1. Merry Christmas and a Happy New Year - 2026!
As we usher in the festive season and approach the close of the year, we extend our heartfelt gratitude to you, our valued members, for your continued trust and partnership. Christmas offers us a meaningful moment to reflect on the journey we have shared throughout the year—one marked by resilience, steady growth, and collective
achievement—while the New Year invites renewed hope, fresh opportunities, and new beginnings. This season gives us an opportunity to appreciate your loyalty, the confidence you place in Kingdom Sacco, and the role you play in shaping our success.
Together, we have continued to build a strong, member-focused institution anchored on shared values and mutual progress.
As we look ahead, we remain committed to enhancing our products, services, and engagement to better support your financial growth, stability, and aspirations in the year to come.
2. Highlights from the last quarter of 2025.
1. A customer-centric tailored impact is already in action!
As part of our commitment to delivering a unique and memorable member experience, we have rolled out targeted outreach and training programs designed to reflect our values and strengthen our professional presence in the marketplace.
a). Empowering Pastors & Church Leaders for Ministry Growth
b). Empowering Youth for Financial Freedom
These sessions offer valuable insights into our mission, captured in the phrases “Sacco ni yangu, Sacco ni yetu” and “Sacco ya Kanisa”—the Sacco that empowers individuals and transforms lives. Participants also hear inspiring stories from members whose lives have been positively impacted by Kingdom Sacco.
c). Empowering Entrepreneurs for Growth, Stability & Success
This tailored approach addresses the diverse needs of our membership, including churches, pastors, entrepreneurs, youth and more. We are thrilled with the progress and impact this initiative is already making and look forward to expanding it across all our branches!
b). Empowering Church Members
3. Marketing Initiatives
During the fourth quarter, the Sacco implemented a series of targeted marketing initiatives across all our branches, aimed at strengthening brand visibility, engaging existing members, and attracting new ones.
These efforts included outreach activities in churches, participation in youth conferences and marketplace activations, as well as strategic partnerships and presence at key events.
Through these engagements, we created meaningful interactions with potential members, provided financial education, and showcased our diverse range of products and services tailored to different member segments. The initiatives also enabled us to strengthen relationships within the communities we serve, improve brand awareness, and generate quality leads that will translate into sustained membership growth. The positive response received during this period reinforces our confidence in the effectiveness of these initiatives and strongly supports our growth and expansion strategy as we move into the new year.
4. 2025 Investors Forum
During the year, the Sacco successfully hosted an Investors’ Forum under the theme “Wealth with Wisdom – Navigating Taxation, Succession, and Growth”, bringing together members, partners, and key stakeholders to engage on investment opportunities and the Sacco’s long-term growth agenda.
The forum provided a valuable platform for sharing insights on financial planning, wealth creation, and available investment products, while also fostering open dialogue and trust. Through these discussions, members gained a deeper understanding of how to grow their savings and investments with the Sacco, while navigating critical aspects such as taxation and succession planning, reinforcing confidence in our stability, transparency, and commitment to delivering sustainable value.
Member Testimonial
Member Testimonial
5. End of Year Party
Staff and Board representatives recently met in Nairobi for our end-of-year celebration, with strong representation from the Mombasa, Nakuru, Naivasha, and Nairobi branches. It was a valuable opportunity to reflect on our 2025 journey, review key milestones achieved during the year, and reaffirm our collective commitment to serving Kingdom Sacco members even better in 2026.
The gathering also provided a platform for alignment between the Board and Management on the Sacco’s strategic direction, as well as an opportunity to strengthen teamwork and collaboration across branches. In addition, we took time to appreciate the dedication, professionalism, and hard work of all staff whose efforts continue to drive the Sacco’s success. Special recognition was accorded to our longest-serving team members in appreciation of their loyalty, consistency, and invaluable contribution to the growth and stability of Kingdom Sacco.
6. Exciting Loan Product Enhancements
We have enhanced significant improvements to some existing credit products to better serve our members, SMEs, and investors.
a). Improved Motor Vehicle Asset Financing
Upgrades have been made to the asset financing product targeting SMEs, professionals, and individual members. Key changes include:
- Tiered Financing: Financing percentages are now based on vehicle age, offering up to 95% financing for new cars, tiered down to 80% for vehicles 7–9 years old. Previously, this was fixed at 80% for all vehicles.
