At the end of 2025, KES 3.92bn that employers had taken from workers' pay for their SACCOs had not reached those SACCOs. The Sacco Societies Regulatory Authority (SASRA) counts 104,331 members affected, in its Sacco Supervision Annual Report 2025, launched on 28 September 2026.
For a member, that means the money left the payslip but may not be in the SACCO account. The amount rose from KES 3.49bn in 2024, and the number of members affected nearly doubled from 55,602.
Who owed it
(Facts) SASRA groups the money by type of employer. It does not name individual employers.
| Employer category | Members affected | Owed, KES m | Share of total |
|---|---|---|---|
| County governments and assemblies | 52,746 | 1,884.44 | 48.09% |
| Public universities and tertiary colleges | 6,928 | 725.91 | 18.52% |
| State corporations | 7,668 | 480.55 | 12.26% |
| Private sector companies | 4,836 | 345.27 | 8.81% |
| Constitutional organs (bodies) | 9,389 | 204.74 | 5.22% |
| National government ministries | 19,667 | 157.99 | 4.03% |
| Cooperative entities | 312 | 46.99 | 1.20% |
| Other entities | 808 | 25.41 | |
| Public sector companies, including water companies | 1,297 | 20.90 | |
| Private sector schools' employees | 286 | 10.25 | |
| Public schools' employees (Boards of Management) | 168 | 8.77 | |
| Churches and church-based institutions | 226 | 7.57 | |
| Total | 104,331 | 3,918.80 |
Source: SASRA, Sacco Supervision Annual Report 2025, Table 48 (position at 31 December 2025). Shares as given by SASRA where it gives them.
(Facts) Loan repayments made up KES 3.04bn, or 77.55%, of the unremitted money. Savings deductions (BOSA, the members' deposit accounts) made up KES 0.88bn. Constitutional organs owed KES 204.74m, against KES 6.76m in 2024. The number of SACCOs owed money rose to 89 from 85.
What it does to a member
(Facts) SASRA says unremitted savings deductions reduce a member's borrowing capacity, because the loan a member qualifies for is pegged on those savings. Unremitted loan repayments, it says, put the member in conflict with the SACCO over recovery of the loan, and leave such loans in default or impaired.
(Analysis) Spread evenly, the KES 3.92bn comes to about KES 37,561 for each affected member. Because more than three-quarters is loan repayments, the most likely place a member would see a gap is a loan balance that has not fallen as the payslip suggests.
What a member can check
(Facts) SASRA tells SACCOs to keep records for each claim: the member's instruction to the employer, the amount expected, and how long the deductions have been outstanding. It says SACCOs without such records have lost court claims for unremitted money. SASRA also takes members' complaints; it logged seven on "non-remittance/statement" in 2025.
(Analysis) The same records help a member. Set each month's SACCO deduction on the payslip beside the SACCO statement for that month, for savings and for each loan. Keep the payslips and the check-off instruction. Our verdict on SACCO savings sets out what protection SACCO deposits have.
What to watch
- SASRA's next quarterly statistical report, and whether it updates the non-remittance figures.
- The Sacco Societies (Amendment) Bill, 2025, which SASRA's report lists among legal developments.
Information, not advice.