CRDB is different from the other two national banks in that it primarily provides loans to microfinance institutions such as SACCOS (the largest type of MFI in this program). CRDB as a more conservative bank has taken this approach in order to reduce their risks in microfinance by loaning to groups such as SACCOs instead of micro and small enterprise borrowers.
CRDB deviates from the other two national banks primarily because it mainly lends to microfinance institutions such as SACCOS, which is the largest type of MFI in this program. This conservative strategy enables CRDB to reduce its risks in microfinance by lending to groups like SACCOs instead of individual borrowers.