- Risk-Based Pricing: Interest rates will now be risk-based, ranging from 13% to 18%, rather than the previous fixed rate of 15%.
- Expanded Collateral: High-value vehicles between 10 and 15 years old in good condition can now be considered as loan collateral.
- New Feature: Vehicle tracking has been introduced to assist with recovery. The maximum loan remains KES 5M with a repayment period of up to 48 months.
b). Housing Development (Ujenzi Loan)
The current housing development loan has been repackaged as the “Ujenzi Loan,” specifically suited for real estate investors and developers focused on rental housing. Key features include:
- Extended Repayment: The repayment period has been increased to a maximum of 10 years, up from the previous 7 years.
- Loan Amounts: Loans start at a minimum of KES 5M, with a maximum cap set at 10% of Core Capital.
- Revised Pricing and Multipliers: Interest rates are now based on credit scores, ranging from 14% to 18%. Savings multipliers have been adjusted based on loan tenure, ranging from 5 times savings for 3-year loans up to 8 times savings for loans over 10 years.
- Requirement: A mandatory rental collection agreement is required for the loan tenure
8. New Product Launch: Expanding Your Financial Horizons
We are excited to introduce a suite of new products designed to support you at every stage of life whether you are growing a business, saving for a dream, or planning for retirement.
1. Dividends Advance Loan
Need cash before the Annual Delegates Meeting (ADM)? This facility allows you to access up to 60% of your projected dividends and BOSA interest up to 4 months in advance.
- Best for: Immediate liquidity without touching savings.
- Key Feature: No guarantors or collateral required; reliable repayment via ADM deductions.
2. Agri-Business (Kilimo) Loan
A specialized loan for our farming members, supporting crops, dairy, and poultry farming. It offers flexible repayment terms aligned with your harvest or production cycles (up to 36 months).
- Best for: Farmers and Agribusiness SMEs.
- Key Feature: Includes a grace period for crop maturity and mandatory crop/livestock insurance for peace of mind.
3. Boresha Rent Collection Advance
Landlords can now access a line of credit (up to KES 500K) for property repairs and improvements, secured by their rental income.
- Best for: Property owners needing quick capital for renovations.
- Key Feature: No title deed required—rent receivables collected via Sacco-approved agents act as the security.
4. Green Financing
Go green with affordable financing for solar systems, biogas, electric vehicles, and water solutions.
- Best for: Households and institutions looking to reduce utility bills.
- Key Feature: Financing includes warranties and after-sales support from vetted vendor partners.
5. Dada in Business
A powerhouse loan for women entrepreneurs and professionals, combining credit with empowerment. It offers loans from KES 500K to 5M with a risk-based interest rate.
- Best for: Women in trade and Chamas ready to scale up.
- Key Feature: Includes access to exclusive women’s empowerment forums and business training.
6. Kuza Dada Biashara Loan
A group-based micro-loan designed to uplift women in informal sectors (markets, artisans). It uses a “table banking” model where group deposits act as security.
- Best for: Women engaging in small-scale trade and self-help groups.
- Key Feature: Comes with mentorship and a graduated loan cycle (starting from KES 50K) to build credit history.
7. Retire Smart Plan
Secure your sunset years by converting your BOSA savings into a structured monthly income stream upon retirement (age 60+).
- Best for: Members seeking a steady “pension-like” income after active work.
- Key Feature: Options for a medical insurance rider and partial lump-sum withdrawals.
8. Golden Moments Savings
A goal-based savings account for life’s big celebrations—weddings, holidays, or anniversaries.
- Best for: Planning ahead for specific events without financial stress.
- Key Feature: Track goals via the Mobile App and earn rewards for hitting savings milestones.
9. Emergency Plus Account
A dedicated savings account that acts as your safety net. It offers competitive interest rates and links directly to a quick-access emergency loan.
- Best for: Building resilience against unexpected life events.
- Key Feature: Ensures your main BOSA savings remain intact while providing liquidity when you need it most.
