A National Giant in the Making: Sacco Records Stellar Growth, Assets Top Ksh18.4 Billion as Loan Portfolio Surges to Ksh16.9 Billion
Gusii Mwalimu DT Sacco continues to improve its members’ livelihoods by actively supporting their development goals. The Sacco’s annual report for the financial year ending December 31, 2025, portrays an institution deeply rooted in empowering its members socio-economically.
Financial statements for the year under review indicate that the Sacco’s loan portfolio grew impressively by about 21%, rising to Ksh16.98 billion up from Ksh14.03 billion in 2024.
“We continued offering diversified financial products to meet our members’ various financial needs. We are committed to giving out loans to change lives; our aim is to ensure members achieve all their development goals while accessing affordable credit,” said Mr. Timothy Machana, the Sacco Board of Directors Vice Chairman.
Across all the regions where it operates, Gusii Mwalimu DT Sacco has been a game-changer in helping people transform their lives.
In 2025, the Sacco sustained stable growth across all parameters, firmly positioning itself as a national player in the cooperative sector and the broader economy.
“2025 was a year of increased activity within the operations of the Sacco. We endeavored to serve our members efficiently and conveniently across the country,” Mr. Machana noted.
Spreading its wings further to reach more people, the Sacco opened three new satellite offices in Migori, Homa Bay, and Narok towns.
“This helped us tap into new areas for membership recruitment. We are taking tailored financial services closer to our members,” he added.
In addition to expanding its physical footprint, the Sacco has enhanced service delivery at its banking halls and leveraged technology to provide fast, secure, and convenient services anytime, anywhere. According to the Supervisory Committee, the Sacco invested heavily in cybersecurity, firewalls, and digital platforms to improve efficiency and secure members’ data. Currently, members can conveniently access various services by dialing the USSD code *879#.
Mr. Machana urged members to maximize their benefits by utilizing the Sacco’s diverse product offerings. “We urge members to use our digital platforms for instant, secure access to their funds and loans.”
As a result of these strategic moves, Gusii Mwalimu DT Sacco has continued to register exemplary growth. Total assets rose by 13.3% to Ksh18.4 billion in 2025, up from Ksh16.2 billion in 2024. Member deposits grew by 12.1%, rising from Ksh11.19 billion to Ksh12.54 billion last year. Furthermore, total revenue surged by 14% to hit Ksh2.98 billion in 2025. The Sacco maintained all regulatory ratios required by the Sacco Societies Regulatory Authority (SASRA) and met its tax obligations to the Kenya Revenue Authority (KRA). The Sacco Board announced payment of dividends on shares at a rate of 16% and interest on deposits at 11%
16%
Dividends Rate
To strengthen its liquidity and core capital, the Sacco leadership also increased the minimum share capital requirement to Ksh35,000.
Guided by its strategic plan, the Sacco is now targeting a milestone of Ksh30 billion in total assets by next year.
An intensified membership recruitment drive saw the Sacco grow its member base by 11% to over 34,839. Alongside this growth, the Sacco enhanced members’ welfare and retirement benefits, including a proposal to the insurer to increase the benevolent fund payout to Ksh50,000.
With this stellar growth, Gusii Mwalimu DT Sacco continues to tower within the cooperative movement. SASRA’s latest data ranks it as the 11th largest Deposit-Taking Sacco countrywide. “This is a testament to sound governance, prudent management, and member confidence,” said Mr. Machana.
Mr. Machana also revealed that the Sacco’s Chairman, Mr. David Ogega, retired in January, though he continues to be a committed member of the institution.
“We continued offering diversified financial products to meet our members’ various financial needs. We are committed to giving out loans to change lives; our aim is to ensure members achieve all their development goals while accessing affordable credit.”
~Mr. Timothy Machana, Vice Chairman.
Commissioner for Cooperative Development, Mr. David Obonyo, who served as the chief guest during this year’s Annual Delegates Meeting, hailed Gusii Mwalimu Sacco as a leading regional financial cooperative with immense potential to become a national giant.
“You are a large Sacco. There is much potential for Gusii Mwalimu DT Sacco; your continued innovation in service delivery and good governance will ensure you remain among the best and most stable Saccos,” Mr. Obonyo said.
He urged members not to fixate solely on annual returns but to focus more on acquiring affordable loans that will improve their livelihoods and ensure the Sacco sustains its growth trajectory.
“Paying high dividends is not bad, but Saccos should set aside an adequate amount to build their reserves. Affordable credit facilities are much better than high returns at the expense of cheap loans,” he advised.
The Sacco Chief Executive Officer, CPA Jared Moenga, assured members that management prioritizes people over profit, noting that the institution had reviewed and restructured its offerings to better meet members’ financial needs. He encouraged members to increase their savings to ensure they continue receiving affordable loans while earning strong annual returns.
“We have a dedicated team of staff keen on ensuring the Sacco continues to offer diversified financial products and services at competitive rates, guaranteeing long-term financial strength and stability,” CPA Moenga stated.
“We have a dedicated team of staff keen on ensuring the Sacco continues to offer diversified financial products and services at competitive rates, guaranteeing long-term financial strength and stability,”
~CPA Jared Moenga, CEO.
