Saving and Credit Cooperatives(SACCOs)are established to provide saving and credit services by targeting the poor people with the decisive objective of household food security, increasing household income and improving the overall economic and social conditions of their community in general and members in particular. The poor participate in SACCOs program in the expectation of that taking credit increases their income, saving, employment, access to education and health facilities and ultimately achieves the objectives of socioeconomic empowerment and poverty reduction.