Harambee Sacco: from a Merry-go round, into a multi – billion institution. Set up by a handful of small income earners and struggling subordinate staff at the Office of the President (OP), way back in 1970; Harambee Sacco is today a multi-billion shilling institution, with 80851 members. With a net asset base of about Ksh. 19.85billion, Harambee Sacco, is feted amongst the 10 biggest Societies in membership base Sacco in Kenya. From a single unit at the office of the President, Harambee Sacco has now been devolved into 174 delegate or electoral branches across Kenya, serving our members in the remotest of locations in the country. Indeed, Harambee Sacco continues to enjoy a customer penetration level that goes way down into the minute administrative level in Kenya with chiefs and sub-chiefs in the locations and sub-locations being members of Harambee Sacco.