SACCO profile
Maisha Bora Sacco
Deposit-taking SACCO in Nairobi county with source-reported FY 2025 financials.
Maisha Bora SACCO is a Nairobi-based SACCO with reported 2025 assets of KES 6.81B, member deposits of KES 4.56B, a loan book of KES 4.62B, and proposed 2025 member returns of 20% on share capital and 11% on deposits.
Assets
KES 6.8B
+9.37% vs 2024
Member deposits
KES 4.6B
+8.39% vs 2024
Loan book
KES 4.6B
+12.75% vs 2024
Members
15,659
+14.82% vs 2024
Reported returns
20% / 11%
Dividend / deposit interest
Balance sheet trend
Source-reported KES billions.
Member growth
Members reported in annual metrics.
Member return history
Reported rates, not a projection.
Risk and liquidity trend
NPL appears where source-reported.
Financial health
The SACCO shows strong multi-year growth and capital adequacy above statutory thresholds, while watch items include rising dormancy, lower deposit and loan per member, a loan book slightly above deposits, and a 2025 NPL ratio that rose to 4.7%.
Core capital / assets
Reported statutory minimum: 10%
19.95%
Source benchmark shown for context: 10%
Core capital / deposits
Reported statutory minimum: 8%
29.78%
Source benchmark shown for context: 8%
Institutional capital / assets
Reported statutory minimum: 8%
11.06%
Source benchmark shown for context: 8%
Liquidity ratio
Reported statutory minimum: 15%
37%
Source benchmark shown for context: 15%
Net loan-to-deposit
Computed from 2025 statements
101.25%
Member returns
Reported 2025 return rates and share-capital policy notes from the extracted source context.
Dividend on share capital
20%
Source-reported proposed 2025 rate
Interest on deposits
11%
Source-reported proposed 2025 rate
Proposed dividend amount
KES 113,847,729
From 2025 extraction context
Share-capital policy notes
75% cash payout and 25% bonus issue over declared dividends, with offset of outstanding member contributions where applicable.
Minimum share capital proposal: From KES 35,000 to KES 50,000
Maximum share capital proposal: From KES 1,000,000 to KES 10,000,000
Reinvested dividend bonus mentioned: 8%
Return rate illustration
Uses source-reported 2025 rates only. Verify actual eligibility, deductions, approvals, and payout rules with the SACCO.
Dividend at 20%
KES 20,000
Deposit interest at 11%
KES 27,500
Illustrative total
KES 47,500
Credit quality
Source-reported 2025 loan book and NPL context. This is public information, not a recommendation.
Gross loans
KES 4.7B
12,796 loans
Net loans
KES 4.6B
After ECL allowance
NPL ratio
4.7%
Prior year 4.0%
Industry average cited
8.39%
From extraction context
2025 loan classification
| Classification | Loans | Gross balance | SASRA provision |
|---|---|---|---|
| Normal 0 days | 11,526 | KES 4,485,536,413 | KES 44,855,364 |
| Watch 1-30 days | 142 | KES 36,143,284 | KES 1,807,164 |
| Substandard 31-180 days | 115 | KES 21,066,087 | KES 5,266,521 |
| Doubtful 181-360 days | 145 | KES 33,608,703 | KES 16,804,351 |
| Loss >360 days | 868 | KES 170,411,792 | KES 170,411,792 |
Governance and trust context
Official profile details and 2025 governance names from the extracted source context.
Official profile
- Official name
- Maisha Bora Savings & Credit Co-operative Society Limited
- Registration
- Incorporated in Kenya under the Co-operative Societies Act and licensed under the Sacco Societies Act.
- Registered office
- L.R No. 209/20026, Commercial Street, Nairobi
- Auditor
- FEKAN Howell LLP
- Website
- https://maishaborasacco.com
Board and committees
| Board chair | Michael Muhanda |
| Vice chair | Janet Gathere |
| Honorary secretary | Simon Arunga |
| Treasurer | George Wafula |
| Director | Vitalis Oduor |
| Director | Joseph Kiando |
| Director | Felix Maingi |
| Director | Maryanne Disii |
| Director | Peter Sigadah |
| Audit and Risk Committee chair | Peter Sigadah |
| Supervisory Committee chair | Geoffrey Ng'eno |
Management
| CEO | CPA Angela Mokua |
| Finance Manager | CPA Purity Ntoiti |
| ICT Manager | Victor Oyengo |
| Credit Manager | Stanley Kahure |
| Business Development and CX Manager | Eliud Mugambi |
| Internal Auditor | Stephen Njoroge |
| HR Manager | Mary Muthoni |
Watch items
2025 net loans exceeded member deposits, so funding and liquidity should be monitored.
Dormant members increased in 2025 based on the extracted active/dormant split.
The 2025 NPL ratio rose from 4.0% to 4.7%, while remaining below the cited industry average.
Surplus before tax declined versus 2024 despite asset, deposit, and loan growth.
Historical values may be restated across annual reports; prefer source-reported values and verify with the SACCO.
Source summary
Published landing profile last updated 7 Jun 2026. Values are from the extracted Markdown context and annual-report references.
Historical Normalized Metrics Table - 2018 to 2025
saccoshares-maisha-bora-codex-context.md - 2026 - confidence medium-high
Compiled from extracted Maisha Bora annual reports for 2018 through 2025.
2025 Statement of Profit or Loss - Detailed Extraction
saccoshares-maisha-bora-codex-context.md - 2025 - confidence high
Use as source context for the 2025 profit and loss values.
2025 Statement of Financial Position - Detailed Extraction
saccoshares-maisha-bora-codex-context.md - 2025 - confidence high
Use as source context for the 2025 financial position values.
2025 Credit Quality / Loan Book Extraction
saccoshares-maisha-bora-codex-context.md - 2025 - confidence medium-high
Credit quality values are source-reported extraction context.
Marketplace activity
Sell your sharesLive listings
0
Shares listed
0
Asking value
KES 0
Median ask
Not enough data