Stima Investment Co-operative Society Ltd

What Stima Investment Co-operative Society Ltd does

Stima Investment Co-operative Society Ltd is a Kenyan member-owned investment cooperative registered in 2005 under the Co-operative Societies Act Cap 490, headquartered at Stima Investment Plaza in Parklands, Nairobi. Originally formed for employees of energy sector enterprises (Kenya Power, KenGen, GDC, Ketraco, ERC, REREC and others), the society opened membership to the general public in 2014 and now serves over 16,000 members, including diaspora investors and registered chamas. The cooperative mobilizes member share capital and monthly contributions to deploy across land trading, residential and commercial property development, and financial asset investments.

The society's product portfolio spans three lines: land development projects (Veridian Park, Neema Gardens, Daystar Park, Breeze Gardens, Kathwana Gardens, Fahari Gardens), residential housing developments (Stima Heights, Astana Residence, Ruaka Heights Apartments), and insurance agency services through its wholly-owned subsidiary Stima Investment Insurance Agency Ltd, licensed under The Insurance Act in 2015. Unit pricing for plots ranges from KES 600,000 to KES 2,500,000 with member-versus-non-member price differentials and installment plans up to 12 months; apartment units range from KES 2.4M to KES 11.5M with mortgage financing arranged through Co-operative Bank of Kenya, Kenya Mortgage Refinance Company (KMRC), and Shariah-compliant partners. The core technology stack is a member portal and website (Estatik-powered property listings) — there is no proprietary technology product or AI component.

The business model is transaction-driven rather than subscription-driven: land and housing generate one-time sale revenue, while insurance and member monthly contributions produce recurring revenue. Members receive subsidized pricing, priority allocation on launches, and annual dividends pro-rated to shareholding. The society has approximately 20 employees supporting sales, legal, finance, procurement, ICT, and customer service functions, with a governance structure comprising an elected Board of Directors and Supervisory Committee. Operations span six Kenyan regions (Nairobi, Kiambu, Machakos, Kajiado, Tharaka Nithi, Athi River) with no stated international footprint beyond diaspora engagement.

Name

Stima Investment Co-operative Society Ltd

Legal name

Stima Investment Co-operative Society Ltd.

Website

https://stimainvestment.co.ke

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Real Estate Investment

NAICS

Finance and Insurance (52), Portfolio Management and Investment Advice (523940)

SIC

Investors, Nec (6799), Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAAALAG

Sustainable Private Markets (Impact PE/VC, Private Credit, Infrastructure)

Financial & Insurance/Asset & Wealth Management/Asset Management — ESG/Sustainable & Impact Investing

Keywords

• Cooperative society investment
• Real estate investment
• Residential land development
• Affordable housing development
• Insurance agency services

Headquarters

HQ city

Nairobi

HQ country

Kenya

HQ region

Africa

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Supply Chain, Personnel, Marketing or Sales, Infrastructure

Revenue model

1. Land Trading: Buying and selling of land to both members and non-members, with members receiving subsidized prices.
2. Residential Property Sales: Investment in and sale of residential properties including apartments and housing units.
3. Commercial Property: Investment in commercial property for sale and leasing.
4. Insurance Agency: Stima Investment Insurance Agency Ltd, licensed under The Insurance Act in 2015, offers all classes of insurance products including life, non-life, medical products, and claim management services.
5. Financial Assets Investment: Investing in financial assets and money markets.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels8 records

Core offering

Stima Investment is a member-owned cooperative society that pools member contributions to invest in subdivided residential and commercial land plots across Kenya, develop and sell residential apartment housing, and distribute insurance products through its licensed subsidiary Stima Investment Insurance Agency Ltd. Membership is open to the general public and includes benefits such as subsidized pricing on properties, priority access to new launches, and annual dividends based on shareholding.

Product overview

Stima Investment Co-operative Society Ltd is a member-owned investment society registered under the Co-operative Societies Act in 2005. The company operates as a diversified real estate investment platform offering land development projects (Veridian Park, Neema Gardens, Daystar Park, Breeze Gardens, Kathwana Gardens, Fahari Gardens), residential housing developments (Stima Heights, Astana Residence, Ruaka Heights Apartments), and insurance products through its licensed insurance agency subsidiary. The core business model involves mobilizing member funds to invest in land, financial assets, commercial and residential property, insurance, and money markets to generate returns for over 16,000 members.

Differentiator

Problem solved

Functional benefit

Brands

• Stima Investment Insurance Agency: Insurance subsidiary offering all classes of insurance products including life, non-life, medical, and risk management services to members and non-members. Licensed under The Insurance Act in 2015.

