The evidence confirms that the degree of integration varies by the market segment and that it is generally more advanced in those market segments that are closer to the single monetary policy, especially the money market. The unsecured money market has been fully integrated since the introduction of the euro, and the repo market is also highly integrated.
SECAEC has been able to link 75 percent of its smallholder farmers to microfinance institutions such as KREP, KWFT and mainstream banks such as Cooperative Bank, Chase Bank, Equity and KCB. It has remained focused and diligent in implementing its programs through integrating quality system management, leading to the award of the ISO 9001–2008 Certification, which guides its program management.