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The Contribution Of Saving And Credit Cooperatives Saccos On The Improvement Of Members Socio Economic Development In Rwanda Opportunities And Challenges
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Book Synopsis The Contribution of Saving and Credit Cooperatives (SACCOS) on the Improvement of Members’ Socio Economic Development in Rwanda. Opportunities and Challenges by : Sylvain R. Ntuite
Download or read book The Contribution of Saving and Credit Cooperatives (SACCOS) on the Improvement of Members’ Socio Economic Development in Rwanda. Opportunities and Challenges written by Sylvain R. Ntuite and published by GRIN Verlag. This book was released on 2021-07-30 with total page 181 pages. Available in PDF, EPUB and Kindle. Book excerpt: Doctoral Thesis / Dissertation from the year 2020 in the subject Economics - Finance, grade: Rite, University of Koblenz-Landau (KOBLENZ-LANDAU UNIVERSITY , School of social sciences, department of Economics), course: PhD Dissertation, language: English, abstract: This study examines the contribution of saving and credit cooperatives (SACCOS) on the improvement of members’ socio economic development in Rwanda. The appearance of saving and credit cooperatives or credit unions has been known as remedy for social ills rooted in poverty because of its efficiency in loans or credits dispensation, social equality for enhancement and reduction of poverty among low income earners. Therefore, millions and millions of poor people and non-bankable in developing countries (or third world countries) have been provided access to formal financial services through saving and credit cooperatives’ programs. The targeted population concerned by the study was 1,940 members of USACCO from which a sample of 92 respondents was purposely selected. The study has adopted a combination of correlation and descriptive research design. It has employed both quantitative and qualitative approaches. The study used both primary and secondary data. The primary data was collected using questionnaire and interview and, while secondary data was collected using documentations techniques whereby, Manual of procedures and Credit policies of USACCO and financial reports have been consulted. The analysis of data was done using SPSS version 21.
Book Synopsis The Role of Savings and Credit Cooperatives in Promoting Access to Credit in Swaziland by : Mcebo Justice Zikalala
Download or read book The Role of Savings and Credit Cooperatives in Promoting Access to Credit in Swaziland written by Mcebo Justice Zikalala and published by . This book was released on 2016 with total page 310 pages. Available in PDF, EPUB and Kindle. Book excerpt: Internationally acclaimed institutions within the development field, such as the United Nations (UN) and the International Labour Organization (ILO), have taken a keen interest in the cooperative model as a mechanism that can be utilised to promote financial inclusion. However, in Swaziland, there have been mixed views regarding the role of savings and credit cooperatives (SACCOs) in facilitating access to financial services for their members. Moreover, within applied economics literature, research has been scarce on the role of savings and credit cooperatives in facilitating access to credit. Additionally, there has been limited knowledge concerning the role of savings and credit cooperatives in promoting access to credit in developing economies like Swaziland. The main objective of this study was to assess the role of savings and credit cooperatives in promoting access to financial services, especially credit services to their members. Empirical analysis was based on both the qualitative and quantitative approaches that utilised a combination of primary and secondary data. The data was collected in a survey of 38 savings and credit cooperatives in Swaziland through face-to-face interviews with respondents and from the cooperative data analysis system (CODAS). The data analysis tool utilised for this analysis was the Statistical Package for Social Science (SPSS) version 22. The results of the study indicated that savings and credit cooperatives in Swaziland have a high level of outreach with an average membership of 631 members, with 46 percent representing women, and also have one physical access point. In addition, in 2014 they managed to accumulate total assets worth E17 333 051, mobilised savings worth E13 501 341, and issued loans worth E11 154 433. However, these savings and credit cooperatives also experienced a huge amount of outstanding loans, accumulating to E12 542 230 in 2014, and a significantly low level of penetration of 3.09 percent. The results of the study also showed that savings and credit cooperatives in Swaziland failed to meet international standards of financial sustainability set for cooperatives. The social performance indicators revealed that savings and credit cooperatives utilise occupation as the common bond. Their development goal is to improve financial access and eradicate poverty for their members, although the savings and credit cooperatives are modest in that they are established to target low-income and middle-income earners. The results also showed that the savings and credit cooperatives vary in terms of human resource policies and staff incentives. In addition, SACCOs were reluctant to invest in enterprise financing ventures and they also experienced low client retention. It also transpired from the results that the major challenges faced by financial cooperatives in Swaziland included low levels of skills and competition from commercial banks. Another major challenge that emerged from the results was the introduction of the Financial Service Regulatory Authority (FSRA), which has escalated the workload of savings and credit cooperative managers/clerks in preparing quarterly reports to be submitted. This has also brought about confusion within the savings and credit cooperative movement as they now report to two separate entities, the FSRA and the Commissioner of Cooperatives. Retirements and retrenchments comprised another major challenge cited by the respondents, as some of the SACCOs have lost their faithful members due to the ending of employment tenures, which has also influenced their client retention rate.
