Based on the findings and conclusions of this study the following recommendations are made. SACCOS needs to embrace microfinance best practices; massively mobilize savings, step-up member recruitment, extend their outreach and increase their portfolio sizes without compromising on the quality of service and portfolio. They should also institute internal control systems by hiring professionally qualified staff to handle the daily operations of the SACCOS so as to achieve the separation of duties and responsibilities of the board members. The annual general meetings of the SACCOS should elect to the Management board members with a minimum of Form four level of education so as improve the leadership and governance of SACCOS. Education and training campaigns should emphasize on the intensive savings mobilization to generate internal funds, starting and effectively managing income generating activities to improve the capacity and ability of the SACCOS members and clients to obtain and repay loans without difficulties in addition to increasing their propensity to save. Study tours and exchange visit programmes should be stepped up to improve member exposure.