Abstract: Financial intermediation is an exciting field in the demand and supply of funds for investment, liquidity and consumption purposes. Through financial intermediation economic growth occurs and the improvement of the welfare improves: Funds are routed from the savers to borrowers who use the funds in most profitable economic activities (King and Levine 1993).The cooperative movement has been in existence since pre-independence times, they have been touted as the major ways of economic empowerment and poverty reduction. The growth of Saccos has been tremendous and thus they are now in the vision 2030 blueprint as one of the mobilizes of savings and investments.