashara/MSME Term Loans: Business owners must route active transactions through their daily FOSA business account for at least three (3) to four (4) months before requesting supply-chain or expansion credit.
What type of security is accepted for Boresha Sacco credit facilities?
Boresha utilizes both standard peer-to-peer and collateral security models:
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Guarantorship: Up to six (6) active Sacco members can jointly sign for standard credit limits.
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Alternative Security: Certified Fixed Deposit Account Certificates can be officially held in lien against short-term advances. For large commercial brackets exceeding basic guarantees, physical registered assets and collateral matching Sacco appraisal regulations apply.
What agricultural and agro-based advances are available at Boresha Sacco?
Recognizing its heavy rural and farmer demographic, Boresha runs specialized crop and commodity-backed facilities including:
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Maziwa Special Advance / Maziwa Loan (Dairy value-chain financing)
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Special Crop Advance / Farm Loans (Tailored for seasonal input, fertilizer, and harvest cycles)
4. Frequently Asked Questions (FAQs) on Boresha Sacco’s Digital Banking & Mobile Services
How do Boresha Sacco members perform daily remote transactions?
Members do not need to walk to a branch for basic banking. You can use:
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Mobile Banking: Built-in USSD menus and smartphone apps enable self-service balances, mini-statements, airtime purchases, and instant FOSA loan requests.
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Sacco Link ATM Cards: Co-branded VISA ATM cards operating 24/7 across global commercial automated teller machines and local Point of Sale (POS) merchant outlets.
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M-Pesa Transfers: Interfacing directly with Safaricom infrastructure for fluid remote cash deposits and mobile money withdrawals.
5. Frequently Asked Questions (FAQs) on Boresha Sacco’s Membership Exit & Requirements
How can a Boresha Sacco member formally exit from Boresha Sacco?
Members can formally tender their resignation by submitting the official termination documents. A standard statutory 60-day notification period applies. Within this window:
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All individual direct or indirect loan balances must be systematically settled.
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The member must request substitution and complete liberation from any active loans they signed as a peer guarantor.
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Upon full clearance, non-withdrawable savings deposits are refunded in full. Permanent share capital remains non-refundable but can be sold or transferred internally to another member.
Where is the Boresha Sacco headquarters located?
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Head Office: Teachers Plaza, Eldama Ravine Town, Baringo County, Kenya.
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Regional Networks: Spread across extensive physical branch offices throughout the Rift Valley region and expanding administrative zones.
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