How Much Stima Sacco Members Earned in 2025
Stima Sacco made KES 10.8 billion in revenue in 2025 and recommended more than KES 5.1 billion in dividends and interest rebates for members.
Members received an 11% interest rebate on qualifying deposits and a 16% dividend on qualifying shares. The total payout was about KES 4.32 billion in interest rebates and KES 788.7 million in dividends.
How much an individual member received depended on how much they had in qualifying deposits and shares, and how long they held those balances during the year.
How much revenue did Stima Sacco make in 2025?
Stima Sacco recorded KES 10.8 billion in total revenue in 2025, up from about KES 10.3 billion in 2024. This was growth of about 4.9%.
The largest source of income was interest from loans given to members.
In 2025, Stima Sacco earned about KES 8.46 billion from loan interest, KES 1.96 billion from investments and another KES 389 million from other income. Together, these brought total revenue to about KES 10.81 billion.
The Sacco also continued to grow.
By the end of 2025, it had 241,324 members, up from 220,650 a year earlier. Members' deposits stood at KES 52.2 billion, while loans and advances reached about KES 52.5 billion. Total assets grew to KES 75.3 billion.
These figures help explain where the money used to reward members comes from. Stima Sacco earns income mainly by lending money and investing part of its funds. After meeting its expenses and other financial requirements, part of the value created can be returned to members.
What was Stima Sacco's dividend rate in 2025?
Stima Sacco maintained a 16% dividend rate on qualifying shares for 2025.
The Board recommended a first and final dividend of 16% on fully paid-up shares as at 31 December 2025.
The amount set aside for dividends was about KES 788.7 million.
A dividend is paid on share capital. It is not calculated using all the money a member has saved in the Sacco.
If, for example, you had qualifying shares worth KES 100,000, a simple 16% calculation would give:
KES 100,000 × 16% = KES 16,000
Your actual payment can still depend on the Sacco's qualifying balance and calculation rules.
What was Stima Sacco's interest rebate in 2025?
Stima Sacco also maintained an 11% interest rebate on member deposits in 2025. Sacco's annual report shows the dividend rate at 16% and the interest rebate at 11%.
About KES 4.32 billion was allocated to interest rebates.
For most members, this can be the bigger part of their annual return because deposits are often much higher than share capital.
For example, if a member had KES 500,000 in qualifying deposits for the full calculation period:
KES 500,000 × 11% = KES 55,000
The important word here is qualifying. The 11% rate does not necessarily apply to every type of savings account or simply to the balance showing on your account on 31 December.
How much could a Stima Sacco member earn?
Take a member called Jane.
Suppose Jane had KES 100,000 in qualifying shares and KES 500,000 in qualifying deposits throughout 2025.
Her dividend would be:
KES 100,000 × 16% = KES 16,000
Her interest rebate would be:
KES 500,000 × 11% = KES 55,000
Her total gross return would therefore be:
KES 16,000 + KES 55,000 = KES 71,000
This means a member with KES 600,000 split between shares and qualifying deposits in this way could receive about KES 71,000 before any applicable deductions.
This is only an example. The actual amount depends on the member's qualifying balances and how the Sacco calculates them.
Does Stima Sacco use your December balance to calculate dividends?
Not necessarily.
A member should not assume that the balance showing on 31 December is multiplied by 11% or 16% for the whole year.
The amount can depend on how long the money was held.
For example, assume Jane started the year with KES 300,000 in qualifying deposits and only increased the balance to KES 500,000 in October.
She should not automatically expect to earn 11% on KES 500,000 for the whole year.
Sacco's calculation would take into account the qualifying balance over the relevant period.
This is why two members who end the year with the same balance can still receive different amounts.
How much did Stima Sacco return to members in 2025?
The Board reported a combined payout of about KES 5.1 billion in dividends and interest rebates for 2025, compared with about KES 4.6 billion in 2024.
That is an increase of roughly KES 500 million in one year.
The 2025 rates themselves did not change. Stima Sacco also paid a 16% dividend and 11% interest rebate in 2024. The higher total payout mainly reflects the growth in member balances and the Sacco itself.
How can a Stima Sacco member estimate their 2025 earnings?
Start by checking your member statement.
Look for your qualifying share capital, your qualifying deposits, and how long you held those balances during 2025.
The headline rates are simple: 16% on qualifying shares and 11% on qualifying deposits.
But your actual payment depends on your own balances.
For a Stima Sacco member, that is the most useful way to read the 2025 results: the Sacco made KES 10.8 billion in revenue and set aside about KES 5.1 billion for member returns, but your personal return depends on how much of your money qualified for the two payments.