SACCOs & Microfinance

Sector overview

SACCOs and microfinance institutions serve the customers banks often miss — and face many of the same expectations with a fraction of the resources. We build proportionate, practical compliance programmes that fit the institution.

Key regulators

5 tracked

SACCO Societies Regulatory Authority (Kenya)

Uganda Microfinance Regulatory Authority

Bank of Tanzania

National Bank of Rwanda

National Bank of Ethiopia

What we cover

Focus areas for SACCOs & Microfinance.

01

Prudential returns

Liquidity, capital and portfolio-quality reporting templates that are right first time.

02

Portfolio quality

Arrears management, provisioning and loan-officer performance analytics.

Reviewing a document under a magnifying glass

03

AML for community finance

Simplified-CDD frameworks and suspicious-activity reporting that work in the field.

04

Governance & elections

Board and supervisory-committee governance, elections and member engagement.

Regulatory radar

Recent developments across the region.

Market Intelligence

Oct 2025

Kenya · National Treasury / CMA / CBK medium impact enacted

Virtual Asset Service Providers Act, 2025

Introduces a licensing and supervisory regime for virtual asset service providers, including AML/CFT obligations such as the travel rule. Banks and payment providers dealing with VASPs need updated risk assessments.

Aug 2025

Kenya · Central Bank of Kenya high impact effective

Risk-based credit pricing anchored on the KESONIA benchmark

The revised risk-based credit pricing model requires variable-rate loans to be priced off the Kenya Shilling Overnight Interest Average (KESONIA) plus a disclosed premium, with transition timelines for existing facilities and new disclosure obligations.

Jan 2025

Ethiopia · Ethiopian Capital Market Authority medium impact effective

Ethiopian Securities Exchange begins trading

The launch of the Ethiopian Securities Exchange, under a new capital-markets regulator, opens listing, disclosure and market-conduct obligations for issuers and intermediaries.

Dec 2024

Kenya · Central Bank of Kenya high impact enacted

Minimum core capital for banks rising to KSh 10 billion by 2029

Amendments to the Banking Act raise the minimum core capital for commercial banks in phases from KSh 1 billion to KSh 10 billion by 2029. Smaller banks face capital raises, mergers or new strategic investors, and boards need a credible, phased capital plan.

Practices that support you