Co-operatives in finance are mainly referred to as Savings and Credit Co-operative Societies (SACCOs). Their key activity is mobilizing savings and providing credit to their members. The SACCO sector in Kenya is hailed as the largest in Africa and among the top 10 globally with mobilized domestic savings of KES 800 billion, accounting for 33 per cent of national savings. Kenya has more than 22,000 registered co-operatives and SACCOs with approximately 14 million members, employing over 2 million people directly and indirectly.

The Kenya Union of Savings and Credit Co-operatives (KUSCCO) is the voice and advocate for savings and credit cooperatives; it has been at the forefront of efforts to form and develop strong and viable SACCOs. KUSCCO offers its 3,600 SACCO members and other cooperatives financial and technical assistance, tailored to benefit middle and low-income earners both in rural and urban areas.

The report shows how the Business Advocacy Fund made a point of attempting to assess the impact made by cooperative policy and legislation reform. The report reviews the cases where KUSSCO aimed to avert proposals to amend legislation ahead of the adoption of a new national cooperatives' policy.