Stima Sacco lines up Kes100million for green business loans

Stima DT Savings and Credit Cooperative Organization (SACCO) is aggressively expanding its green financing portfolio to fund environmentally sustainable projects, with the institution readying Kes100 million in business loans for members’ initiatives that are designed to produce environmental benefits, such as reducing greenhouse gas emissions, increasing energy efficiency, or restoring natural ecosystems.

Some of the businesses targeted for this loan product include renewable energy, climate-smart agriculture, water conservation, and electric vehicle (EV) ventures.

The Sacco says it’s a six-month pilot project being undertaken in partnership with the World Council of Credit Unions (WOCCU), an organization that supports SME lending in environmental conservation.

Speaking on the sidelines of the firm’s investors’ briefing, Dr. Gamaliel Hassan, the Chief Executive Officer of Stima SACCO said that the company has already established relevant approvals from the regulator, Sacco Societies Regulatory Authority (SASRA) for the savings product, but was awaiting the nod to move ahead with the loan product which also requires Sasra’s goodwill.

“We are very confident that this is actually the year we get to do this…remember, we are dealing with retailers who are in various sectors such as agriculture and energy, among others, and we are also targeting individuals in the diaspora with this product,” said Dr. Hassan.

Stima’s financial performance

Meanwhile, Stima DT Sacco today, announced strong financial results for the period ended December 2025, highlighting significant revenue growth and ambitious targets for the future as part of its new strategic plan.

The Sacco generated a profit after tax of KSh 2.22Billion, up from KSh 2.16Billion a year earlier, supported by higher loan income, strong investment returns, and continued growth in member deposits, which grew to KSh 52.19 billion last year, up from KSh 46.69 billion in 2024, a 11.8 percent jump. Loans to members reached KSh 52.5 billion during the same period under review.

The firm’s total assets grew by 13.3 percent to Ksh 75.38 billion in 2025, up from KSh 66.51Billion a year before, with an ambitious target of growing its asset base to Ksh 84.8 billion by year-end and Ksh 95.9billion by 2027.

According to its audited financial performance, the Sacco’s membership stood at 241,324 as of December last year, crossing the 200,000 – mark with Stima seen to be consolidating its position as one of the most influential financial cooperatives in Kenya’s rapidly expanding Sacco sector.

For the financial year ending December 31, 2025, Stima Sacco, which is ranked second in the country only after Mwalimu Sacco in terms of membership and asset base, approved a payout of 16% on dividends for share capital, amounting to Ksh 788,713,665, along with 11% in interest rebates on deposits, amounting to Ksh 4,321,665,655, hitting a total payout of Ksh 4.6 billion and a total dividend payout on shares of Ksh 788.7 million.

Mwalimu DT Sacco, on the other hand, reported its asset base hit KSh 76.3 billion for the same period under analysis, driven by a 76.3% profit surge to KSh 1.27 billion. Loans expanded by 19.3% to 56.3 billion, maintaining a strong position as the top Sacco in Africa.

Expansion plans

Part of its expansion agenda, besides the green financing agenda and ESG integration, Stima says it is embarking on a diaspora expansion and youth membership drive, as well as digital and automation plans to shore up its impressive numbers.