- Thousands of Sacco members were affected by delayed remittance of payroll deductions
- County governments and assemblies accounted for the largest share of unremitted funds
- The delays come as regulated Saccos continue expanding their assets and digital services
More than 104,000 members of Savings and Credit Co-operative Societies (Saccos) were caught in delayed remittances in 2025 after Ksh3.92 billion deducted from their earnings failed to reach the Saccos where the money was meant to be deposited.
The unremitted deductions span government institutions, public universities, State corporations and private companies, with county governments and assemblies accounting for nearly half of the outstanding amount.
The Sacco Societies Regulatory Authority (SASRA) disclosed that 104,331 members were affected by delayed remittances during the year.
SASRA Chief Executive Officer David Sandagi released the figures on Monday, September 28, 2026, during the unveiling of the authority’s Sacco Supervision Report.
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County governments and county assemblies recorded the largest share of unremitted deductions, at Ksh1.884 billion, affecting 52,746 Sacco members.
Public universities and tertiary institutions followed with Ksh725.91 million, affecting 6,928 members.
State corporations had outstanding deductions of Ksh480.55 million involving 7,668 members, while national government ministries accounted for Ksh157.99 million affecting 9,389 members.
Private companies recorded Ksh345.27 million in unremitted deductions, affecting 4,836 members.
Outstanding Sacco deductions rose from Ksh3.49 billion in 2024 to Ksh3.92 billion in 2025, an increase of approximately Ksh430 million.
At the same time, the sector is embracing technology. SASRA reported that 267 Saccos offer digital credit products, while 250 use mobile money platforms and 178 operate through mobile or internet applications.
By Hillary Muhalya
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