SAVING & INVESTING TOGETHER
Jamii DT Sacco has emerged as a trailblazer in member empowerment, positioning itself as an institution where members’ dreams are actualized. From an individual dreaming of owning a home to a budding entrepreneur eager to take their business to the next level, Jamii DT Sacco makes it possible through accessible and affordable financing. The Sacco’s annual report for the financial year ending 31st December 2025 portrays an institution heading in the right direction, moving alongside its members to enable them to save and invest together.
Despite high inflationary pressures, an increased cost of living, and constrained liquidity in the country’s financial markets in 2025, Jamii DT Sacco demonstrated resilience and stability, recording growth across key balance sheet indicators.
The Sacco’s total assets grew to Ksh 6.258 billion in 2025, up from Ksh 5.917 billion in 2024. This growth was boosted by increased member savings, prudent asset management, and sustained member confidence.
Defying prevailing economic pressures, members’ deposits registered an impressive growth from Ksh 3.96 billion in 2024 to Ksh 4.31 billion in 2025. This was achieved despite delays in remittance from some employers.
“This growth indicates continued commitment and trust in the Sacco as a preferred savings and investment institution,” said Mr. Harrison Katoni, the Sacco’s National Chairman, speaking during the 54th Annual Delegates Meeting (ADM) held recently at the Sacco’s headquarters in South B, Nairobi.
He noted that the Sacco has strengthened its capital base, ensuring members’ financial needs are adequately met at all times while adhering to all regulatory requirements and maintaining sustainable growth.
To support members’ growth, Jamii DT Sacco’s leadership and management have adopted a prudent lending approach that accounts for the prevailing economic conditions while mitigating credit risks. As of 31st December 2025, the Sacco’s gross loan portfolio stood at Ksh 3.95 billion.
“We urge members to take advantage of the Sacco’s collateralized loans,” Mr. Katoni added, noting that management has also proactively restructured loans in response to members’ evolving needs.
Financially, the Sacco netted revenue of Ksh 738 million. Highlighting the institution’s commitment to delivering value, members received attractive annual returns on their savings and deposits, earning dividends on shares at a rate of 14% and interest on deposits at 8.5%. In total, members received a payout of over Ksh 400 million as annual returns for FY 2025.
“This growth indicates continued commitment and trust in the Sacco as a preferred savings and investment institution.”
~ Mr. Harrison Katoni, National Chairman
To sustain this momentum, the Sacco is strengthening its digital onboarding and marketing platforms while implementing a structured recruitment and retention strategy. Additionally, it has bolstered its human resources through targeted training and performance management to enhance operational capacity and improve service delivery.
Sacco Launches New Strategic Plan
The Jamii DT Sacco Board of Directors officially launched a new strategic plan for the 2026–2030 period. The blueprint offers a clear roadmap for growth, focusing on four key pillars: member and customer focus, financial management, internal processes, and learning and growth (human resources) focus.
“The implementation of this strategy will position the Sacco for long-term competitiveness and resilience,” said Mr. Katoni.
The Sacco has already begun the journey toward implementing a robust Quality Management System (QMS), having achieved ISO 9001:2015 certification in 2024. The QMS brings numerous benefits, including improved customer satisfaction, enhanced stakeholder confidence, consistent and quality service delivery, a culture of continuous improvement, and strengthened regulatory compliance.
“The Board remains committed to strengthening governance, improving service delivery, and safeguarding members’ interests. I appreciate the Board, Supervisory Committee, CEO, management, staff, members, and partners for your commitment to excellence, which has been integral to our success over the years,” Mr. Katoni stated.
Branch Expansion and Technological Advancements
To enhance service accessibility and strengthen its regional presence, the Sacco plans to open a new satellite office in Kisumu this year. This strategic expansion is expected to bring services closer to members while supporting overall business and membership growth.
The Sacco Treasurer Mr. Ambrose Ogango noted that the balance sheet reflects an institution on the right track, having met all prudential guidelines set by the sector regulator- the Sacco Societies Regulatory Authority (SASRA).
“The Sacco’s core business remains the mobilization of savings and the provision of credit services to members at competitive rates in a dynamic environment. We further leverage technology to provide prompt and quality services with a view to empowering and uplifting the livelihoods of our members,” said Mr. Ogango.
Jamii Sacco Chief Executive Officer CPA Daniel Achieng’ echoed this commitment to innovation: “We are investing in robust, efficient, and user-friendly digital systems. Our top priority at Jamii DT Sacco is to embrace technology and create a future where it seamlessly integrates with our human-centric approach to banking. We believe this will help us offer an efficient, secure, and deeply connected banking experience that aligns with our values.”
He noted that the majority of the Sacco’s services are now available online. Recently, the institution implemented an Electronic Document Management System (EDMS) to digitize its records and introduced a Customer Relationship Management (CRM) system to ensure members’ concerns are addressed promptly.
The Sacco has also introduced an e-board system to improve management efficiency, ensuring board members receive information well in advance to review and submit suggestions prior to meetings.
Together, these initiatives ensure the Sacco continues to deliver value, remaining focused on long-term stability and sustainable progress.
Government Commendation
Mr. David Obonyo, Commissioner for Co-operative Development, graced the ADM as the Chief Guest. He hailed the Sacco’s milestones, noting that the new strategic blueprint will ensure the institution executes its core mandate effectively.
“The government is keen on strengthening the co-operative movement to ensure Saccos like Jamii continue enhancing service delivery and driving sustainable impact across the country,” he said.
Since 1972, Jamii DT Sacco has been transforming lives and helping members brighten their futures by uniting them to save and invest together. By continuously introducing improved and innovative products that perfectly meet the financial needs of its diverse membership, Jamii DT Sacco is actively making life better for all its members.
“We are investing in robust, efficient, and user-friendly digital systems. Our top priority at Jamii DT Sacco is to embrace technology and create a future where it seamlessly integrates with our human-centric approach to banking.”
~ CPA Daniel Achieng’, CEO.
