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Sacco loans default rate falls to 5.9pc on improved payment
Sasra data shows DT-saccos had the best NPL ratio at 5.41 percent in December last year, compared with 7.17 percent in September of the same year and 6.15 percent in December 2024.
The share of bad loans among saccos supervised by the Sacco Societies Regulatory Authority (Sasra) has dropped to near the recommended maximum threshold of five percent, pointing to improved repayment among customers.
Latest data showed that the ratio of non-performing loans (NPL) among deposit-taking (DT) saccos and non-withdrawable DT saccos improved to an average of 5.88 percent in December 2025, marking the first time in over two years for the rate to fall below six percent.
