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The book describes how the effective credit risks management can help cooperative societies specifically SACCOS to improve their performances.This book might help the rural SACCOS management to know how to manage credit risk well and to hence upon applications and recommendations from the study. The rural SACCOS might gain higher returns from interests and loans, and this will increase the profitability of the rural SACCOS and hence promote their sustainability. The study recommendations also might be useful to other stakeholders having interests with SACCOS and finance discipline in general. These include Cooperative banks, Local government authorities, development agencies, academicians and other SACCOS' stakeholders.