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Reference7 minresearch / financial-inclusion file
SASRA, IRA, and the perimeter beyond commercial banks
- Facts
A perimeter guide: deposit-taking saccos under SASRA, insurers under IRA, and why a bank-only reading of Kenya’s financial system misses binding decisions.
- A large share of household deposits and credit in Kenya sits outside commercial-bank licences.
- SASRA is the primary for deposit-taking sacco supervision. IRA is the primary for insurance conduct and solvency publications.
- Citing CBK for a sacco circular, or CMA for an insurance enforcement, is a category error.