Universal Traders Sacco (formerly Masaku Traders Sacco)

We help traders in Kitui save regularly and access affordable credit to grow their businesses.

Call us

Book a Consultation

Address

Kilungya St, Kitui

About Universal Traders Sacco

Universal Traders Sacco (formerly Masaku Traders Sacco) is a member-based savings and credit cooperative based in Kitui. We bring together traders and small business owners who want to build a secure financial future through collective saving.

When you join, your savings create a pool that members can borrow from at fair terms. It's a simple, time-tested way to fund stock, equipment, or unexpected expenses — while your savings keep growing. We are located on Kilungya Street, Kitui, and we are here to support your business journey.

Based in Kitui

Member-owned cooperative

Regular savings plans

Credit for business needs

Located in Kitui town

What we offer

Savings Accounts

Grow your money steadily with flexible regular savings options designed for traders.

Business Loans

Access credit to buy stock, upgrade equipment, or expand your shop or kiosk.

Emergency Loans

Get quick financial help for unexpected personal or business expenses.

M-Sacco Services

Save and borrow conveniently using your mobile phone, anywhere in Kenya.

Financial Advice

Receive practical guidance on budgeting, saving, and managing your business finances.

Member Welfare Support

Benefit from a supportive community that stands with you during hard times.

Find us

Kilungya St, Kitui

Get Directions

Common questions

Visit our office on Kilungya Street in Kitui with your national ID and a passport-size photo. We will guide you through the simple registration process.
You need to be an active member with a consistent savings record. Loan amounts depend on your savings and repayment capacity.
Yes, you can withdraw your savings according to the cooperative's rules. Some savings may have a minimum holding period.
Yes, we provide M-Sacco services so you can check balances, save, and apply for loans using your phone.
We are on Kilungya Street in Kitui town. Call us for directions or to ask any other questions.

Start saving with us today

Visit our Kitui office or call to learn more.

Call us