- Nearly half a million new members joined regulated Saccos during the year
- Growing deposits and loans reflect rising demand for Sacco financial services
- Member protection and trust remain key as the sector expands rapidly
Nearly half a million Kenyans joined regulated savings and credit co-operative societies (SACCOs) in 2025, pushing total membership to 7.875 million and further strengthening the sector’s role in financial inclusion and economic empowerment.
Speaking during the official release of the Sacco Supervision Report 2025 on Monday, September 28, 2026, Cabinet Secretary for Co-operatives and MSMEs Development Dr Wycliffe Oparanya said the sector remained resilient, stable and responsive to the financial needs of Kenyans.
Oparanya said regulated Saccos recorded significant growth during the year, with total assets rising from Ksh1.076 trillion in 2024 to Ksh1.210 trillion in 2025, representing a 12.5 percent increase.
Deposits grew by 11.1 percent, from Ksh749 billion to Ksh832 billion, while loans to members increased by 12.25 percent, from Ksh845 billion to Ksh949 billion.
The Cabinet Secretary said the growth reflected continued confidence in Saccos and their importance in providing affordable financial services to millions of Kenyans.
During the year, regulated Saccos disbursed Ksh596.54 billion across key sectors of the economy.
The funds enabled farmers to invest in agricultural production, parents to finance education, families to acquire homes, young people to establish enterprises and households to meet essential needs.
“These outcomes underscore the transformative impact of SACCOs in improving livelihoods and driving Kenya’s socioeconomic development,” Oparanya said.
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Sacco Societies Regulatory Authority (SASRA) Chief Executive Officer David Sandagi said the sector has maintained its growth momentum into 2026. As at August 31, 2026, regulated Saccos had accumulated Ksh1.278 trillion in total assets, while gross loans stood at Ksh998.3 billion and deposits at Ksh896.6 billion.
Capital reserves and retained earnings stood at Ksh272.5 billion. During the same period, Saccos advanced Ksh237.9 billion in credit, supporting households, businesses and other economic activities.
SASRA Board Chairman Jack Ranguma said member protection must remain at the centre of every Sacco decision. Effective complaint resolution, transparency and clear communication strengthen trust and confidence in Sacco services.
Overall, the continued expansion of assets, deposits, lending and membership points to the increasing contribution of regulated Saccos to Kenya’s financial system and broader economic development.
By Obegi Malack
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