Gladys

In today’s Kenya, mobile loans are available in seconds, but their convenience hides a dangerous trap. High interest rates, short repayment periods, and impulsive borrowing often leave borrowers worse off. But what if the solution isn’t borrowing more, but saving smarter? That’s where SACCOs come in, not just as financial institutions, but as long-term partners […]

Across Africa and many developing regions, millions remain unbanked, not by choice, but by circumstance. Lack of access to traditional banking services continues to lock out low-income individuals, rural communities, and informal sector workers from financial growth. SACCOs and MFIs are uniquely positioned to change that. And now, with digital innovation, they have the tools

In the rapidly evolving financial services landscape, SACCOs and Microfinance Institutions (MFIs) face increasing pressure to deliver value, scale operations, and maintain financial sustainability. While digital tools are widely discussed, one underleveraged advantage is data analytics. For SACCOs and MFIs that want to move from reactive management to proactive growth, connecting the power of data

In the fast-paced world of finance, it’s easy to get caught up in metrics, loan books, interest rates, portfolio performance. But for SACCOs (Savings and Credit Cooperative Organizations) and MFIs (Microfinance Institutions), the true foundation of long-term success isn’t just in numbers. It lies in something less visible but far more powerful: Trust. SACCOs and

In many SACCOs and microfinance institutions (MFIs), manual operations are still a common practice. Whether it’s paper-based loan processing, handwritten ledger entries, or Excel spreadsheets for member tracking, these systems often seem cost-effective, especially for smaller institutions. But beneath the surface, manual operations can quietly drain your SACCO’s resources, limit its potential, and introduce risks

Savings and Credit Cooperative Organizations (SACCOs) have long been pillars of financial inclusion, especially in underserved communities. Traditionally, they operated through manual systems, face-to-face interactions, and paperwork-heavy processes. However, the digital revolution has ushered in a new era, one where member self-service portals are transforming how SACCOs operate and serve their members. What Are Member

As SACCOs across Kenya and beyond look to scale, meet compliance requirements, and deliver better services to members, automation has become more than a buzzword, it’s now a necessity. But how do you know if your SACCO is ready to make the leap? Here’s how to assess whether your SACCO is prepared for automation, and

Saving and investing while living abroad can be challenging for many Kenyans in the diaspora. With limited access to local financial institutions, concerns over trust, and a lack of financial knowledge, many often miss out on lucrative investment and saving opportunities back home. That’s where SACCOs (Savings and Credit Cooperative Organizations) come in offering secure,

Savings and Credit Cooperative Organizations (SACCOs) have long been a trusted way for individuals to pool resources, access affordable loans, and promote community-based financial growth. Especially in regions with limited access to formal banking, SACCOs fill a crucial gap. However, like any financial institution, SACCOs are not immune to failure. Understanding how and why a

Agribusiness is the cornerstone of rural livelihoods in Kenya, sustaining over 70% of the population in these regions. Yet, despite its central role, many smallholder farmers and Agricultural entrepreneurs face significant barriers to accessing affordable credit. Conventional financial institutions often shy away from lending to rural farmers due to their lack of formal collateral and