Sacco Review | The Leading Newspaper for Co-operative Movement in Kenya
The Leading Newspaper for Co-operative Movement in Kenya
The first thirty days in any new role are often misunderstood. Many leaders assume this period is too early to judge an employee’s value, preferring to wait for measurable results over several months. Yet, the truth is far more compelling: the first month does not reveal performance, but it reveals something far more powerful—potential. And…
In the world of loans and mortgages, borrowers often place valuable assets such as land, houses, or vehicles as security when seeking credit. While this arrangement helps individuals access much-needed funds, it also exposes them to the risk of losing their property if they fail to repay the loan. To prevent lenders from unfairly taking…
Losing money by dropping it carelessly while taking a leisurely walk is a painful thing. But losing money that you have been agonizingly saving in a Savings and Credit Cooperative Societies (Saccos) for years is a life-changing event that can sink you into penury for the rest of your life. That is why protecting Sacco…
A legal vacuum and an outdated law has denied Savings and Credit Cooperative Societies(SACCOs)the opportunity of listing and raising cheaper capital from the Nairobi Securities Exchange. Compared to listed firms that can float a bond or commercial paper to raise cash, SACCOs rely purely on internal sources including doing share drives through selling more shares to…
As Kenya’s economy rebounds from global disruptions, Savings and Credit Cooperative Organizations (SACCOs) stand at a pivotal juncture. These member-owned institutions, which manage over Ksh1.1 trillion in assets and serve millions across urban and rural divides, have long been pillars of financial inclusion. In 2025, the sector defied economic headwinds like inflation and supply chain…
Listen up, SACCO members: If you’re about to slap your signature on a loan guarantee form for a colleague or another member, pausing. Take a deep breath. Then shred that thing unless you’ve done your homework. In the cutthroat world of cooperative lending, guaranteeing a loan isn’t some noble act of camaraderie—it’s a financial landmine…
The power of authentic Arimis lies not in clever advertising, glossy rebranding or influencer hype, but in an honest story of usefulness. Arimis milking jelly was never designed for cosmetic shelves or beauty routines. It was made for cows. Specifically, it was formulated to soften and protect the teats of dairy cows during milking, preventing…
Complacency is not loud. It does not announce its arrival with crisis or catastrophe. It creeps in quietly, disguised as success, comfort, and routine. For Saccos, complacency is especially dangerous because it often hides behind impressive numbers, glowing awards, and years of hard-won trust. Yet history is unforgiving: organizations rarely collapse because they failed once;…
In the heart of our communities, where families save for school fees, businesses borrow to grow, and neighbours pool resources for a better tomorrow, Savings and Credit Cooperatives (SACCOs) stand as pillars of financial hope. Yet, too often, the voices of those who live and breathe these realities are drowned out by top-down policies and…
In September 2025, the Kenyan government dropped a regulatory bombshell on the cooperative sector: small Savings and Credit Cooperatives (Saccos) with assets under Sh100 million must merge with larger entities or face dissolution. This directive, ostensibly aimed at bolstering financial stability and operational resilience in a sector plagued by inefficiencies and vulnerabilities, has ignited a…
