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ESASCCO
Eswatini Association Of Savings And Credit Co-operatives
Where Savings and Credit Cooperatives Find Strength and Growth
Strengthening SACCOs, Transforming Lives

ESASCCO is committed to strengthening SACCOs by building their operational capacity, financial resilience, and leadership effectiveness. Through strategic support and development programs, we help transform the lives of members, uplift communities, and ensure that SACCOs remain impactful, inclusive, and sustainable drivers of socio-economic growth

What We Do
Capacity Building & Human Capital Development
We provide tailor-made training, workshops, and coaching for SACCO leadership, staff, and committees. ESASCCO develops relevant HR policies, performance systems, and training modules to professionalize SACCO operations and build sustainable leadership structures. Our programs are aligned with both national employment legislation and cooperative principles.
CFF Savings & Extended CFF Services
ESASCCO empowers CFF-participating SACCOs with access to competitively low-interest loans, enabling them to effectively mobilize member savings and expand affordable lending options. Through the Extended CFF, we provide strategic, longer-term financing solutions designed to help SACCOs navigate financial challenges, enhance operational capacity, and deliver superior member services.
Training & Professional Development
ESASCCO offers structured training programs for SACCO boards, management, and staff to enhance skills in governance, financial management, ICT, compliance, and member service. These capacity-building initiatives ensure that SACCOs operate efficiently, meet regulatory standards, and remain competitive in a dynamic financial sector.
ICT & Digital Transformation
We lead SACCO digitalisation efforts through integration with core banking systems like Mambu, mobile money solutions (e.g. *604# USSD in Eswatini, *120*0135# in South Africa), EFT channels, and member portals. ESASCCO manages regional technical support, cybersecurity standards, and digital innovation to improve efficiency and financial inclusion.
Conflict Resolution & Governance Support
ESASCCO facilitates independent conflict resolution and institutional governance audits to maintain harmony within SACCOs. We support board induction, election management, disciplinary procedures, and mediation services—ensuring transparency, accountability, and good governance across the network.
Insurance Services & Risk Protection
ESASCCO facilitates access to affordable and inclusive insurance solutions tailored for SACCOs and their members, including loan protection, credit life, funeral cover, and asset insurance. These services help SACCOs manage risk, enhance financial security, and build member trust through reliable protection mechanisms.
Co-operative Members

ESASCCO is proud to serve a growing network of co-operative societies across Eswatini, uniting members under a common goal of financial empowerment and sustainability. Our members benefit from shared services, capacity-building initiatives, and access to cutting-edge digital tools tailored for the SACCO sector. Through collaboration and innovation, we help co-operatives thrive and positively impact their communities.

Know More
Our Principles
Full Support
Customized Solutions
Fully Responsive Services
Our Skills

At ESASCCO, we pride ourselves on a diverse team of experts with deep knowledge in cooperative development, financial management, digital transformation, and governance. Our skilled professionals bring years of experience in training, advisory services, policy advocacy, and technology integration—equipping SACCOs to thrive in a competitive and evolving financial landscape.


  • Cooperative Development & Management
  • Financial Analysis & Risk Management
  • Policy Research & Advocacy
  • Governance & Compliance Advisory
  • Conflict Resolution & Mediation
  • Insurance & Risk Protection Solutions
  • ICT & Digital Banking Solutions
  • Training & Capacity Building
  • Project Planning & Implementation
  • Strategic Partnership & Stakeholder Engagement
Top Activities
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HR Management workshop

ESASCCO organised a two‑day national workshop on Human Resources Management from 25–26 February 2025 at Sibane Hotel, attended by various SACCOs across the country

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Board Workshop on Budgeting

Board members and ESASCCO management participated in a one‑day budgeting workshop held at the ECODEC conference room on 13 February 2025

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Procurement Workshop for SACCOs

A procurement-focused workshop was conducted for SACCOs across Eswatini on 27–28 March 2025 to enhance their procurement processes and governance

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Annual General Meeting (AGM)

ESASCCO's AGM took place on 29 April 2025 at the George Hotel, bringing together leadership and member SACCO representatives for strategic planning and review

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Tour of New Kwakitsi Building with Senior Officials

On March 13, 2025, ESASCCO leadership—including the President and Executive Manager—hosted the Minister of Commerce, Industry and Trade and the Commissioner of Cooperatives on a site tour of the new Kwakitsi building. This event highlighted progress toward modernizing ESASCCO’s physical infrastructure and stakeholder engagement in capital projects.

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Insurance System Workshop

On 12 June 2025, ESASCCO staff underwent training on a new insurance system to improve risk management services offered to SACCO members

Our Affiliates