As it ushers in a new financialyear, Wakenya PamojaSacco Society Limited(WPS) is projecting sustainedgrowth after posting steady gainsacross key performance indicatorsin 2025. With a membership baseexceeding 140,000, the deposittakingSacco continues to positionitself as a catalyst for economicempowerment and communitytransformation across the Gusiiregion and beyond.Financial statements presentedduring the Special DelegatesMeeting held on December 22, 2025at the Kisii Agricultural TrainingCentre revealed that the Sacco’sloan portfolio expanded to Ksh983million. The leadership attributedthis performance to prudentfinancial management, productdiversification and increasedadoption of digital services.
Chairman Francis Ayiekoexpressed confidence that 2026will see even stronger results,driven by innovation and strategictechnology deployment.“Our members can now accessmost of our services remotely.This has significantly reducedtravel costs and waiting timewhile improving efficiency,” hesaid, noting that members haveundergone training to fully utilizethe Sacco’s digital platforms.Member deposits and savingsrose by 5.8 per cent in 2025following the rollout of newfinancial products tailored toevolving member needs. Sharecapital also registered a 4.9 percent increase, buoyed by consistentcontributions from salaries as wellas proceeds from tea and coffeebonuses.Finance Manager JaredOmurwa linked the upward trendin savings to intensified membermobilization and financial literacyinitiatives.
Gross loans grew by3.7 per cent compared to 2024,reflecting improved portfolioperformance and responsibleborrowing.A major highlight of the yearwas the expansion of onlineand mobile banking services.
Members can now apply for loans, repay balances and remit share contributions through digital channels—an innovation that has eased congestion at branch banking halls and broadened access to services. The Sacco has also reviewed its loan products to ensure competitive interest rates and f lexible repayment periods. Leadership has urged members to deepen their participation by increasing share capital and responsibly leveraging available credit facilities. In a bid to strengthen social support systems, WPS recently introduced a Member Welfare Fund, offering additional assistance to members facing personal emergencies. In a significant move toward sector-wide collaboration, WPS joined the newly established Agricomm Savings and Credit Alliance Limited (ACSA) alongside 45 other Saccos. The alliance seeks to address shared challenges facing agricultural and community-based co-operatives while fostering innovation and operational sustainability. The Sacco has simultaneously invested in upgrading its ICT infrastructure to enhance cybersecurity and support growing mobile banking transactions. Strategic partnerships have also enabled the institution to extend customized financial services to diaspora members.
Wakenya Pamoja Sacco operates under a license issued by the Sacco Societies Regulatory Authority (SASRA) in compliance with the Sacco Societies Act No. 14 of 2008 and related regulations. Over the years, the institution has undertaken governance reforms aimed at strengthening accountability and operational efficiency. Its 2022–2026 Strategic Plan, now in the final phase of implementation, focuses on six key pillars: membership growth and product development, service excellence, management of non performing governance, development, efficiency.
loans, human and corporate capital operational “Our vision is to become one of the leading financial institutions in the region. We will continue to align our strategies with our long term goals to ensure sustainable growth,” Mr. Ayieko affirmed. Chief Guest at the delegates’ meeting, Tom Nyakweba, who serves as Kisii County Director of Co-operatives, challenged members to strengthen unity, increase savings and repay loans promptly to maintain a healthy lending cycle. “Once loans are repaid, more members can borrow and grow their enterprises.
Delegates should membership and capital base,” he said, encouraging management to extend outreach beyond the Gusii region. WPS has steadily expanded its physical presence to complement its digital platforms. Its branch network includes outlets in Kisii Town, Nyamachae, Ogembo, Marani, Kebirigo, Magombo, Nyamache, Keroka, Oyugis, Tabaka, Keitanga, Suneka and Magwagwa— enhancing accessibility for members across multiple counties.
Founded in 1976 as the Kisii Farmers’ Co-operative Union, the Sacco later transitioned to Rural Sacco Society Limited in 1992 before rebranding to Wakenya Pamoja Sacco Society Limited. Over the decades, it has evolved into a f inancial multi-departmental institution with structured operations spanning Finance, Credit, Microfinance, ICT, Marketing, Internal Audit and Human Resources. As delegates gathered in Kisii to review performance and chart the way forward, the message wasclear: innovation, discipline andmember participation will remaincentral to the Sacco’s success
With a solid financial foundation,enhanced digital capabilitiesand strategic alliances in place,Wakenya Pamoja Sacco is poisedto deepen its impact—empoweringmembers and strengtheningcommunities as it enters anotheryear of growth.
