2025 Performance Summary

March 6, 2026 By: Admin0 comments

Resilience. Recovery. Remarkable Growth.

The 2025 financial year presented significant economic challenges, including currency devaluation and drought conditions that affected members’ disposable income and savings capacity. Despite this environment, SUCOMA SACCO demonstrated strong resilience and strategic recovery.

After a slow start in the first quarter, performance steadily improved throughout the year, culminating in one of the strongest financial turnarounds in the SACCO’s history.

Financial Highlights

• Surplus increased from MWK 13.2 million to MWK 468.7 million — a 3,450% growth
• Total Assets grew from MWK 3.5 billion to MWK 4.6 billion (31% increase)
• Liquidity improved from 2% to 20%
• Loan portfolio expanded from MWK 2.7 billion to MWK 3.3 billion
• Membership increased from 9,239 to 9,807

These results reflect strengthened credit management, improved governance and enhanced operational discipline.

Innovation for Members

In line with our member-first strategy, SUCOMA SACCO introduced two impactful products in 2025:

• Dyeratu Loan – Launched in November, attracting strong member uptake
• Phoso Loan – Introduced in December to support household food security amid maize price fluctuations

These innovations directly supported members’ livelihoods while contributing to improved institutional performance.

Looking Ahead to 2026

Building on this momentum, our strategic priorities include:

• Construction of a dedicated SACCO office
• Growing membership by 35%
• Introducing new innovative loan products
• Sustaining liquidity, governance excellence and member confidence

SUCOMA SACCO remains committed to sustainable growth, strong performance and putting Members First — empowering every member to Achieve Your Dreams.