... 223 living in low-income and slum areas of Nairobi, and is an integrated program combining savings, micro -credit, training in business and life skills, reproductive health (RH) education, and ... left the program because of the rigidity of the savings requirement, the lack of access to their savings in the event of an emergency, and the pressure to continually take out and repay loans. ... training, savings, and to mentors during their time in TRY. Far fewer (54 percent) took micro-loans. Because loan taking involved a process of savings, formulating a business plan, and gaining approval...