Nairobi, March 3 -- 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.

The NPL ratio in December 2025 was an improvement from 7.79 percent in September of the same year and 6.79 percent in December 2024, sustaining an improved trend in loan repayments in the race to comply with the recommended maximum default ra...