Crescent Takaful SACCO (CTS)

Crescent Takaful SACCO is recognized as Kenya’s first Shariah-compliant SACCO tailored to serve unbanked populations, especially pastoralist communities in Northern Kenya. Its flagship product, “Mifugo Kash-Kash,” is designed for livestock traders and is based on Islamic financing principles like Mudharaba and Musharaka, offering up to 70% financing without interest (Riba). The SACCO also provides benevolent services such as “Ayuta Emergency”—a profit-free facility to support members during medical, financial, or livelihood crises.