Meshers before you join a SACCO, know the facts: • Every member buys share capital — this is your ownership stake and usually not withdrawable while you’re a member. • You can resign (give written notice); your savings will be refunded, minus any outstanding loans or penalties. • Share capital is refunded only according to the SACCO’s bylaws — often when another member buys it or the rules allow withdrawal. • Taking a loan and intentionally defaulting is not an exit — it’s fraud, it damages your credit (CRB), and you remain liable.

Join smart: read the bylaws, ask how share capital is handled, and keep records. ✔️