Overall, micro-enterprise finance serves primarily commerce, trade, manufacturing and service sectors. Member savings increased from Ksh 2.4 million in 1991 to Ksh 55.3 million in 1995. The number of active savers went from 2,337 in 1991, to 5,429 in 1993 and 15,014 in 1995, growing most rapidly over the period 1993-1994 when the Chikola Credit Scheme was expanded. This has helped to raise the volume of savings deposits as the number of borrowers and loan volume increase. The K-REP methodology benefits client groups in several ways.
Clients expand their businesses and employ more people.
Clients are also introduced to the banking system and their productive activity is integrated into the formal financial system. Further, K-REP involves clients in making major decisions, such as loan approvals, and in improving the schemes. Total assets increased from Ksh 66 million to Ksh 377 million. This reflects greater direct lending to members of the Chikola Scheme. The volume of outstanding direct loans has climbed from Ksh 32.5 million in 1991 to Ksh 294 million in 1995.