The NTSA is tasked with maintaining order on Kenyan roads. One way they achieve this is by requiring all PSVs operating in the country to be registered under a Sacco or a limited company.

One of the largest Matatu Saccos in Kenya is 2NK. The 2N represents Nairobi and Nyeri, and the K stands for Karatina. 2NK matatus serve the Mt. Kenya region and parts of the Rift Valley.

A large part of their fleet consists of 14-seater matatus. In an industry often seen as chaotic and disorderly, it’s surprising to find a woman at its helm. Anne Nyawira is the CEO of 2NK Matatu Sacco, which is chaired by James Kahiro.

The Sacco started with 30 members and now boasts about 800 matatus and an asset base of over Sh. 250 million. Under Anne Nyawira’s leadership, the Sacco has launched several initiatives, resulting in annual turnovers exceeding Sh. 200 million.

In a past interview, Nyawira mentioned that 2NK welcomes new members, but there are specific requirements to be met.

Sacco membership is divided into Class A and Class B. Members investing in vehicles can have up to 7 vehicles at a time, including those with the latest registration numbers.

“The first requirement is to have a new matatu (Toyota Hiace), the latest registration number or the immediate previous number because we understand delaying in registration. One person can own up to seven matatus according to the by-laws,” she said while speaking of the Class A Sacco membership

They also allow non-matatu owners to join and save money or access loans through the front office service, which falls under Class B Sacco membership.

The Sacco operates under strict rules. Drivers are not allowed to have conductors or handle the collected cash, ensuring discipline and accountability.

Drivers must pick up a delivery note with trip and passenger details and deliver it to their next destination. Drivers and owners are paid monthly, similar to formal employment.

Inside 2NK Sacco: History, membership, benefits and routes

2NK Matatu Sacco has also invested in its own vans to boost revenue, in addition to allowing individual vehicle investors.

Besides passenger transport, Nyawira mentions that Sacco has expanded into parcel delivery, insurance, and the fuel business, with petrol stations in Nyeri, Nairobi, and Karatina.

2NK Sacco is known for its philanthropic efforts, actively giving back to the community. They have previously partnered with Nyeri Hospice, TumuTumu School for the Deaf, and other schools and homes that support people with special needs.

Peter, a matatu owner, shared that the Sacco has helped him build rental apartments in Karatina, which he has used to support his children’s education.