Ports DT Sacco has set its sights on an ambitious milestone, a revenue target of Kshs 1.9 billion in 2026, marking a 16.9% growth over its projected 2025 income of Kshs 1.6 billion. This growth outlook reflects the cooperative’s continued resilience, strategic planning, and strong financial stewardship even amid a dynamic economic environment.
According to the Sacco’s 2026 budget estimates, the projected revenue will yield a surplus of Kshs 312.6 million, representing a 1.42% increase after meeting an expenditure of Kshs 1.56 billion. The announcement was made during the 2025 Special Delegates Meeting (SDM) held on October 4 at the Ports Sacco Building, where the board presented the new financial roadmap.
“The board is confident that this budget is realistic, ambitious, and positions the Sacco for sustainable growth. It demonstrates our commitment to maximising returns to shareholders while ensuring prudent financial management,” said Mr. Gavas Mwole, Treasurer of the Board.
The Sacco’s integrated operations, FOSA and BOSA, continue to post a healthy growth trajectory of about 16%. These business arms are projected to contribute 43% and 57% respectively to the Sacco’s lending portfolio. The sustained demand for long-term loan products such as Jiendeleze and Jumbo, along with growing uptake of Biashara loans, underpins the Sacco’s optimism for 2026.
Performance and Economic Outlook
The Sacco’s operational performance for the first half of 2025 remained impressive, with Kshs 989.7 million in revenue recorded by August, up from Kshs 902.5 million during the same period in 2024. This consistent performance highlights the Sacco’s strategic resilience and determination to achieve long-term stability.
Board Chairman Mr. Ben Juma Chepkechir acknowledged the achievements while noting the broader economic headwinds facing Kenya.
“The country’s economic activity has slowed due to increased taxes and levies without a proportionate rise in income levels, reducing disposable incomes. These factors have affected our members, posing challenges to meeting our projections, especially on FOSA incomes,” he observed.
Despite these challenges, Mr. Chepkechir affirmed that the board is taking proactive measures to safeguard the Sacco’s financial performance.
“To cushion the Sacco from future economic shocks, we are exploring new opportunities for diversification and expansion into untapped markets. We remain committed to achieving our budgetary goals,” he said.
Expansion and Member Empowerment
Ports DT Sacco continues to expand its reach, with branches such as the Nairobi ICD Branch (7th Floor, KCS House, Mama Ngina Street), Voi Satellite Office, and the newly relocated Kisumu Office at TUFFOAM Mall serving members across the country. These branches have become gateways for growth, enabling the Sacco to tap into new markets and bring services closer to members.
In addition to expansion, the Sacco has prioritised training and capacity building throughout 2025. Its training programs focus on financial literacy, leadership and management, cyber security, and mental health, empowering members and delegates with essential skills. By the end of the year, an estimated 2,500 members will have benefited from these programs. The Sacco has also rolled out targeted training for chamas and organised groups through the Top Savers Convention.
In April 2025, delegates undertook a benchmarking visit to Tanzania, gaining valuable insights from the country’s top-performing cooperatives.
“The training initiative aligns with our commitment to empower members with knowledge and skills that promote informed financial decisions,” noted the Chairman.
Innovation, Diversification, and Brand Strength
Operating under its inspiring mantra, “Uplifting People,” Ports DT Sacco continues to attract new members, investors, and partners. Its ongoing feasibility study on Sharia-compliant products marks a bold move to serve members of the Muslim faith within a structured and inclusive financial system.
The Sacco’s deep investment in ICT and digital innovation has further transformed members experiences. Through the integration of Credit Reference Bureau (CRB), Integrated Population Registration System (IPRS), and Business Intelligence (BI) tools, the Sacco now enables real-time credit scoring, efficient data-driven decisions, and secure member verification. Members also enjoy seamless access to services through the Sacco’s mobile banking platforms (*882# and *645#).
Recognition and Government Endorsement
Mr. Nelson Nyoro, Mombasa County Cooperative Director, lauded Ports DT Sacco for its strong performance and leadership during the SDM.
“Your Sacco has upheld the cooperative values through a calm and effective delegates system. You have proved it works, and other Saccos can benchmark from Ports Sacco,” he said.
He congratulated the board and delegates for approving the 2026 budget, emphasizing that such confidence reflects members’ trust in the Sacco’s management and financial integrity.
Mr. Nyoro further noted that the national government, through the Ministry of Cooperatives, is rolling out reforms such as the Central Liquidity Fund (CLF) and the Shared Services Platform, both of which will strengthen the sector and enhance stability across the cooperative movement.
Accolades and Industry Recognition
Ports DT Sacco’s excellence has been recognized with multiple awards in 2025, reaffirming its position as a leader in Kenya’s cooperative sector.
National Level (ICD National 2025)
- Best Performing Sacco, Employer-Based (Asset Base over Kshs 10B) – Position 3
- Best in Technology Optimisation, Employer-Based (Asset Base over Kshs 10B) – Position 2
- Best in Capitalisation, Employer-Based (Asset Base over Kshs 10B) – Position 3
Mombasa County Level (ICD Mombasa County 2025)
- Best Cooperative Society, Regulated – Position 1
- Highest Returns on Assets DT – Position 1
- First to Present Audited Accounts – Position 1
- Best Capitalised Cooperative Society – Position 1
- Best DT Sacco in Credit Management – Position 2
- Most Innovative DT Sacco – Position 2
- Best DT Sacco in Education & Training – Position 2
- Best Insured DT Sacco – Position 2
Nairobi International Trade Fair (ASK 2025)
- Best Cooperative Movement and/or Sacco Stand – Position 1
- Best Financial Institution other than Bank – Position 3
Ports DT Sacco’s bold vision, strategic innovation, and member-centered approach continue to define its growth story. As the Sacco moves into 2026, it remains steadfast in its mission to uplift people and champion financial inclusion across the country.
