Financing · Livestock partnership
Livestock Partnership
Ubia wa mifugo: SACCO na wewe mnamiliki mifugo pamoja, mnagawana faida halisi na kubeba hasara kwa haki.
Joint ownership and partnership
With a Livestock Partnership, you and the SACCO buy animals together. Both of you own them, in the shares you each contributed. You look after the animals using your skills and knowledge; the SACCO provides capital and support.
When the animals are sold, the money is used first to cover agreed costs and return each partner's capital. What is left is profit, shared by the agreed ratio.
What a partnership can be used for
| Use | How it works |
|---|---|
| Fattening and feedlots | Buy young steers, goats or sheep, fatten them over an agreed period, and sell at market. |
| Breeding and restocking | Build or rebuild a herd after drought, with an agreed plan for offspring and sales. |
| Livestock trading | Buy animals in one market and sell in another, cycle by cycle. |
| Butchery partnerships | Jointly own stock or equipment in a butchery business and share its actual profit. |
An illustration of profit and loss sharing
Made-up numbers, to show the method only.
Ten steers are bought for KES 400,000. The SACCO contributes KES 320,000 (80%) and you contribute KES 80,000 (20%). Feed and veterinary costs of KES 60,000 are agreed in the budget. The agreed profit ratio is 60% to you (for your work) and 40% to the SACCO.
If the steers sell for KES 580,000, the profit after costs is KES 120,000: you receive KES 72,000 and the SACCO KES 48,000, plus each partner's capital back. If they sell for only KES 430,000, there is a loss of KES 30,000: the SACCO bears KES 24,000 (80%) and you bear KES 6,000 (20%).
Who does what
- You manage the animals day to day: grazing, water, feed and care, following the agreed plan.
- You report regularly — photos, headcount and any illness or death — by WhatsApp or, after launch, the member portal.
- Each animal is tagged or branded and recorded in a partnership register.
- The SACCO's livestock officer visits regularly and helps with market prices.
- Both partners agree when and to whom the animals are sold. You may sell to MeatSoko Group at a fair market price, but you never have to.
Required documents
- National ID, Maisha Card or passport (and KRA PIN, where you have one)
- Letter from your chief or area administration confirming where you keep livestock
- Evidence of grazing rights, land or feedlot access
- Livestock movement permit and veterinary health certificate when animals are bought or moved
- Purchase receipts for animals
- Insurance documents, where cover is available
Application steps
Step 1: Talk to us
Message us on WhatsApp or visit the office to discuss your plan.Step 2: Apply
Tell us the type of livestock, numbers, location and your contribution.Step 3: Field visit
A livestock officer visits to see your grazing, water and existing herd.Step 4: Agree the plan
Together we agree the budget, the sale plan, the capital shares and the profit ratio.Step 5: Approval and agreement
The committee decides. If approved, both partners sign the partnership agreement before any animals are bought.Step 6: Buy, tag and grow
Animals are bought (paid to the seller directly), tagged and recorded. You report regularly.Step 7: Sell and share
Animals are sold, costs are covered, capital returned, and profit or loss shared as agreed. You get a full statement.
Risks and disclosures
Before you choose Livestock Partnership
- Drought, disease, theft and falling market prices can cause losses — and you share in them according to your contribution.
- Insurance may not be available in every county or for every risk.
- If a loss is caused by negligence or by breaking the agreement, the partner at fault may have to bear it.
- Partnership animals may not be sold, slaughtered or moved without the SACCO's agreement.
- Profit is not guaranteed. A partnership may end with no profit.
In Kiswahili
Kwa Kiswahili
Ubia wa Mifugo
Wewe na SACCO mnanunua mifugo pamoja na kuimiliki kwa pamoja. Wewe unaitunza; SACCO inatoa mtaji na msaada.
Faida inagawanywa kwa uwiano mliokubaliana. Hasara ikitokea bila uzembe, kila mshirika anabeba kulingana na mchango wake. Hakuna faida iliyohakikishwa.