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Sometime in the autumn of 1974, a small group of Unilever (Then East Africa Industries Ltd {EAI}) factory workers whirled away their mid-morning break over a cup of tea. They mulled over their life challenges mostly revolving around personal financial needs. Yet at that time of the month they wouldn’t access any salary advance from the HR department and their money lender wouldn’t consider them for a second loan until the first one was repaid. They were concerned that they could no longer meet the rising cost of living against ‘flat pay slips’. There were a myriad of bills to be settled and yet end month seemed an eternity. But wait! Someone had an idea. They could form a savings scheme to collect individual savings and advance loans from the pool. And voila! Kimbo Sacco was born!

The objective of the society was to create a vehicle to promote a savings culture among the employees of Unilever and to lend out short term micro loans to the members for personal development, school fees and medical expenses.