ARDHI KWA USTAWI
Defying a challenging economic environment marked by increased taxation and a high cost of living, Ardhi Sacco has registered impressive financial growth across key metrics for the 2025 financial year.
The Sacco’s total assets grew by 11.45% in 2025. Members’ deposits and savings also rose steadily by 4.55%. The Society’s core lending portfolio expanded significantly, with gross loans and advances to members up by 7.59% in 2025.
“Our financial position is strong. Our mission is clear, and we have a deep bench of talent ready to step up as we prepare for a new chapter of growth.”
~ Mr. Cephas Wafula, National Chairman.
Boosted by the introduction of innovative, tailored products, total revenue increased by 15 percent. Consequently, annual returns to members grew by 4.8 percent, allowing the Sacco to pay out dividends on shares at 7.1 percent and interest on members’ deposits at 6.7 percent.
Speaking during the Sacco’s 55th Annual Delegates Meeting, National Chairman Cephas Wafula attributed the robust performance to prudent financial restructuring, enhanced risk management, and the Society’s responsiveness to evolving member needs.
“Our financial position is strong. Our mission is clear, and we have a deep bench of talent ready to step up as we prepare for a new chapter of growth,” Mr. Wafula said. He noted that with the current strategic plan concluding this year, the leadership is developing a new five-year blueprint to guide the Sacco’s future.
To alleviate the financial burden on its members, the Society recently restructured its pricing, reducing its loan interest rate from 1.2 percent to 1 percent per month on a reducing balance. This member-centric approach has been paired with a technological overhaul, including the rollout of a USSD platform, mobile banking, and specialized products for youth and small and medium-sized enterprises (SMEs).
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Beyond internal innovations, the Sacco is actively strengthening strategic partnerships with fintech companies and development partners to expand its market share.
Echoing the Chairman’s sentiments, the Sacco Chief Executive Officer, Bernard Mariga, urged members to leverage these platforms to build a culture of savings and responsible borrowing.
“Our vision is to be a vibrant Sacco delivering integrated, world-class financial solutions to our customers,” he said. “Together with our members, we continue building financial empowerment, trust, and sustainable growth.”
The delegates’ meeting also featured insights from key industry stakeholders.
The acting National Director of Physical Planning in the Ministry of Lands, Public Works, Housing and Urban Development, Karuru Chege, the event’s chief guest, shared a compelling personal testimonial. Having evaluated multiple Saccos over three decades ago, he chose Ardhi Sacco and has relied on it for financial support throughout his professional journey. The results have been a game-changer for him. “I have achieved much personal development through the Sacco support.”
Representing the county government of Nairobi, the County Chief Officer George Mutiso, highlighted the county’s commitment to tightening regulations to protect members’ wealth. He revealed that measures are currently being considered to make loan defaulting and the failure of employers to remit member deductions criminal offences. Furthermore, he advised members to prioritize institutional growth and access to affordable credit rather than placing excessive pressure on leadership for higher dividends, while voicing support for a deposit guarantee fund and inter-Sacco lending systems.
Registered in 1971, Ardhi Sacco has grown from an exclusive cooperative for Ministry of Lands and Settlement employees into a dynamic, inclusive financial powerhouse. Today, its vibrant community encompasses members from various government ministries, private sector institutions, and qualified individuals. Backed by over 50 years of excellence, member-focused innovations, and visionary leadership, Ardhi Sacco continues to position itself as a premier partner for sustainable economic growth.
