- Land and housing received the largest share of Sacco loans in H1 2026.
- Education and agriculture followed as major borrowing categories.
- Sacco credit continues to support members’ investment and household needs.
A good number of Kenyans used loans from savings and credit cooperatives to buy land and secure home ownership during the first half of the year.
According to data released by the regulator, the Sacco Societies Regulatory Authority (SASRA), a total of Ksh32.10 billion in loans had been disbursed to Sacco members for land and housing as of June 30, 2026, making it the leading category among loans advanced to Sacco members.
Education followed with Ksh27.83 billion, while Ksh25.04 billion went towards agriculture. Another Ksh11.26 billion was advanced to members for household and social needs.
The figures show the role Saccos play in helping members meet both personal and investment needs.
IN CASE YOU MISSED IT:
For farmers, Sacco loans can provide capital for farm inputs and other agricultural activities. Parents, meanwhile, often use the facilities to meet school expenses, while other members rely on the loans to acquire land, construct homes or meet household needs.
The continued demand for Sacco credit comes as the cooperative movement maintains its role in Kenya’s financial sector. Saccos mobilise savings and provide credit to their members, and have traditionally served as an alternative source of credit, particularly for people seeking financing outside conventional financial institutions.
By Lizzy Aluga
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