Nuru International’s Foundation Teams in Kuria, Kenya work hard to promote savings, planning, and budgeting as the cornerstones of the program foundation. So far this year, the CED program has developed several effective strategies to empower Nuru members: the Savings Club Program to accomplish; the Farmer Savings Program, and the Apprentice Program. The CED Program has started as a savings-led initiative, which will begin to transition into a credit-led initiative in 2010.