SACCOs( Savings and Credit Cooperative Societies) disbursed loans amounting to KSh 596.54 billion in 2025 towards the eight (8) key sectors of the economy.

According to the latest Sacco Societies Regulatory Authority(SASRA) report, Land and Housing remained the largest beneficiary in 2025 receiving KSh 157.20 billion, followed by the Education and Agriculture sectors which received KSh124.51 billion and KSh 110.74 billion respectively. The Human Health sector received the least funding in loans disbursed during the year amounting to KSh 14.65 billion

Changes in the licensed SACCOs list in 2025

At the close of the year 2025, there were 179-DT-SACCOs licensed to undertake deposit-taking SACCO business and 178-NWDT-SACCOs authorized to undertake specified non-withdrawable deposit-taking SACCO business in accordance with the Authority’s statutory mandate.

The year under review witnessed notable changes in the licensing and authorization landscape with Nufaika SACCO Society Ltd ceasing to undertake licensed deposit-taking SACCO business after its members voluntarily joined the membership of another regulated DTSACCO namely Fortune SACCO Society Ltd.

At the same time, one) NWDT-SACCO namely Kumbukumbu SACCO Society Ltd transitioned to deposit-taking SACCO business while Setyon SACCO Ltd was successfully licensed to undertake deposit-taking SACCO business.

There were 357 regulated SACCOs from which 179 were DT SACCOs while 178 were Specified NWDT-SACCOs.

Within the NWDT-SACCO segment, PESA SACCO Society Ltd failed to apply for renewal of its authorization and consequently ceased undertaking specified non-deposit taking SACCO business.

Conversely, three SACCOs namely ACK Imani Talent SACCO Ltd, Kenfam SACCO Society and Urban Roads SACCO Society Ltd were successfully authorized to undertake specified non-deposit-taking SACCO business during the year.

The financial performance of Regulated SACCOs remained robust with all key performance indicators recording sustained growth.

Total assets continued on an upward trajectory and grew to KSh 1.21 trillion, building upon the historic milestone achieved in 2024 when the industry first surpassed the trillion mark when it recorded an asset base of KSh 1.08 trillion.

It is noteworthy that the growth in 2025 was largely driven by DT-SACCOs whose total assets grew to reach the trillion mark at KSh 1.07 trillion while the NWDT-SACCOs expanded their asset base to KSh 141.36 billion over the same period.

Total Assets of Regulated SACCOs remained above KSh 1 trillion threshold expanding by 12.50% to reach KSh 1.21 trillion.

SASRA notes that Tier 1 SACCOs, which comprises SACCOs with assets exceeding KSh 5 billion, continue to maintain the largest market share accounting for 77.62% of the total industry’s assets in 2025 compared to 77.07% in 2024.

Notably, this market share was controlled by only 61-  SACCOs representing 17.09% of the 357-SACCOs. While this allows for targeted and risk-based supervision, it also underscores the need for regulatory interventions aimed at supporting the medium and small tier SACCOs to promote a balanced and sustainable growth in the industry.

61  SACCOs control 77.62% of the total assets Members’ deposits and savings, which remain the primary source of funding member loans, increased to KSh. 832.74 billion in 2025 from KSh 749.43 billion recorded in 2024.

Similarly, gross loans and advances grew to KSh 948.67 billion in 2025 from KSh 845.11 billion in 2024 reflecting consistent demand for SACCO-based credit across the membership and reinforces members’ trust and confidence in the SACCO business model.

While deposits have continued to grow steadily, a notable gap remains between total deposits and gross loans, with loans exceeding deposits. This gap is primarily financed by retained earnings and institutional reserves with a relatively small proportion funded through external borrowing.

The growing member participation and confidence was further evidenced by a significant increase in the total number of deposit accounts held by SACCOs to 18.95 million in 2025 from 16.05 million in 2024 representing a growth of 18.07%.

This growth was nearly double the growth rate of 9.74% recorded in 2024 and reflects the overall increase in membership as well as increase in members’ multi accounts which can be certainly be interpreted as a measure of improved public confidence in the SACCO business model.