RAMCO GROUP Sacco was incorporated in 1985 with a handful of staff from RAMCO Group of companies as founding members. The SACCO was formed to promote thrift among its members through accumulation of savings and access to affordable credit.
The Society is a regulated non-deposit-taking entity offering Back Office Service Activity (BOSA) services only to its membership. At the 2026 AGM, members passed a resolution to amend the Society's by-laws to onboard members from outside the Ramco Group of companies - opening our doors wider while keeping our member-first values intact.
Ramco Group Sacco draws its membership from 24 Ramco Group companies.
Co-operative Societies Act - 2004
Co-operative Societies Rules
Sacco Act - 2008
Society By-laws and Policies
SASRA (Sacco Societies Regulatory Authority)
Building membership prosperity through financial inclusion.
To transform our members' lives through financial inclusion, innovation and sustainable growth for prosperity.
Members treated with dignity, fairness, equality regardless of their financial status.
Services are easy to reach and use - physical office, mobile and digital platform.
Financial education, products and services to improve members' livelihoods.
Focus all resources to meet financial service needs and expectations in excellent service delivery and satisfaction.
Members are owners who participate in decision-making and share in the Society's success.
Membership is now open to individuals beyond the Ramco Group of companies.
