I guess you have heard about Share Capital and Deposits. Below is the difference between the two words:

Share capital

Share capital is the money invested in the Sacco by the members/shareholders. It is a permanent /long term member’s contribution toward the Sacco capital and forms part of Sacco equity. It represents your ownership of the Sacco, currently each member has minimum of 500 Shares valued at KES 100.


Deposits means a balance that is established and maintained by a person at a SACCO that confers membership rights to that person, these are the regular monthly deposits. They are used to determine eligibility for a loan and can only be withdrawn when one ceases to be a member. Deposits can be used as loan security; and are withdraw-able members’ savings.

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February 11, 2024

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