s4empowersacco

info@s4empowersacco.co.zw +263 77 305 1461

S4 Empower SACCO

S4 Empower SACCO is a member-owned Savings and Credit Cooperative Organization formed and registered with the objective of providing financial intermediation on behalf of its members. Our members can be individuals, groups or institutions. S4 Empower SACCO is not a commercial bank, but a cooperative that offers savings, to generate deposits, shares, and issue loans to its members, and not to the public.

S4 Empower SACCO is a voluntary organization, open to all persons able to use our services and willing to accept the responsibilities of membership, without gender, social, racial, political or religious discrimination.

How it Works

Save regularly and grow your contributions, borrow responsibly to meet your personal or business goals, earn dividends and benefit from SACCO growth, vote & participate in SACCO leadership and direction.

What you need

✔ Be an individual 18 years or older.
✔ Have a valid ID or passport.
✔ One passport-size photo
✔ Proof of address or residence
✔ Minimum membership fee (as set by SACCO policy)
✔ Minimum savings deposit (member shares)
✔ Minimum initial savings deposit.

Membership

Once a member, you can:
✔ Save regularly
✔ Apply for loans
✔ Access training and support
✔ Participate in decision-making and voting
✔ Receive dividends from SACCO profits.

investments

As part of our commitment to growing members’ wealth and strengthening the SACCO’s financial base, S4 Empower SACCO aims to diversify its investment portfolio in high-potential areas.

Our Future Investment Opportunities

1. Bonds

We plan to issue and invest in bonds as a secure, fixed-income investment. Bonds provide steady interest earnings over time, offering S4 Empower SACCO and its members a reliable source of passive income.

2. Unit Trusts

We will explore unit trusts, which pool funds into a professionally managed, diversified portfolio that may include stocks, bonds, and real estate. This approach reduces risk while opening opportunities for higher returns.

3. Real Estate

We aim to invest in residential, commercial properties, and land to generate long-term capital growth and consistent rental income. As of to date we have made an investment in a commercial property in Chitungwiza.

4. Agriculture

We see enormous potential in agriculture-related investments, including contract farming, agro-processing, and irrigation projects, thus generating strong financial returns but also create jobs, and enhance food security.