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The Fund (Coffee Development Fund) will disburse credit through Intermediaries and involve the management committees of coffee co-operative societies for effective and efficient supervision of credit.

The Fund will appoint the Intermediaries through competitive bidding based on their capacity and credibility to disburse credit in the coffee growing areas. Recruitment of more intermediaries is going on.

Societies already appointed are:
Agricultural Finance Corporation (AFC)
Baringo Teachers Teachers Sacco
Egerton University Sacco
Embu Farmers Sacco
Kapenguria Teachers Sacco
Kiambu Tea Growers Farmers Sacco
Kipsigis Teachers Sacco
Kirinyaga District Farmers Sacco
K-Rep Fedha Services Ltd
Mathira Farmers Sacco
Meru Central Farmers Sacco
Meru North Farmers Saccco
Meru South Farmers
Michimikuru Rural Sacco
Mugama Farmers Co-operative Union
Nandi Farmers Sacco
Ntiminyakiru Rural Sacco
Taifa Sacco
Taita Taveta Teachers SACCO
Trans-Nzoia Teachers Sacco
Wakenya Pamoja Sacco

The intermediaries shall operate in accordance with a loan agency agreement signed with the Fund. They shall not only disburse credit to growers, but also recover and remit the proceeds of such loans to the Fund promptly.