Second, frequencies of borrower to borrow fund shows the financial sustainability of the SACCOS since it wealth the institution by providing more funds through charges of operating costs. So, SACCOS should advise its members to borrow frequently in order to ensure the financial sustainability of SACCOS. Third, the SACCOS should have higher income than cost of providing services. This will ensure the financial sustainability of that SACCOS since it will be able to operate profitably by earning frequently. Fourth, Cost per borrower should remain below to enable SACCOS to obtain profit that ends in sustainability of financial a certain institution. Fifth, SACCOS showed the higher possibility of not been fully refunded of their funds from debts members should length refund time to enable borrower to refund accordingly. Other strategies for empowering financial sustainability of SACCOS are as follows; including securing loans with low interest rates, recruit qualified personnel, involvement of members in budgeting, exploring new sources of funds, upgrading SACCOS’ loan staff skills, proper control of non default in loan repayment, seeking subsidies from donors, and education on rules and regulations. It is expected that if these recommendations are put into practice by the management then there will be increased financial sustainability at SACCOS in Ilala Municipality. 5.5 Recommendations The recommends that in order for SACCOS to reduce default in loan repayments, they should monitor the borrowers regularly so as to ensure that they use the loans they received for the agreed and intended objective. This can be achieved
Second, frequencies of borrower to borrow fund shows the financial sustainability of the SACCOS since it wealth the institution by providing more funds through charges of operating costs. So, SACCOS should advise its members to borrow frequently in order to ensure the financial sustainability of SACCOS. Third, the SACCOS should have higher income than cost of providing services. This will ensure the financial sustainability of that SACCOS since it will be able to operate profitably by earning frequently. Fourth, Cost per borrower should remain below to enable SACCOS to obtain profit that ends in sustainability of financial a certain institution. Fifth, SACCOS showed the higher possibility of not been fully refunded of their funds from debts members should length refund time to enable borrower to refund accordingly. Other strategies for empowering financial sustainability of SACCOS are as follows; including securing loans with low interest rates, recruit qualified personnel, involvement of members in budgeting, exploring new sources of funds, upgrading SACCOS’ loan staff skills, proper control of non default in loan repayment, seeking subsidies from donors, and education on rules and regulations. It is expected that if these recommendations are put into practice by the management then there will be increased financial sustainability at SACCOS in Ilala Municipality. 5.5 Recommendations The recommends that in order for SACCOS to reduce default in loan repayments, they should monitor the borrowers regularly so as to ensure that they use the loans they received for the agreed and intended objective. This can be achieved