Crescent Takaful SACCO.
Shariah Compliant.
Member Owned.

Savings, investments, and financing built on Islamic finance contracts.
Open to individuals, groups, and corporates

Who We Are

A Shariah Compliant Cooperative SACCO

Crescent Takaful SACCO provides financial services based on Shariah contracts: Mudaraba, Musharaka, Murabaha, and Qard-Al-Hassan.
We operate as a cooperative, meaning members are shareholders with voting rights.
Our membership includes individuals, registered and unregistered groups, and corporates.
We have a specialized focus on ASAL counties and are probably the only financial institution with a 100% commitment to developing these regions.

What We Offer

Savings & Investment Accounts

Profit-bearing accounts (Mudaraba) and non-profit-bearing deposit accounts (Qard-Al-Hassan).
Includes Hajj, children’s, target, and fixed investment accounts

Financing Products

E-Kash for emergencies, Edu-Kash for school fees, Micro-Asset and Biz-Kash for business and asset acquisition, Motor Vehicle and Development Finance for larger assets, Soko Kash for working capital

Group & Livestock Solutions

Ayuta and Chama Microfinance Suites for collectives. Mifugo Kash-Kash for livestock value chain aggregation, trade, and financing.

Key Numbers

Over 40% non-Muslim membership.
87% of ASAL funding comes from government and NGOs.
CTS provides the majority of private financing exceeding KES 100,000 in those regions.
90% of all cooperative membership in Wajir (Mercy Corps Youth Bankability Assessment Report, 2021).

Trust & Partnerships

Fiduciary management partners: USAID Kenya Investment Mechanism, Mercy Corps, DAI.
Ongoing partnership negotiations: Kenya Development Corporation (KDC), World Bank DRIVE Project, Mercy Corps (Isiolo, Samburu, Marsabit).
Market off-taker partnership for livestock: Nourishing Nomads.

Crescent Takaful SACCO. Shariah Compliant. Member Owned.