Abstract
Using the case of the CRDB Bank in Tanzania, this study finds that wholesale lending creates a win-win situation for banks, as well as for Savings and Credit Cooperative Societies (SACCOs). Banks minimise costs of lending, widen outreach and 'cherry-pick' the best borrowers. SACCOs are able to meet their members' demand for credit, negotiate lower interest rates and produce graduates who can access financial services directly from banks. The bank's demand for good governance compels SACCOs to develop their capacity so as to attain best practices. Attention to prudentially regulate SACCOs potentially creates financial exclusion.
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