Advice As a small SME before joining any Sacco make sure you read and understand their terms and conditions. Ama utalia kwa choo😂😂😂 for example if you join to get a business loan 3 times your savings or share make sure you know atleast 3 active members who will agree to guarantee you. Hizi wasemangi utasikia tu we give loans to sme 3 times your savings hapo kwa guarantors ndo mambo yiotee or mnaeza shikana watu wanne mujoin one Sacco mujigarantee loans to boost your businesses.