Governance & Leadership Training
Equip your leaders with the knowledge and skills to guide your cooperative toward lasting success. Our interactive programs strengthen decision-making, transparency, and accountability.
Where Savings and Credit Cooperatives Find Strength and Growth
ESASCCO is the association behind Eswatini's SACCOs. We help every savings and credit cooperative in the Kingdom offer fair loans, safe savings and honest service to the people who trust them.
Our Services
Some of our featured services — from the boardroom in Mbabane to savings groups deep in the rural areas.
Policy Advocacy & Representation
Have your SACCO's voice heard at the highest levels through our powerful advocacy and representation work. We influence policies and regulations to protect and promote cooperative growth.
Member Financial Literacy & Education
Empower your members to save more, borrow wisely, and grow financially with our targeted education programs. From budgeting to investment basics, we build financial confidence.
ICT & Technical Services Unit
Power your SACCO with secure, innovative digital solutions that streamline operations and keep members connected anytime, anywhere. Our expert team delivers core banking systems, payment integrations, and IT support that drive growth and efficiency.
Cooperative Sector Coordination & Networking
Connect, collaborate, and expand your opportunities through ESASCCO's cooperative networking platforms. We unite SACCOs to share resources, best practices, and sector-wide initiatives.
Cooperative Training & Development Unit
Build stronger, smarter cooperatives with our tailored training, governance support, and strategic growth initiatives. We equip SACCOs to thrive through leadership capacity-building and sustainable management practices.
Finance & Administration Unit
Ensure your SACCO's financial transparency and sustainability with our professional accounting, auditing, and administrative services. From budgets to compliance, we handle the numbers so you can focus on your members.
Provident Fund
Secure your SACCO staff's future with a comprehensive retirement benefits plan managed through IEB Eswatini. We make it easy for SACCOs to provide long-term financial security for their employees.
CFF Facility & Extended CFF
Promote SACCO savings and provide liquidity loans through ESASCCO's Central Finance Facility. Our CFF and Extended CFF solutions strengthen cash flow, encourage savings culture, and boost SACCO resilience.
About Our ESASCCO
The Eswatini Association of Savings and Credit Cooperatives (ESASCCO) is the apex body for Savings and Credit Cooperatives (SACCOs) in the Kingdom of Eswatini. Established on 6 June 1988, ESASCCO is registered under the Eswatini Cooperative Societies Act and operates as a representative, support, and development agency for the cooperative financial sector.
Serving 39 SACCOs with a combined membership of approximately 60,000 individuals, ESASCCO plays a critical role in promoting sustainable cooperative growth, sound governance, and financial inclusion. We work closely with our member SACCOs to enhance operational efficiency, build institutional capacity, and advocate for enabling policy and regulatory environments.
39Member SACCOs
60,000Members Served
1988Established
Our Mission
To offer outstanding support and services that advocate for and uphold the principles of Cooperatives, giving representation and reinforcement.
Our Approach
ESASCCO's approach is centred on empowering SACCOs through capacity building, digital transformation, and strong governance support. The Association advocates for enabling policies while promoting innovation and collaboration across the cooperative sector. By combining training, technology, and strategic partnerships, ESASCCO ensures that SACCOs remain sustainable, member-focused, and resilient.
Executive Members
The people elected by our member SACCOs to lead the Association.
Khaya Mavuso
PresidentGugu Mabuza
Vice-PresidentMandla Kunene
Secretary GeneralSifiso Dlamini
TreasurerOur Work, in Pictures
Meetings, training days, outreach in the rural areas, and the handshakes in between. This is what cooperative life looks like across the Kingdom.
In Their Own Words
We could tell you what we do. Better that you hear it from the shop owners, chairpersons, and savings groups we work with.
"Before I joined a SACCO under ESASCCO, no bank would look at me. Today my spaza shop has grown into two outlets and I pay three people a salary. This model works for ordinary Swatis like me."
"The training from ESASCCO changed the way our board thinks. We used to react to problems; now we plan ahead. Our membership grew by 40% in two years."
"The Central Finance Facility gave us the liquidity to fund a big project in our community. ESASCCO did not just hand us money — they taught us how to use it well."
Get In Touch
If you run a SACCO and want to join us, if you want to work with us, or if you are simply a member with a question, send us a message. A real person will get back to you.
Mon – Fri (08:00 – 17:00)
Mabandla Street, Mbabane, below St Marks High School, Mbabane, Swaziland, H100