A recent survey by the Central Bank of Kenya (CBK) reveals a decline in farm credit uptake, with only 31 percent of farmers borrowing for operations in September 2025, down from 41 percent in July.

• Savings and Credit Cooperative Societies (SACCOs) have become the primary credit source for farmers, with 44 percent borrowing from them, a significant increase from 19 percent in July.
• The CBK noted that despite a reduction in the base lending rate to stimulate private sector borrowing, overall farmer borrowing remains subdued.
• Most loans, approximately 94 percent, were utilized for purchasing agricultural inputs such as fertilizer, seeds, and pesticides, while 53 percent covered farm labor costs.