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Kenya Case Law

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Banking And Finance [2025] KECPT 360 (KLR)

Kenyatta Matibabu Sacco v Otieno

Kenyatta Matibabu Sacco v Otieno [2025] KECPT 360 (KLR)

The Cooperative Tribunal awarded Kenyatta Matibabu Sacco KES 1,295,483.01 against a defaulting member, with costs and interest at Tribunal rates.

  • Loan Default
  • Recovery Of Debt
  • Summary Judgment
  • Quantification Of Damages
  • Loan-default
  • Debt-recovery
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Banking And Finance [2025] KEHC 8905 (KLR)

I & M Bank Limited v Kabew Kenya Limited & 2 others

I & M Bank Limited v Kabew Kenya Limited & 2 others [2025] KEHC 8905 (KLR)

The court found that the plaintiff bank had established, on a balance of probabilities, that it advanced various credit facilities to the 1st defendant, which were secured by guarantees from the 2nd and 3rd defendants and debentures over the 1st defendant's assets. The defendants admitted receipt of the facilities but failed to adduce evidence to rebut the plaintiff's claim or substantiate their allegation that the bank failed to account for repossessed assets. The court held that the liability of the 2nd and 3rd defendants as guarantors was joint and several but limited to the guaranteed sum…

  • Loan Default
  • Guarantee Liability
  • Debenture Security
  • Joint And Several Liability
  • Recovery Of Debt
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Banking And Finance [2025] KEELC 3690 (KLR)

Housing Finance Corporation v Khamisi & another

Housing Finance Corporation v Khamisi & another [2025] KEELC 3690 (KLR)

The appellate court found that the appellant had demonstrated, through loan statements and uncontroverted evidence, how the outstanding balance of Kshs. 9,824,149.33 arose after the auction of the secured property. The 1st respondent admitted indebtedness and failed to file a defence to the counterclaim. The trial magistrate erred in dismissing the counterclaim, as the appellant was entitled to recover the outstanding loan balance, with interest, after applying the auction proceeds. The court applied the principle of restitutio in integrum and recognized the appellant's right to recover the d…

  • Loan Default
  • Statutory Power Of Sale
  • Mortgage Enforcement
  • Auction Of Secured Property
  • Recovery Of Debt
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Civil Procedure [2025] KECPT 194 (KLR)

Otumba v Owiti

Otumba v Owiti [2025] KECPT 194 (KLR)

The Cooperative Tribunal held that the claimant proved he guaranteed the respondent’s Sacco loans and was entitled to reimbursement after default deductions.

  • Guarantee Liability
  • Loan Default
  • Sacco Disputes
  • Recovery Of Debt
  • Guarantee-liability
  • Loan-default
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Banking And Finance [2024] KECPT 914 (KLR)

Mbithi v Sheria Sacco Socitety Ltd

Mbithi v Sheria Sacco Socitety Ltd [2024] KECPT 914 (KLR)

The Tribunal found the claimant still owed Sheria Sacco Kshs. 716,551.30 after recovery from deposits and guarantors, and dismissed his claim.

  • Loan Default
  • Credit Reference Bureau Listing
  • Guarantor Liability
  • Recovery Of Debt
  • Loan-default
  • Credit-reference-bureau-listing
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Banking And Finance [2023] KECPT 72 (KLR)

Kihoro v Gitogo

Kihoro v Gitogo [2023] KECPT 72 (KLR)

The Tribunal ordered a borrower to refund Kshs 781,994 recovered from a guarantor after loan default, with costs and interest. General damages were dismissed.

  • Guarantee Liability
  • Loan Default
  • Cooperative Societies
  • Recovery Of Debt
  • Guarantee-liability
  • Loan-default
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Civil Procedure [2022] KECPT 894 (KLR)

Murambi & 3 others v Kariuki

Murambi & 3 others v Kariuki [2022] KECPT 894 (KLR)

The Tribunal held that guarantors who paid deductions for a defaulted loan could recover those sums from the principal debtor, but not the full loan amount.

  • Guarantee Liability
  • Loan Default
  • Recovery Of Debt
  • Rights Of Guarantor
  • Guarantee-liability
  • Loan-default
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Banking And Finance [2022] KEHC 10059 (KLR)

National Bank Of Kenyao v John Kiprono Martin Langat T/A Allied Importex Enterprises & 2 others

National Bank Of Kenyao v John Kiprono Martin Langat T/A Allied Importex Enterprises & 2 others [2022] KEHC 10059 (KLR)

The High Court at Nakuru entered judgment for a bank in a debt recovery suit, finding the defendants liable for an unpaid loan and the guarantors liable for the guaranteed sums.

  • Loan Default
  • Guarantee Liability
  • Recovery Of Debt
  • Bank Charges
  • Interest On Loans
  • Loan-default
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Civil Procedure [2021] KECPT 284 (KLR)

Jackson Kiogora Gitonga v Centenary Sacco Limited

Jackson Kiogora Gitonga v Centenary Sacco Limited [2021] KECPT 284 (KLR)

The tribunal dismissed a claim against Centenary Sacco, finding that guarantors—not the Sacco—attached and sold the claimant’s goods after loan default.

  • Loan Default
  • Guarantee Liability
  • Recovery Of Debt
  • Loan-default
  • Guarantee-liability
  • Debt-recovery
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Civil Procedure [2020] KECPT 97 (KLR)

Benson Irungu Mwaura v Sheria Co-operatives Savings & Credit Society of Kenya, Lucy Watiri Kamotho & Susan Wambui Kamotho

Benson Irungu Mwaura v Sheria Co-operatives Savings & Credit Society of Kenya, Lucy Watiri Kamotho & Susan Wambui Kamotho [2020] KECPT 97 (KLR)

The Co-operative Tribunal held that the 2nd and 3rd respondents colluded to obtain a loan and were jointly liable to refund the recovered amount.

  • Guarantees And Indemnities
  • Loan Default
  • Liability Of Guarantor
  • Recovery Of Debt
  • Guarantor-liability
  • Loan-default
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Kenya decisions are organised by court, judge, legal area and indexed issue so a practitioner can move from a proposition to a citable authority with the surrounding context intact.