SACCOs Role in Financing Land and Housing in Kenya

This study underscores the critical role SACCOs continue to play in enabling homeownership for millions of Kenyans. Insights show that most SACCO members rely on development loans to purchase land and begin construction, often without full awareness of refinancing opportunities available through KMRC. Additionally, many of these loans fall between KSh 100,000 and KSh 1.5 million, which limits the scale and quality of housing that members can put up, especially for larger families.