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SWOT Analysis


  • Experienced and diversified Board of Directors.
  • Use of Effective Management Information System
  • Innovative product development.
  • Existence of Co-operative societies/Groups.
  • Good corporate governance policy.
  • Experienced and certified microfinance personnel.


  • Large numbers of customers with low transaction
  • Inadequate Funding


  • Existence of large number of potential customers and large numbers of small and medium scale enterprises.
  • Limited competition in the catchments areas


  • Competition from commercial banks running microfinance bank as subsidiary
    Competition from new entrants to the sector.
    Regulatory policies.