A Nakuru-based self-help group by the name Ebony micro-finance was reported by
Watoro (1999) as being very successful in giving loans to small scale traders, hawkers,
retail shopkeepers, dairy farmers, poultry farmers, fish dealers, second hand clothes
dealers, and hair salon operators. The micro-finance serves traders who cannot meet
conditions for loaning by banks. They operate even on weekends so as to effectively
serve their clients. Credit officers are technical people who normally work in the field
by advising the members and evaluating the performance of the group members. In
this study, the question of follow up and giving advice by those who give aid to WGs
was examined in details and recommendations made.