The most improved award was arrived at as a combination of all the growth parameters which includes; membership, capital, deposits, loans, assets and income with different weighting allocated on the various parameters. Some of the factors that made Tembo to be awarded were as follows:

• Membership: Tembo Sacco has been able to deliver quality service to its members. This has ranged from good communication through sms, social media, email and website and members being able to access credit facilities with ease. Members are also able to access their statements real-time through the portal and having a relationship manager.
• Financial: Tembo Sacco is well capitalised having and asset base of over 2 billion. It has been able to manage it finances prudently and efficiently hence emerging as a strong organisation. Because of this, the organisation has witnessed financial growth through good management and informed decisions hence propelling the organisation to greater heights.
• Credit products: We have an array of credit products ranging from short term, medium term and long term. This has allowed our members to have varieties that enables them to choose products that suits them the best.

Tembo Sacco strives to maintain its motto to its members. “With you all the way milele…!”