Book Synopsis Role of Saving and Credit Cooperatives in Empowering the Rural Poor by : Desawi Kiros Gebrekidan
Download or read book Role of Saving and Credit Cooperatives in Empowering the Rural Poor written by Desawi Kiros Gebrekidan and published by LAP Lambert Academic Publishing. This book was released on 2012 with total page 84 pages. Available in PDF, EPUB and Kindle. Book excerpt: Saving and Credit Cooperatives(SACCOs)are established to provide saving and credit services by targeting the poor people with the decisive objective of household food security, increasing household income and improving the overall economic and social conditions of their community in general and members in particular. The poor participate in SACCOs program in the expectation of that taking credit increases their income, saving, employment, access to education and health facilities and ultimately achieves the objectives of socioeconomic empowerment and poverty reduction.
Book Synopsis Challenges and prospects of saving and credit cooperatives in South Wolo Zone, Amhara Region, Ethiopia by : Ergetew Temeche
Download or read book Challenges and prospects of saving and credit cooperatives in South Wolo Zone, Amhara Region, Ethiopia written by Ergetew Temeche and published by GRIN Verlag. This book was released on 2014-11-21 with total page 92 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2014 in the subject Business economics - Miscellaneous, grade: B+, , course: Management, language: English, abstract: Saving and Credit Cooperatives (SACCOs) are the main financial solution of the people who have low income level. But they have their own challenges that retard their financial solution to their members and the economical contribution to a country. In Kalu Woreda, the development of SACCOs is low due to the existence of different challenges. The research design is cross sectional descriptive research. Primary and secondary sources of data were used. Stratified systematic random probability sampling methods were employed to select the sample respondents. The collected data were analyzed by descriptive statistical methods & simple index model analysis methods. Lack of knowledge and capacity of management committees and poor members’ participation, lack of transparency and accountability, lack of appropriate support from cooperative promoters and NGOs, and non awareness of the existing opportunities by the members are the main findings. Providing member driven services, providing appropriate training, education, and information to all stakeholders, and recommending Micro Financial Institutions to give up their unfair competition with cooperatives are the possible recommendations. Key words: challenges, prospects, saving, credit, and cooperatives.
Book Synopsis Transforming Africa by : Dana T. Redford
Download or read book Transforming Africa written by Dana T. Redford and published by Emerald Group Publishing. This book was released on 2022-01-26 with total page 201 pages. Available in PDF, EPUB and Kindle. Book excerpt: Transforming Africa: How Savings Groups Foster Financial Inclusion, Resilience and Economic Development presents in-depth empirical research into current day savings group activities across Africa, exploring savings groups through the lens of financial inclusion and reflecting on formal finance, economic and social outcomes.
Book Synopsis How Cooperative are Savings and Credit Cooperatives in Developing Countries? by : Oliver Schmidt
Download or read book How Cooperative are Savings and Credit Cooperatives in Developing Countries? written by Oliver Schmidt and published by . This book was released on 2017 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Building successful savings and credit cooperatives (SACCOs) that actually embody the cooperative principles is a challenge to development agencies. Although SACCOs form the majority of microfinance providers in many developing countries, the most recent literature on microfinance governance and performance has given little reference to the longstanding body of relevant cooperative literature. SACCO representation in microfinance datasets is biased. Drawing on so-far unexploited datasets of Ugandan SACCOs and savings groups, this paper empirically analyses policy debate regarding SACCO- and savings group regulation. The findings point to the relevance of practically implementing the principle of 'cooperation between cooperatives' to ensure effective governance at SACCO level. Moreover, the paper introduces two new measures, based on members' savings and shares, which could become useful tools to track the application of cooperative principles in developing countries, and hence improve evidence-based policy-making for SACCOs.
