The market share of loans disbursed by Kenyan Saccos for land and housing is declining, despite remaining the largest proportion of credit advances. While the total amount lent for these purposes increased to KSh 137.1 billion in 2024, its percentage of overall Sacco loans decreased significantly.

• Loans for land and housing comprised 25.26 percent of total Sacco credit in 2024, down from 33.24 percent in 2022.
• The Sacco Societies Regulatory Authority (Sasra) 2024 industry report highlights a shift as agriculture loans notably increased to KSh 108.8 billion in 2024, and education loans reached KSh 119.49 billion.
• Of the KSh 137.1 billion for land and housing, KSh 67.33 billion was for housing and KSh 69.79 billion for land, with Deposit-Taking Saccos (DT-Saccos) extending the majority.