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We promote a savings and investment culture while providing affordable credit for the enhancement of the economic and social welfare of our members and other stakeholders
Empower House, Githurai 45, Thika Road
We successfully held our 27th Annual Delegates Meeting (ADM) on 14th March 2026, bringing together over 100 delegates, board members, management, and staff. The meeting provided an important platform for us to review our performance, set the strategic direction for the coming period, and reaffirm our mission of empowering our members both financially and spiritually.
This year’s ADM marked a significant step forward for us, highlighting our transition toward holistic member empowerment, strengthened governance, and a renewed focus on sustainable growth.
The Patron emphasized the Sacco’s strong spiritual foundation, noting that Kingdom Sacco’s mission is aligned with God’s purpose of transforming lives through stewardship and empowerment. A key highlight was the strategic shift from a traditional loan-interest model to holistic empowerment programs, with increased focus on:
To enhance regional outreach, Associate Patrons were introduced to support operations across different regions.
The Patron concluded by calling for unity, faith, and commitment as the Sacco enters a new phase of growth.
The CEO presented an impressive 2025 performance review, highlighting:
The Sacco is on track to achieve a KSh 3 billion asset base by 2026.
a) Member Engagement Forums We successfully hosted interactive forums for Delegates, House Leaders, Youth Entrepreneurs, and High Investors, equipping members with practical financial literacy tools with great impact on their lives and livelihoods.
b) Launch of Brand Ambassadors In May 2025, we launched the Kingdom Sacco Brand Ambassadors program — a strategic initiative accelerating membership growth through member-led outreach into churches, professional networks, businesses, and community groups. We believe satisfied members are the strongest drivers of sustainable growth.
c) Digital Transformation Key milestones include sponsored data access for the Kingdom Sacco Mobile App in partnership with Safaricom, enhanced Mobile App security controls, expanded deposit channels via KCB, and cardless withdrawals through Co-operative Bank ATMs — all aimed at delivering secure, accessible, and member-focused financial services.
d) The Solar Project We implemented a solar power system at our Head Office, ensuring uninterrupted service delivery while significantly reducing electricity costs — a key milestone in our sustainability journey and commitment to ESG principles.
e) KMRC Partnership We secured a partnership with KMRC to offer single-digit financing for housing loans, enabling more members to access sustainable and affordable home ownership opportunities.
f) CSR Initiatives Our CSR efforts included feeding programs for vulnerable street families, support to the Bible Society of Kenya, assistance to families affected by the Mwihoko tragedy, and youth empowerment through local sports.
g) Product Innovation We plan to introduce needs-based products including the Ujenzi Loan, Rent Collection Advance, Green Energy Financing, Retire Smart, Kilimo Loans, Women Empowerment Financing Solutions, and Golden Moments Goal-Based Savings — responsibly expanding our offerings to meet evolving member needs.
The Board reported continued progress in strengthening leadership and governance at Kingdom Sacco. During the year, Mr. Joel Saitoti was successfully appointed Chief Executive Officer through a transparent and competitive process conducted in full compliance with regulatory requirements. The Board expressed full confidence in his ability to steer the Society into its next phase of growth.
The Chairman reaffirmed the Board’s unwavering commitment to strong corporate governance, sound internal controls, and regulatory compliance, with succession planning continuing to be strengthened through the Nominating Committee.
In accordance with Cooperative Societies Rules, Mr. Francis Kamundia, Mr. Fidelis Musyoka, and Ms. Mercy Kimani retired by rotation from the Board of Directors, and Ms. Matilda Kubende from the Supervisory Committee. The chairman sincerely thanked them for their dedicated service and stewardship.
The Chairman outlined the Society’s key priorities going forward:
The incoming Board will also lead the development of the 2027–2031 Strategic Plan.
The Chairman closed by rallying members around the 2026 theme:
“Resilience, Growth, and Member Value.”
The Treasurer presented a detailed financial overview, noting strong growth despite macroeconomic challenges such as rising oil prices and global uncertainties.
Key Financial Highlights (2025)
2026 Budget Outlook
The Treasurer emphasized a conservative budgeting approach, ensuring:
Delegates approved the 2026 budget, with clarifications provided on capital expenditures such as solar installations and office upgrades.
The Supervisory Committee reaffirmed its commitment to oversight through its four key mandates:
Their Key Observations
The Committee also emphasized improving member understanding of financial reports and key terms to enhance transparency and accountability.
The meeting closed with prayers for wisdom, growth, and impact, as Kingdom Sacco positions itself for a future of financial strength, innovation, and community transformation.
