Why Loan Management Is the Hardest Problem in SACCO Operations
53% of Kenyan SACCOs exceeded SASRA's 5% NPL threshold in 2024. Bad debt exceeded Ksh 70 billion. The root causes are not simply credit risk — they are operational and systemic.
M-Pesa and SACCOs: What Good Integration Actually Looks Like
Kenya has 73 million registered mobile money accounts. Most SACCOs have some form of M-Pesa integration — but there is a significant gap between basic paybill collection and genuine payment infrastructure.
The Real Cost of Software That Doesn't Fit Your SACCO
Generic SACCO software looks affordable on the surface. But when you account for workarounds, manual reconciliation, staff time, and audit risk, the true cost is much higher than the licence fee.