Membership & Shares
When you join Sahal SACCO, you are not a customer. You are a shareholder. Every member owns a piece of the cooperative.
Why Become a Member?
Ownership
You own shares in the cooperative and have voting rights at the Annual General Assembly.
Savings
Build your savings through Mudaraba profit-sharing accounts.
Financing
Access Sharia-compliant financing for your business, farm, or family.
Profit Sharing
Share in the cooperative's annual profits based on your savings and shares.
How to Join
Complete Application
Fill out the membership application form online or at our head office.
Purchase Shares
For share value and payment details, please visit our office or contact Member Services.
Submit Documents
Provide copy of ID and passport photo. Businesses require registration certificate.
Approval
Your membership is approved within 3 business days. You receive your member certificate.
Your Member Card
Every member receives a physical membership card with their unique member ID.
"I joined with 5 shares in 2023. Today I hold more shares and continue building ownership in my cooperative. This is real ownership."
Ready to become an owner?
Join 300+ Somalis who own their financial future.