- Regulated Saccos continued to expand their financial footprint in 2026
- Members borrowed billions for housing, education and agricultural activities
- Digital services are widening access as Saccos face challenges over unremitted deductions
Kenya’s regulated Saccos grew total assets to Ksh1.278 trillion by August 31, 2026, underscoring their growing role in financial inclusion.
The regulated Sacco sector continued its growth trajectory in 2025 and into 2026, supporting economic development across the country.
Speaking during the official release of the Sacco Supervision Report 2025 on Monday, September 28, 2026, Sacco Societies Regulatory Authority (SASRA) Chief Executive Officer David Sandagi said regulated Saccos had recorded remarkable growth during the year, reflecting sustained confidence among millions of Kenyans.
The latest figures show that as of August 31, regulated Saccos had gross loans of Ksh998.3 billion and deposits of Ksh896.6 billion. Capital reserves and retained earnings stood at Ksh272.5 billion.
Saccos also disbursed Ksh237.9 billion in credit during the period, supporting households, businesses and other economic activities.
According to Sandagi, total assets held by regulated Saccos stood at Ksh1.21 trillion in 2025, while deposits reached Ksh832.7 billion and gross loans stood at Ksh948.7 billion.
“Membership in regulated SACCOs increased to 7.88 million in 2025, reaffirming the central role SACCOs play in advancing financial inclusion and economic empowerment across Kenya,” Sandagi said.
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Sandagi said Sacco lending continued to play a significant role in supporting the socioeconomic needs of members.
In 2025, Saccos advanced Ksh157.2 billion to land and housing, Ksh125.5 billion to education and Ksh108.8 billion to agriculture.
The lending, he said, demonstrated the contribution of Saccos to household development and productive economic activities across the country.
Meanwhile, the sector is undergoing rapid digital transformation as institutions expand access to financial services through technology.
SASRA reported that 267 Saccos were offering digital credit products in 2025, while 250 Saccos were using mobile money platforms and 178 were leveraging mobile and internet applications.
The increasing adoption of digital platforms is changing how members access credit and other Sacco services, while widening access to financial services beyond traditional physical branches.
Despite the sector’s growth, Sandagi highlighted challenges surrounding the remittance of members’ Sacco deductions.
He said Ksh3.92 billion in Sacco deductions remained unremitted in 2025, affecting 104,331 members.
The CEO stressed the importance of timely remittance, noting that it safeguards members’ savings, strengthens Sacco liquidity and protects the gains made in financial inclusion.
Overall, the growth recorded in assets, membership, deposits and lending points to the increasing importance of regulated Saccos within Kenya’s financial system
By Obegi Malack
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