3.2 STRENGTHS

• Democratic ideals in management practice
• A long history of success
• Existence of a check off system that guarantees regular remittances.
•A national branch network
• A strong Management team.
• Effective control systems.
• Low loan default rate.
• Low interest rates.
• Strong asset base.
• Regular payment of dividends.
• Prudent financial management.
• Good corporate image.
• Assured captive market.
• Informed and stable leadership.
• Adequate operational resources.
• Well-defined operational procedures.
• Fair distribution of available resources.
• Competent staff.
• Conducive working environment.
• Committed and motivated staff.

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