Book Synopsis State, Cooperatives and Development in Africa by : Hans Holmén
Download or read book State, Cooperatives and Development in Africa written by Hans Holmén and published by Nordic Africa Institute. This book was released on 1990 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Role of Savings and Credit Cooperatives in Africa Today and Tomorrow by :
Download or read book Role of Savings and Credit Cooperatives in Africa Today and Tomorrow written by and published by . This book was released on 1985 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Conference report, credit cooperatives, savings and credit clubs, Africa south of Sahara - credit policy, self help, economic and social development.
Book Synopsis The Contribution of Microcredit Advanced to Women on Poverty Reduction in Rural Area of Rwanda by : Dr. Jean Paul Mpakaniye
Download or read book The Contribution of Microcredit Advanced to Women on Poverty Reduction in Rural Area of Rwanda written by Dr. Jean Paul Mpakaniye and published by . This book was released on 2016 with total page 33 pages. Available in PDF, EPUB and Kindle. Book excerpt: The microfinance sector in Rwanda is relatively young. Although small self-help peasant organizations (such as tontines-ROSCA or ibimina) have existed for some time, the sector growth accelerated with the creation of the Banque Populaire du Rwanda (BPR) and Union des Banques Populaires du Rwanda (UBPR) in 1975 whose network dominates the microfinance industry today. The objectives of the present study were to assess the accessibility of micro credits by woman; to inquire into the destinations of obtained micro-credits; and to show their contribution to poverty reduction in rural areas. The questionnaire, documentary and interview guide were used to collect data from sample size determined. The results showed that female members of SACCO KARISIMBI JENDA constituted 35, 42 and 53% of all members in 2013, 2014 and 2015, respectively. As the number of women in microfinance institutions increased progressively, the women understood well the financial services. Consider the total microloans disbursed by SACCO KARISIMBI JENDA, the quantity of microloans received by women were 22% of all microloans in 2013, 39% in 2014 and 42% in 2015. The activities like modern agriculture, breeding, small trade, payment of hearth insurance, reconstruction of houses, savings account, etc. shown that all microloans taken by women contribute to social economic development and poverty reduction to women and Rwandan society in general. The predominance of men in taking microloans therefore persists but the women also are in a good progression. The challenges like collateral have been observed in this research. Local government, Business Development Fund (BDF), National Bank of Rwanda (NBR) and other public and private institutions are requested to improve the sensitization of women about the guarantee Fund set by government to help women on this issue.
Book Synopsis The Role of Women's Traditional Savings and Credit Cooperatives in Small-farm Development by : Noble J. Nweze
Download or read book The Role of Women's Traditional Savings and Credit Cooperatives in Small-farm Development written by Noble J. Nweze and published by Winrock Publications Sales. This book was released on 1990 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis “Looking Behind the Scene” by : E.P. Akyoo
Download or read book “Looking Behind the Scene” written by E.P. Akyoo and published by . This book was released on 2008 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microfinance programs have significant potential for contributing towards improvements of agricultural and other rural sectors investments and operations and empowerments of rural community. However, access to financial institutions such as banks by smallholder farmers in rural areas is limited because of the nature of these institutions (location and conditions of service). Many of them regard lending to agricultural related income generating activities as being too risky and unprofitable. As a result farmers in Tanzania have to resort to alternative sources of credit such as Savings and Credit Cooperative Societies (SACCOS). SACCOS improve poor smallholder farmers’ access to credit by providing affordable banking services that help to finance income-generating activities and reduce poverty in rural areas. Towards this direction several rural finance projects have been established in Tanzania to assist smallholder farmers. Some of these projects have been implemented in partnership between development actors. According to project evaluation document there was discrepancy between the planned role of each partner and the actual implementation. Evaluation done focused only on the project that is why the need arise to study the relationship between partners in the project. It is on basis of this discrepancy that researcher explored the constrains faced by different partners during implementation of the project. The main research questions were two, one what are the constraints faced by partners during implementation of development of income generating activities project in Tanzania? The second main question was what induced partners to work together in development of income generating activities project in Tanzania. The empirical evidence of the study indicates that long historical relationship was the key for success of the partnership. It also shows that this partnership offered both challenges and opportunities. Challenges in reaching the interest of each partner as well as managing the partnership. Some of the challenges are lack of trust between partners, lack of clearly stated exit strategy, conflict of interest between partners and use of different approaches by partners. On the other hand partners derived some benefits by working together some being increased partners outreach, increase partners trust outside environment, bring resources that can not be obtained easily by one organization and working in partnership has helped partners to reach more farmers. It was also noted that fund was the main reason that derived partners to work together. It was pre-condition to get fund from donor. For future intervention of similar nature it is recommended that partner should first seek understanding each other first before formalizing any partnership. Also partners should ensure that there is maximum participation of all partners at every stage of the project. It is important also to build the capacity of partners in the area of partnership at the beginning of the partnership. This will add support to ensure that all partners own and understand the partnership at the beginning. Exit strategies should be clearly stated and shared between partners. When partners realize that they have approaches that differ a lot it is necessary to either stop partnership or agree on the common approach that will be used.
