“Stima Sacco DT is a licensed Deposit Taking Sacco established in 1974 with the sole objective of uplifting the members’ social economic well-being. In April 2003 the Sacco responded to members banking needs by introducing the Front Office Service Activity (FOSA) to offer banking services to its members. To date the Sacco has nine branches in Nairobi(Parklands), Mombasa, Kisumu, Nakuru, Olkaria,Eldoret, Nairobi CBD, Embu and Kawi Centre (South C)”