USHINDI PAMOJA
For many ordinary Kenyans, access to affordable credit is the bridge between stalled dreams and life-changing progress. At Prime-Time DT SACCO, that impact is becoming increasingly visible—not just on balance sheets, but in the transformed lives of its members.
From small-scale traders expanding their businesses to families investing in education and housing, the SACCO’s member-focused lending model is rewriting financial stories across its network. Backed by steady growth and prudent governance, the institution is positioning itself as a premier partner in economic empowerment.
In Elgeyo Marakwet and beyond, the SACCO is facilitating access to affordable loans that allow entrepreneurs to scale their ventures. These lives are being transformed by flexible repayment terms and competitive interest rates, leading to a notable rise in the number of “SACCO millionaires” within the ranks. These success stories reflect a broader shift driven by accessible and responsible lending.
The SACCO’s 2025 performance tells a compelling story of member confidence. Loan disbursements saw a significant surge: BOSA (Back Office Service Activity) loans grew by 28.5%, while FOSA (Front Office Service Activity) lending increased by 16%. Overall, credit recorded a growth of 15.1%. To support this expansion, the Board has strengthened credit appraisal, recovery systems, and policy enforcement regarding guarantors to ensure sustainable growth.
Its impact is underpinned by a strong financial foundation. A strong financial performance in 2025, saw Prime-Time DT SACCO record upward trends across all key indicators. Membership expanded by 13.8% to reach 5,449 members, while share capital grew by 22.9% to Ksh 97.8 million. This momentum was further reflected in member deposits, which rose by 12.7% to Ksh 891.9 million, providing a more robust base for lending. On the earnings front, total income surged by 25.8% to Ksh 160.4 million, driving a 27.1% increase in net surplus. Ultimately, this strong performance saw the SACCO’s total asset base expand from Ksh 1.03 billion in 2024 to Ksh 1.17 billion in 2025.
The Society management has ensured continued adherence to all Sacco Societies Regulatory Authority (SASRA) prudential guidelines. As a reward for this stability, members earned dividends on shares at a rate of 9% and interest on deposits at 5%.
Resilience
According to Board Chairman Thomas Rotich, the institution’s approach goes beyond mere numbers. Speaking during the SACCO’s 29th Annual Delegates Meeting (ADM), he highlighted the institution’s durability.
“Despite economic pressures in 2025—including a rising cost of living and credit repayment challenges—the SACCO remained stable and resilient. We focused on safeguarding member funds, strengthening governance, and improving operational efficiency,” Mr. Rotich said.
He noted that member engagement has been critical in shaping these policies. “Through the 2026 Zonal Education Meetings, we engaged members directly on concerns such as loan discipline, guarantor exposure, and service efficiency. This feedback has informed our ongoing strategic improvements.”
Mr. Rotich noted that this growth is the result of deliberate efforts to balance expansion with sustainability. “These results confirm that the SACCO remains financially sound and within regulatory liquidity thresholds,” he added.
Strategic Expansion
Even as lending expands, the SACCO is securing its future. Plans to gradually increase minimum share capital aim to enhance financial resilience, ensuring members can access credit without exposing the institution to undue risk.
The SACCO is also growing its physical footprint. In 2025, the Biretwo Branch was operationalized, and preparations commenced for the Kamoi Satellite Office. Expansion will continue prudently to balance accessibility with financial stability.
The Chief Guest at the ADM, Co-operative Bank SACCO Assurance Officer Stanley Rotich, urged the institution to continue embracing technology. “By reaching out to young people and those in the Diaspora through technology, you will make service delivery easier and faster,” he noted.
Since its inception in 1995, Prime-Time DT SACCO has established itself as a trusted financial ally. Situated in Iten, Elgeyo Marakwet County, and founded by visionary community leaders, it remains a cornerstone of financial inclusion.
“Our members are at the heart of everything we do. At Prime-Time, we believe in creating genuine value through reliable financial services,” said CEO CPA Nahashon Kimutai.
With its slogan “Ushindi Pamoja” (Winning Together), the SACCO is doing more than just financing projects; it is fueling aspirations. For thousands of members, this access to affordable lending is proving to be a powerful catalyst for a brighter future.
Mission
To be the premier financial institution in the region and beyond.
Vision
To improve the welfare of members through the provision of quality, efficient, innovative and market driven financial services.
