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Yoken Sacco Case Study: A Sacco Website With Every Rate Published
Screenshot of kavenacc.co.ke/yokensacco (opens in a new tab), taken 2026-11-04.
Yoken Sacco Society Ltd is a member-owned savings and credit co-operative in Mbeere South, Embu County, registered in 1986. Members and people thinking of joining wanted straight answers: what a loan really costs, how much they can borrow, and how to pay in.
At a glance
- Client: Yoken Sacco Society Ltd
- Sector: Savings and credit co-operative (SACCO)
- Location: Mbeere South, Embu County
- Live site: kavenacc.co.ke/yokensacco (opens in a new tab)
The goal
Publish every rate and let a member work out a repayment on their phone before they ever visit the office.
What we built
- A live loan calculator using Yoken's real reducing-balance rates, running entirely in the browser so nothing is sent anywhere
- Monthly repayment, total interest, the one-off processing fee and the savings needed to qualify, shown for every calculation
- All eleven products, from Normal, Emergency, School Fees and Business loans to Mwanangu Savings and Fixed Deposits
- The whole price list on one page, with a plain explanation of why "reducing balance" is the number that matters
- Step-by-step M-Pesa Paybill instructions for deposits and repayments
- How to join from Ksh 200, FAQs, WhatsApp and click-to-call
Built on trust, not fine print
A co-operative belongs to its members, so the site treats them like owners: every rate is public, the calculator shows the full cost including fees, and the payment steps are exact. That openness is what sets a Sacco apart from a lender.
Business results such as enquiries and sales belong to our clients, and we only publish them with their permission.
Lessons for similar businesses
- Publish the full price list; hidden rates cost you members.
- Show a loan as a monthly repayment people can plan around.
- Give exact M-Pesa steps so nobody has to call to ask.
More work
See all case studies, or read about CRM and collections for SACCOs and lenders.
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