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Cooperative Unions are one of the oldest financial establishments. Cooperative Unions were and are set out to improve financial welfare of their members. Their operation principle is based on economies of scale in marketing, selling and buying on behalf of members. Cooperative Unions are closely regulated by governments across the world. Most Cooperative Unions serve small scale farmers and traders. All other form of cooperatives including cooperative banks were inspired by Cooperative Unions. Among Cooperative Union policies include the ‘one share, one vote’ policy which promotes equality among the members. Cooperative Union love Esacco accounting and bookkeeping, members’ contributions, loan products, dividend calculation and disbursement among others.

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