Who is eligible to join?

Membership to Taqwa SACCO is open to all persons in East Africa and Diaspora; who prefer ethical financial services guided by Islamic principles, regardless of religion, gender, class, or race.

Why should you join us?

  1. Access to interest-free loans (No RIBA) in compliance with Sharia Law
  2. High loan turnaround time
  3. Guaranteed returns from investments
  4. 80% asset financing up to KES. 5M
  5. Access to subsidized investment opportunities including Land/Plot and Housing

What are the requirements for joining?


  1. A copy of your National ID
  2. A copy of your KRA PIN Certificate
  3. 2 colored passport-sized photographs (Recent)
  4. A copy of payslip (if salaried), letter of appointment (if recently employed), bank/M-Pesa statements (if unemployed but doing business)
  5. KES. 1, 000 registration fee (Optionally, plus KES. 500 for FOSA account opening) 
  6. For BOSA, the minimum monthly contribution of KES. 2, 200


At least one compulsory BOSA share of KES. 15, 300 within one year of registration is required

Group or Chamaa

For group account: –

How to join?

To join Taqwa SACCO, you are required to duly fill out an application form available here. After filling, send it to fosa@taqwasacco.co.ke or customercare@taqwasacco.co.ke

Alternatively, you may fill out an online application available here

What are my obligations?

To check out your obligations and additional policies governing members, download a copy of the policies here