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About Lugari SILC SACCO

Empowering our community through financial inclusion since 2010

Our Vision & Mission

Vision

To cultivate Western Kenya's most robust financial ecosystem where coffee farmers and entrepreneurs thrive through sustainable economic empowerment and premium market access.

Mission

To deliver innovative financial solutions that enrich our members' livelihoods through:

  • Specialized coffee farming loans with harvest-cycle repayment
  • Collective coffee marketing for premium international prices
  • Farm input financing with agronomist support
  • Climate-smart agricultural insurance products

Our Coffee Journey

Born from a 2010 gathering of 25 coffee farmers at Lugari's Kiru Market, our SACCO has blossomed alongside Western Kenya's coffee renaissance, now serving 5,000+ members.

2010
First Coffee Collective

Founded with 25 coffee farmers pooling KES 500,000 to secure better drying beds

25 Farms
2014
Coffee Expansion

Launched our Cherry Advance Program, providing pre-harvest financing

1200 Acres
2018
Global Recognition

Direct trade partnership with European buyers, increasing farmer returns by 35%

1B KES
2023
Sustainable Future

Launched carbon credit program for shade-grown coffee farmers

From seedling to export, we grow value at every stage of the coffee journey.

Our Core Values

Integrity

We conduct our business with honesty and transparency

Member Focus

Our members' needs are at the center of everything we do

Innovation

We continuously improve our products and services

Meet Our Leadership

Dedicated professionals committed to your financial success

Chairman
John Mwangi

Board Chairman

CEO
Grace Wambui

Chief Executive Officer

Finance
Peter Kamau

Finance Director

View Full Team

Our Services

Tailored financial solutions to meet your needs and help you achieve your goals

Savings

Savings

Secure savings accounts with competitive interest rates...

Bank loan officer reviewing documents with client

Loans

Affordable credit facilities with flexible repayment terms...

Coffee Marketing

Coffee Marketing

Premium market access for your coffee produce...

Insurance

Insurance

Comprehensive insurance covers to protect you...

What Our Members Say

Hear from satisfied members of our SACCO family

Contact Us

We're here to help with all your financial needs

Send Us a Message

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Our Contact Details

Visit Us

Lugari Town, Along Kakamega Road
P.O Box 123, Lugari, Kenya

Opening Hours

Mon-Fri: 8:00 AM - 5:00 PM
Saturday: 9:00 AM - 1:00 PM
Sunday: Closed


Frequently Asked Questions

Find quick answers to common questions about our services

Savings Accounts

You can open a savings account with as little as UGX 10,000. No monthly maintenance fees for balances above UGX 50,000.

Interest is compounded monthly and credited to your account quarterly. Our current rate is 8% p.a. for regular savings.
Loan Services

You'll need: National ID, recent passport photo, 3 months bank statements, and collateral documentation (for secured loans). Agricultural loans require proof of land ownership.

Most loans are approved within 48 hours for existing customers. New customers may require 3-5 working days for verification and processing.
Coffee Marketing

We work with all specialty grades (AA, AB, PB) and commercial grades. Our experts will grade your coffee and recommend the best market channels.

Payments are made within 14 days of delivery to our certified warehouses. We offer direct bank transfers or mobile money options with full transparency.
Insurance Services

Our policies cover drought, excessive rainfall, hailstorms, pests and diseases. We also offer price fluctuation coverage for cash crops.

Claims are processed within 30 days of incident reporting. Our field agents will verify damages and payments are made directly to your account.

Still have questions?

Our customer care team is ready to assist you 24/7

Ready to Grow With Us?

Join Lugari SILC SACCO today and access financial services designed to empower your future.

Limited Offer
Agricultural Loan Special

1.5% lower rates for coffee farmers

75% claimed
Apply Now
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