Trans National Times SACCO Ltd (TNT SACCO)
By Godfrey Wamalwa
Trans National Times SACCO Ltd (TNT SACCO), one of Trans-Nzoia County’s leading financial cooperatives, is marking a period of unprecedented growth, strengthening its services and expanding its reach across the county.
Founded in 1977 as a small teachers’ cooperative, TNT SACCO has grown into a licensed deposit-taking SACCO serving over 21,000 members.
Since receiving its license from the Sacco Societies Regulatory Authority (SASRA) in 2011, the SACCO has broadened its membership to include police officers, county employees, private sector workers and small business owners.
A key factor behind the SACCO’s progress is the close collaboration between the management and board of directors.
Together, they oversee strategic planning, governance and operations, ensuring transparency, accountability and responsiveness to members’ needs.
TNT SACCO recently initiated the development of a strategic plan for 2026–2028, reflecting its commitment to structured growth and enhanced member services.
Its portfolio includes non-withdrawable share accounts, payroll accounts, junior savings, and goal-oriented “Lengo” savings accounts, highlighting its ambition to be a world-class financial institution.
The SACCO has demonstrated resilience, particularly during the COVID-19 pandemic.
In 2021, it recorded 54% growth in investments, a 28% increase in revenue, and around 8% growth in total assets and loans.
These results enabled a 10% share dividend distribution in 2022, showcasing prudent management and responsible lending.
Expansion continues across Trans-Nzoia, with branches in Kitale, Endebess, Kiminini and Sibanga.
TNT SACCO has also embraced digital solutions, allowing members to check balances, request loans and make mobile deposits via USSD (477#), bringing convenience and accessibility countywide.
With strong governance, innovative services, and a focus on member empowerment, TNT SACCO is set to achieve even greater milestones.
The implementation of its 2026–2028 strategic plan is expected to consolidate its position as a modern, inclusive financial institution, driving economic growth and financial empowerment for thousands of members across Trans-Nzoia County.
