Member Rights and Responsibilities in a SACCO

SACCO members are more than customers — they are co-owners. This unique structure gives every member a voice and the right to participate in governance through voting at annual general meetings (AGMs). Members are also entitled to receive dividends based on profits made from loans and investments.

However, rights come with responsibilities. Members must contribute savings consistently, repay loans on time, and engage in SACCO activities. Participation in meetings and trainings helps strengthen transparency and ensures decisions reflect collective interests. SACCOs thrive when members are informed and actively involved.

Promoting accountability and good governance is crucial for SACCO sustainability. Every member plays a part in safeguarding the SACCO’s resources, electing competent leaders, and maintaining a culture of integrity. When members uphold their responsibilities, the SACCO grows stronger, safer, and more impactful.

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