@fia you need to be consistent and fair. For others it is normally "a racing incident". When it is @LewisHamilton or #Ferrari penalties fly.... #BelgianGP
It ain't difficult to understand how SACCOs operate. 95% - 98% of savings are with members as loans. In most cases, loans to members are higher than savings (funded by reserves or borrowed funds). Ignore PROPAGANDA, your savings are safer/profitable with SACCOs than other options