What a SACCO Liquidity Ratio Means for Members
Learn what the 61.34% aggregate DT-SACCO liquidity ratio means and why cash availability affects loans, withdrawals and refunds.
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Latest SACCO news
SaccoShares updates, market explainers, and practical guides for Kenyan SACCO members.
What Is a Healthy SACCO NPL Ratio?
Understand the 2024 regulated SACCO NPL ratio, why lower is generally better and how overdue loans affect dividends and liquidity.
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What Is a Non-Performing Loan Ratio?
Understand how SACCO loan arrears are classified, how the NPL ratio is calculated and why a high ratio weakens earnings and liquidity.
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How to Spot Undervalued SACCO Shares
Assess whether a SACCO share listing is genuinely undervalued by checking price, par value, returns, capital strength and seller urgency.
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How to Value Your SACCO Shares Before Selling
Use par value, dividend history, demand, transfer rules and urgency to set a realistic price for SACCO shares in Kenya.
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5 Things to Check Before Buying SACCO Shares
Use this five-point due diligence checklist before buying SACCO shares from another member in Kenya.
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How to Sell SACCO Shares in Kenya: Step by Step
Follow the practical steps for selling SACCO shares in Kenya, from eligibility checks and pricing to verification and transfer approval.
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Why You Cannot Simply Withdraw SACCO Share Capital
Understand why SACCO share capital is normally non-withdrawable, how it differs from deposits and what options a member has when leaving.
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SACCO Guarantorship Explained
Learn what you accept when you guarantee a SACCO loan, how it affects your borrowing capacity and what happens after borrower default.
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What Is a SACCO Loan Multiplier?
See how a 3x SACCO loan multiplier works, why deposits and guarantors matter and why the multiplier is not an automatic loan approval.
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What Does SASRA Actually Do?
See how SASRA licenses and supervises regulated SACCOs in Kenya, what prudential rules cover and what regulation does not guarantee.
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DT-SACCO vs NWDT-SACCO: What the Licence Allows
Learn the difference between deposit-taking and non-withdrawable deposit-taking SACCOs using Kenya’s 2024 licensing figures.
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