Owning land and building a financial future is a dream for many Kenyans, and now real estate firm Username is making it easier through the launch of its new financial arm, Username Sacco.
The Sacco, unveiled in Nairobi on Wednesday, aims to help Kenyans save, access affordable credit, and own property without the traditional barriers that make such dreams difficult to achieve.
So far, more than 100 members have joined, with numbers expected to grow in the coming weeks. Username Sacco chairman Reuben Kimani described the new initiative as a community founded on trust, financial literacy, and empowerment.
“Our goal is to help ordinary Kenyans turn their dreams into realities by providing affordable and accessible financial solutions that meet their everyday needs,’’ Kimani said.
He emphasised that the Sacco is committed to good governance, innovation, and a strong focus on members’ needs.
“Integrity and transparency will guide every step as the Sacco opens more opportunities for financial inclusivity and long-term prosperity,” he added.
The Sacco, which is fully licensed and regulated by the Ministry of Co-operatives and MSMEs, is designed to make savings and credit more accessible to Kenyans at home and abroad.
It offers property loan packages that allow members to own land after making as few as five deposits and provides flexible repayment periods of up to 36 months. Unlike traditional models, the Sacco will offer hassle-free loans without requiring guarantors.
Members will also earn dividends while building equity through the mandatory savings model. For Kenyans living abroad, the Sacco has introduced a diaspora Wezesha loan, enabling them to invest back home and secure a stable financial future while working overseas.
Username Sacco CEO Sarah Wahogo said the launch represents more than a milestone, it is part of the company’s long-standing mission to empower Kenyans to achieve home ownership and financial growth.
“The Sacco is not just a milestone but a continued opportunity to fulfil the broader Username Properties vision to empower more Kenyans and help them to achieve the dream of home ownership through property loans in addition to other financial offerings,” Wahogo said.
She added that membership is open to all Kenyans with a valid identification, regardless of their place of residence. To join, one only needs to pay a one-time registration fee of Ksh 1,000 and a minimum share capital of Ksh 5,000, making it one of the most affordable entry points into a financial institution.
“Username Sacco has positioned itself as a catalyst for financial inclusion, empowering Kenyans from all walks of life to cultivate a saving culture, access affordable credit, and build long-term wealth,” she said.
The launch comes at a time when the Sacco movement in Kenya is experiencing both growth and pressure, with rising demand for affordable financial services amid economic uncertainty.
Username Sacco now hopes to bridge that gap by combining real estate expertise with financial empowerment, creating a new pathway for Kenyans to turn savings into ownership and stability.
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