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    Head-to-Head SASRA Actuarial Audit

    Stima vs Mwalimu Comparison

    Side-by-side financial audit of dividend yields, deposit interest rates, borrowing multipliers, and KMRC refinancing eligibility under SASRA regulations.

    Select SACCO Pair to Compare
    Option A (DT-SACCO)

    Stima Deposit Taking SACCO Society Ltd

    15% Return

    Tier-1 Deposit-Taking SACCO serving energy, technology, and commercial sector members across Kenya.

    Asset BaseKES 53.50B
    Loan Multiplier3x Deposits
    Option B (DT-SACCO)

    Mwalimu National Deposit Taking SACCO Society Ltd

    10% Return

    Largest SACCO in East Africa by asset base, primarily serving education sector professionals.

    Asset BaseKES 64.20B
    Loan Multiplier4x Deposits

    Head-to-Head Financial Matrix

    Financial & Operational ParameterStimaMwalimuAdvantage Verdict
    Annual Dividend Yield (Share Capital)15.0% p.a.10.0% p.a. Stima (+5.0%)
    Interest on Non-Withdrawable Deposits11.0% p.a.9.5% p.a.Stima higher interest
    Max Borrowing Capacity Multiplier3x Deposits4x DepositsMwalimu Higher Limit
    Normal Development Loan Interest Rate12% p.a.12% p.a.Reducing balance rate
    Regulated Asset Base (KES)KES 53.50BKES 64.20BMwalimu larger asset base
    KMRC-Backed 9.5% Mortgage Accreditation Accredited AccreditedSingle-digit housing loan window
    FOSA Branch Network & Presence11 Branches (Nairobi)18 Branches (Nairobi)Physical & digital footprint

    Dual Financial Return Modeler

    Simulate earnings and borrowing power on a target member deposit base.

    KES 1.0M
    48 Months
    Stima Deposit Taking SACCO Society Ltd15% Div
    KES 150,000 / yr Dividend
    Max Loan Cap: KES 3.0M (3x)
    Est. Monthly Payment: KES 79,002 / mo (48 mos)
    Mwalimu National Deposit Taking SACCO Society Ltd10% Div
    KES 100,000 / yr Dividend
    Max Loan Cap: KES 4.0M (4x)
    Est. Monthly Payment: KES 105,335 / mo (48 mos)

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