Thanks for the development we are heading to as far as SACCO'S regulations are being set it will eventually save us from cluck money lenders who charge exorbitant interest rate of 20% per months. in my view i suggest to encourage the Sacco's to maximize on Saving before credit is thought of because it is from savings that credit will come from at the rate they wish. and should aim at self reliant by being innovative other than waiting for prosperity for all.well let it come to prepared ones. The writer is an Auditor for MSCA sacco. steadly growing.