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    SACCO Dividend Yield & Capital Adequacy Modeler

    Model member deposit interest rebates, share capital dividends, and statutory 20% reserve allocations while guaranteeing SASRA prudential solvency.

    SASRA Act Section 47 Compliant
    IFRS 9 ECL Provisioning Engine

    SACCO Dividend Yield & Capital Adequacy Modeler

    Boardroom-grade stress testing for SACCO Audit Committees, CEOs, and Treasury teams balancing member dividends with statutory solvency.

    Institutional Parameters

    KES Millions
    KES 3,500M
    KES 2,500M
    KES 380M
    3.5% (SASRA Max: 5.0%)
    1.0% (Tier-1 Low Risk)15.0% (Severe Stress)

    Target Member Return Rates

    8.5% p.a.
    5.0% (Conservative)15.0% (High Payout)
    12.0% p.a.
    5.0%25.0% (Aggressive)

    SASRA Statutory Compliant & Solvency Fortress

    Proposed distribution preserves Core Capital at 19.9% (Statutory Minimum: 10.0%) with healthy retention.

    Total Member Payout

    KES 258.10M

    Rebates: KES 212.50M + Div: KES 45.60M

    Core Capital / Assets

    19.9%

    SASRA Minimum: 10.0%

    Retained Buffer

    KES 9.92M

    Stat. Reserve: +KES 67.00M

    Surplus Allocation & Prudential Benchmarking

    Need a Boardroom Actuarial Defense?

    Review this simulation directly with Ramon Gitau prior to your SASRA Annual Returns submission.

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