Imarisha Sacco has evolved from a teachers’ cooperative into one of the most recognized savings and credit societies in Kenya’s Rift Valley region. Registered in 1978 as Kipsigis Teachers Sacco, Imarisha Sacco later opened its common bond to professionals and entrepreneurs from diverse sectors.
Today, Imarisha Sacco operates as a deposit-taking cooperative offering both Back Office Service Activities and Front Office Service Activities. This dual structure enables the SACCO to provide savings and loan products alongside quasi-banking services.
Imarisha Sacco Background and Structure
Imarisha Sacco began as a teachers’ SACCO at a time when employer-based cooperatives dominated Kenya’s financial landscape. However, as economic dynamics shifted, the society broadened its membership.
Through BOSA, Imarisha Sacco mobilizes member savings and provides structured loan products. Through FOSA, it offers transactional banking facilities. This model aligns with Kenya’s broader SACCO modernization trend.
By combining savings, loans and banking services under one roof, Imarisha Sacco strengthens liquidity and enhances member convenience.
Imarisha Sacco Branch Network
Imarisha Sacco operates multiple branches across Kericho County and neighboring regions.
Headquarters
Imarisha Sacco Building
Kericho Town
Bomet Branch
Imarisha Sacco Building
Bomet Town
Bureti Branch
Kabianga University Building
Kapkatet Market
Mulot Branch
Wastabei Building
Mulot Market
Keringet Branch
Listern Arcade
Keringet Town
Awasi Branch
Nandi Hills Branch
Ndanai Branch
This branch distribution improves access in tea-growing and agricultural zones. Rural branch coverage remains crucial where commercial banking presence may be limited.
Imarisha Sacco FOSA Loans
Imarisha Sacco provides several FOSA-based loan products tailored to salaried members.
Loan categories include:
• Inua Loan
• Long Term Salary Advance
• Short Term Salary Advance
Salary advances help members manage short-term cash flow gaps. Meanwhile, structured long-term facilities support asset acquisition and business expansion.
SACCO-based loans typically rely on member savings and guarantor backing. Therefore, consistent contributions remain essential for higher borrowing capacity.
Imarisha Sacco Paybill and USSD Code
Imarisha Sacco Paybill Number is 982100.
Members can deposit funds via M-PESA using Paybill 982100. The format requires entering a short code followed by the member’s ID number when prompted for the account number.
Imarisha Sacco USSD Code
Imarisha Sacco USSD Code is *882#.
By dialing *882#, members access the M-Imarisha platform, which includes:
- Bank to M-Pesa
- My Account
- Utilities
- Mobile Loan
- Other Services
- Change PIN
- Exit
This USSD service enhances convenience and reduces branch dependency.
Imarisha Sacco Mobile Banking
Imarisha Sacco integrates mobile banking to allow deposits, withdrawals and account inquiries.
Deposit steps include:
• Go to M-PESA menu
• Select Lipa na M-PESA
• Choose Pay Bill
• Enter Business Number 982100
• Enter account format as instructed
• Confirm transaction
Mobile withdrawal is accessible through the USSD platform, enabling transfers from SACCO accounts to M-Pesa wallets.
Digital channels strengthen competitiveness in Kenya’s rapidly evolving financial sector.
Imarisha Sacco Contacts
Imarisha Sacco Society Ltd
P.O. Box 682 – 20200
Kericho, Kenya
Call: 0709578000
Email: [email protected]
Website: http://imarishasacco.co.ke
The Kericho headquarters coordinates operations and regulatory compliance.
Imarisha Sacco in Kenya’s Cooperative Sector
Kenya’s SACCO sector remains central to financial inclusion, particularly in agricultural regions. Historically, teacher-based cooperatives offered stability due to salary remittances.
However, as markets diversified, SACCOs like Imarisha Sacco expanded membership to remain competitive. The introduction of FOSA and mobile banking reflects sector-wide modernization.
Deposit-taking SACCOs operate under SASRA supervision, ensuring compliance and liquidity standards.
Why This Matters
Affordable credit and structured savings empower households and small enterprises. In counties like Kericho, SACCO financing supports agriculture, education and entrepreneurship.
Imarisha Sacco’s combination of rural outreach and digital access highlights how cooperative finance adapts in emerging markets.
What Happens Next
Imarisha Sacco may continue expanding digital tools and branch coverage. As financial competition intensifies, service efficiency and member trust will remain decisive.
Members should review loan terms, savings policies and mobile access options before making financial commitments.
