Kenya’s regulated Saccos disbursed Kshs 132.09 billion in credit by June 2026. While this marks a strong 14.1% recovery from March, the portfolio reflects a shift in how Sacco members are utilizing funds.
Here is the definitive ranking of Sacco-funded sectors, from the leading to the lowest funded:
1️⃣ Land and Housing (Kshs 32.10B): Still the #1 priority for members, but under sustained pressure. Funding has dropped every single quarter since December 2025 (Kshs 35.31B).
2️⃣ Education (Kshs 27.83B): A solid #2. This sector remains a pillar of Sacco lending, showing consistent year-on-year growth of 26.5% compared to June 2025.
3️⃣ Agriculture (Kshs 25.04B): The most volatile sector. It saw a massive 34% rebound this quarter (up from March’s 18.70B), led by Crop Farming (11.82B) and Animal Production (10.56B).
4️⃣ Trade (Kshs 19.03B): A major growth engine! Up 26.7% year-on-year, with Wholesale and Retail (13.25B) making up the bulk of this activity.
5️⃣ Consumption and Social Services (Kshs 11.26B): Used primarily for household needs, utilities (2.67B), and staples (5.87B).
6️⃣ Finance, Investments & Insurance (Kshs 7.62B): The biggest gainer since December (+15.1%). Members are increasingly borrowing for Mortgage Finance (3.14B) and other investment vehicles.
7️⃣ Manufacturing and Servicing (Kshs 5.59B): Faces a decline, dropping 13.9% since December. Servicing (4.07B) remains the dominant sub-sector here.
8️⃣ Human Health (Kshs 3.62B): While the smallest in volume, it has seen the highest percentage growth (36.15% y/y), reflecting the rising cost or demand for health services.
While Total Assets have climbed to Kshs 1.25 trillion, the sector’s Non-Performing Loan (NPL) ratio stands at 6.56%. This remains above SASRA’s 5% regulatory ceiling, signaling a need for cautious credit management as we move into the second half of the year.
