<prompt> Translate the following text to Swahilithat weve been paying real close attention to that so were using the ones that uh have the lower rate as a matter of fact the uh the uh credit union  <response>: Kwa hivyo, kwa sababu ya kuwa na kiwango cha chini cha malipo, tumeamua kutumia moja ya mashirika ya mkopo ya kitaifa. 