About Kafova Sacco
KAFOVA SACCO was officially registered on 19th August 2016, originally known as the Kenya Air Force Officers Veterans Association and composed mainly of retired Air Force officers. Following its registration, the SACCO laid the foundation for sustainable growth by putting in place the necessary structures to guide its operations.
By February 2017, we launched our deposit-taking operations, marking the beginning of our financial services journey. Soon after, it became clear that the vision of KAFOVA could serve a wider community. On 24th June 2017, members unanimously resolved to open up the SACCO beyond retired officers. This bold decision was solidified when the amendment of our by-laws was approved in April 2018.
Since then, KAFOVA SACCO has experienced tremendous growth expanding membership, increasing savings, and recording remarkable uptake of loans. What began as a welfare initiative for a small group of retirees has transformed into a dynamic, trusted, and member-driven financial institution, empowering individuals from diverse backgrounds to achieve financial security and prosperity.
To provide access to a platform through human and capital investment in order to enhance livelihoods through prudent investment opportunities
To be a leading financial partner in the provision of financial and welfare services for our members and clients.
Beyond Ordinary Vision
- Self-help – Encouraging members to take initiative and improve their financial well-being through collective savings and investments.
- Commitment – Dedication by members and leaders to the SACCO’s mission, vision, and shared goals.
- Mutual Trust – Building confidence among members by fostering honesty, reliability, and integrity in all dealings.
- Transparency – Ensuring open communication and clear processes so members are always informed about the SACCO’s activities.
- Accountability – Taking responsibility for decisions, actions, and use of resources to safeguard members’ interests.
- Responsibility – Promoting ethical conduct and ownership of both individual and group obligations within the SACCO.
- Equality – Treating all members fairly, with equal rights and opportunities regardless of background or status.
- Equity – Providing just and fair access to resources and benefits, considering the unique needs of different members.
Leadership Profile
EXECUTIVE COMMITTEE
Lt Col Rtd PK Njoroge
Chairman
Maj Rtd J Njiru
Vice Chairman
Sgt Rtd J Waweru
Secretary
Lt Col Rtd P Serem
Treasurer
Management team
Janet Mwende
Manager
Marion Sang
Asst Manager
Membership Eligibility
An eligible person maybe admitted to membership if he/she possesses the following qualifications:
a) Is within the field of membership.
b) Is not less than eighteen years of age.
c) Is of good character.
d) Is of sound mind.
e) Is an employee of the society or a subsidiary of the society.
f) Is not directly, a money lender or carrying out such activities detrimental to the objectives of the Society.
g) Has not been convicted of a criminal offence involving fraud and or dishonesty.
h) Has regular income from employment, business or trade.
i) Pays the prescribed entrance fee and the minimum prescribed shares.
j) Accepts the objectives of the society, the obligations of members and other conditions as stated in these By-laws.
Membership Category
a) Former member of Kenya Air Force Officers Veterans Association (KAFOVA).
b) Is a retired Kenya Air Force officers.
c) Retired Kenya Air Force Servicemen.
d) Retired member of the Kenya Defense forces.
e) Active members of the Kenya Defense Forces.
f) Next of kin of the above.
g) Strategic business partners.
How to Join
Joining KAFOVA SACCO is easy!
You can apply online or download the membership form and submit it to our offices.
🖊️ Join Online
📄 Download Membership Form (PDF)
Once your application is processed, you’ll receive your membership number and access to all SACCO products and services.
Why Choose Kafova?
We exist for our members, not for profits. Every decision we make is guided by your financial needs, ensuring personalized support and fair services.