More than 104,000 SACCO members were affected in 2025 after employers failed to remit Ksh3.92 billion deducted from their salaries, a new report by the Sacco Societies Regulatory Authority (SASRA) shows.
The regulator said a total of 104,331 members were affected by the delays, with county governments and county assemblies accounting for the largest share of the unremitted funds.
Speaking during the unveiling of the 2025 SACCO Supervision Report on Monday, September 28, SASRA Chief Executive Officer David Sandagi said Ksh3.92 billion in SACCO deductions remained unpaid during the year.
“Ksh3.92 billion in SACCO deductions remained unremitted in 2025, affecting 104,331 members,” Sandagi said.
County governments and assemblies owed SACCOs Ksh1.884 billion in deductions that had been made from employees but were not remitted.
The amount affected 52,746 SACCO members employed by county governments and assemblies, making the category the biggest contributor to the outstanding deductions.
Public universities and tertiary institutions followed, with Ksh725.91 million in unremitted deductions affecting 6,928 members.
State corporations had Ksh480.55 million outstanding, affecting 7,668 members, while national government ministries owed Ksh157.99 million, affecting 9,389 members.
Private-sector companies, meanwhile, had Ksh345.27 million in unremitted deductions affecting 4,836 SACCO members.
Constitutional organisations also had Ksh204.74 million in outstanding deductions affecting 9,389 members.
The amount owed to SACCOs increased from Ksh3.49 billion in 2024 to Ksh3.9188 billion in 2025, representing an increase of about Ksh430 million.
Despite the rise in unremitted deductions, SASRA said the regulated SACCO sector continued to grow during the year.
The sector’s total assets increased to Ksh1.21 trillion, while deposits stood at Ksh832.7 billion. SACCO loans also grew to Ksh948.7 billion.
SACCOs continued to provide financing for various needs, with Ksh157.2 billion issued for land and housing, Ksh125.5 billion for education and Ksh108.8 billion for agriculture.
Sandagi said the lending showed the role SACCOs continued to play in supporting households and productive activities across the country.
The report also highlighted the growing use of technology in the sector.
A total of 267 SACCOs were offering digital credit products, while 250 had adopted mobile money platforms. Another 178 SACCOs were using mobile and internet applications to provide services to members.