Abstract: The primary goal of the research was to examine how socio-cultural factors affect the involvement of Youth and women in the management of Rural Sacco’s in Tana River County. The researchs key objectives are; To identify the activities, the Youth and women in Tana River County engage themselves in management of rural Sacco’s; To determine the social cultural aspects influencing Youth and women connection in the participation and management of rural Sacco’s in Tana River County