This paper entitled "Loan Provision, Degree of Collect ability and Reason for Defaulter inrncase of WISE Saving and Credit Cooperatives Union for Women" examined the loanrnProvision, collection procedures as well as the default rate of this SAC.rnToday a number of saving and Credit Cooperatives (Sacs) are established to give arnSaving and loan service to clients and much emphasis is given for those women whorn. WISE's major clients are women who would have an impact onrnChanging their own life as well as their females. The study attempted to identify andrnAssess the loan provision criteria '.I', collection procedures, the reason f or defaulter, thernImpact of interest on the cooperatives and clients, and last but not the least the benefitsrnand challenges of the SAC under WISE.