Products and services

• Stima Heights Affordable housing development in Parklands, Nairobi comprising 214 studios and 234 one-bedroom apartments, 5 minutes from CBD on Superhighway, with boundary wall and electric fence, borehole, CCTV, rooftop terrace, backup generator and high-speed lifts.
• Veridian Park 50-acre masterplanned gated community in Thika along Thika-Gatura Road offering ready-titled residential and commercial 1/8-acre plots from KES 2.5M with all-weather paved roads, water and electricity connections, perimeter wall, 24/7 CCTV, clubhouse, ECDE center and commercial hub. 328 plots available.
• Neema Gardens Land project in Machakos County, 15 minutes from Joska Town, consisting of 149 eighth-acre plots with flat terrain, excellent drainage, and a mix of black cotton and loam soil, located 400 meters from Sunshine Market.
• Daystar Park Land estate at the foot of Lukenya Hills, 25 minutes from Nairobi CBD via Nairobi Expressway. 5 acres subdivided into 38 plots of 1/8 acre each, fully demarcated with permanent beacons and legal title deeds.
• Breeze Gardens Kantafu Land project in Kangundo Road, Kantafu Area featuring 1/8 acre plots with flat terrain and loam soil. Starting price KES 700,000 with installment payment options up to 12 months.
• Kathwana Gardens 5-acre land project near Kathwana town and Tharaka Nithi County Assembly, subdivided into 50 by 100 plots at an introductory price of KES 600,000 per plot for the first 10 buyers.
• Fahari Gardens Kitengela 10-acre land project in Kimalat neighborhood of Kitengela along Kitengela-Namanga Road, subdivided into 86 plots of 1/8 acre each with ready individual freehold titles, located 3.2 km from Kitengela-Namanga Highway.
• Ruaka Heights Apartments Apartment complex in Ruaka along Banana Road, Kiambu County offering Studio, 1-bedroom, 2-bedroom (Standard and Luxury View), and 3-bedroom (Standard and Luxury View) apartments. Units range from 45-115 SQM with prices from KES 4.5M to KES 11.5M. Amenities include 24-hour security, rooftop green space, generator, high-speed lift, ample parking, gym and borehole.
• Astana Residence Ngara Luxury residential development in Ngara, Nairobi featuring Premium Studios (291 SQFT) and Deluxe One-Bedroom units (452 SQFT). Amenities include swimming pool, rooftop residents lounge, fully fitted gym, high-speed lifts and 24/7 CCTV security. Promises 10% rental yields and 30% capital appreciation over 2 years.
• Stima Investment Insurance Agency Wholly-owned subsidiary licensed under The Insurance Act in 2015 offering all classes of insurance products including life, non-life, medical products, and claim and risk management services to cooperative members and non-members.
• Cooperative Membership Program Cooperative membership program offering subsidized prices on land and houses, priority access to product sales and commercial rental spaces, annual dividend payments pro-rata to shareholding, and high-quality due diligence services. Registration fee KES 5,000, minimum 300 shares at KES 200 each totaling KES 60,000, and minimum monthly contribution of KES 1,000 or annual KES 12,000.

Quantifiable outcome

• 10% rental yields on Astana Residence units
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Expansion highlights6 records

Direct peers

• Hass Consult: Established Kenyan real estate advisory, valuation, and property development firm. Comparable because it develops and sells residential and commercial property in the same Nairobi-area counties as Stima, targeting similar mid-market individual buyers.
• Optiven Real Estate: Kenyan real estate firm selling plots and housing developments across satellite towns of Nairobi (Kitengela, Athi River, Kajiado region). Overlaps significantly with Stima's land and housing product offerings in the same geographic corridors.
• Cytonn Investments: Kenyan real estate investment and development firm offering property investment products to individuals and institutions. Most directly comparable as a Kenyan real estate investment platform serving retail investors, with overlapping product offerings (land, housing, financial assets).
• Superior Homes Kenya: Kenyan residential property developer building gated communities and apartments in Nairobi and Kiambu. Comparable for mid-market housing development in the same counties (Nairobi, Kiambu, Machakos) where Stima operates.
• Knight Frank Kenya: Global real estate consultancy with a Kenyan office offering advisory, brokerage, and property management services. Comparable as a Kenya-based real estate intermediary serving similar buyer demographics and geographic markets.

Broad incumbents

• Co-operative Bank of Kenya: Kenya's largest cooperative-focused bank and a key financing partner for Stima's Veridian Park project. Comparable as a broader cooperative ecosystem player that operates at much larger scale in cooperative-aligned financial services.
• Britam Holdings: Pan-African financial services group with insurance, asset management, and real estate divisions operating in Kenya. Comparable as a broader incumbent with overlapping insurance agency and property investment activities in the same market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@StimaInvestmentCooperative
• Facebookfacebook.com/StimaInvestment
• LinkedInlinkedin.com/company/stima-investment-co-operative-society-ltd
• Instagraminstagram.com/stima_investment

Revenue estimate

Valuation estimate

Number of profiles

Profiles19 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Stima Investment Co-operative Society Ltd