AVOIDING SAVING MONEY IN BOMBASA (Pants) PROJECTS CAN BE FINANCED INTERNALLY. Many developing countries have the potential to finance and fund projects without external borrowing. This book looks at a glimpse on how money is saved using the informal way of savings, such as hiding money in a pant. The Government together with the Entrepreneurs could easily access cheap loans locally only if the banks are able to collect and accumulate cheap pool of funds such as savings from individuals. Low saving rate at the moment is attributed to many factors that hinder savings. Without Individual savings in the country economic growth is and will be a fallacy.