IBAKWE SACCO GATSIBO A borrowing conversation Purpose, repayment capacity and total cost. Preparation checklist only; not an official SACCO form. [ ] List the purchase, amount needed and your own funds. [ ] Record income, expenses and other debts. [ ] Ask how interest is calculated, all charges, collateral and guarantors. [ ] Request the schedule, total payable and rules on late or early repayment. My follow-up questions: __________________________________________________ Do not record a PIN, password or OTP here. ibakwesaccogatsibo@gmail.com