Book Synopsis Cooperative Enterprises Build a Better World by : International Labour Organization
Download or read book Cooperative Enterprises Build a Better World written by International Labour Organization and published by . This book was released on 2012 with total page 145 pages. Available in PDF, EPUB and Kindle. Book excerpt: Explores the underlying rationale for the approach adopted by the COOPAfrica, a regional technical programme established by the ILO in October 2007, and highlights innovative features in the process of setting up and implementing phase 1 of the programme (2007-2010).
Book Synopsis Theoretical and Empirical Studies on Cooperatives by : Andrew Emmanuel Okem
Download or read book Theoretical and Empirical Studies on Cooperatives written by Andrew Emmanuel Okem and published by Springer. This book was released on 2016-06-29 with total page 116 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book outlines how cooperatives can be used as a tool for development and reconciliation in post-conflict contexts. This book also examines the successes and challenges for emerging and existing cooperatives in Africa, while delivering both practical lessons and insights into the theory. It presents completely new materials on the cooperative movement, against a backdrop of increasing global recognition of the roles of cooperatives and collective action in socio-economic development. Readers are invited to consider how, as an economic model that seeks to advance member collective interests, cooperatives are invaluable tools for human, economic and social development. Social and human geographers find this a remarkably impactful contribution to the literature surrounding cooperatives in Africa and cooperative theory in general. Policy experts and students also find the research informative and insightful.
Book Synopsis Trade and Investment in East Africa by : Binyam Afewerk Demena
Download or read book Trade and Investment in East Africa written by Binyam Afewerk Demena and published by Springer Nature. This book was released on 2022-11-01 with total page 367 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides a thorough understanding of the key policy debates on international trade and investment for development with a focus on the East African Community (EAC) to strengthen Member States’ capacity to develop policies to promote their exports’ competitiveness and diversification. Beyond Member States’, the book serves as a base for a deeper understanding of the challenges, opportunities and requirements of the intra-continental trade agreement which is now in sight with the ratification of the Tripartite (EAC-COMESA-SADC) Free Trade Area that is critical in addressing key constraints to trade in the African continent. Moreover, the lessons from this edited volume may also extend to the challenges and opportunities of the African Continental Free Trade Area. The book brings together a comprehensive overview and an evidence-based analysis that can be considered best practice in the region. The trade and investment policy analysis of constraints and opportunities aims to improve trade and competitiveness and covers macro- (economy-wide), meso- (sectoral) and micro- (firm or household) levels. This multi-level approach is crucial for understanding how current trade and investment policies limit competitiveness and diversification in order to identify more tangible policy action for overcoming such constraints. The individual contributors follow comprehensive applied empirical approaches, and each chapter generates knowledge needed to identify key challenges and opportunities focusing on research-led policy-relevant approaches that enable readers to better understand national, bilateral, and multilateral cooperation as well as policies for sustainable development in East Africa. The contributors know the EAC context very well as their engagement in policymaking goes beyond the context of the papers they are writing about. The individual chapters were developed as part of a research and capacity building programme under the aegis of ACP and EU that we implemented in 2020-2022. The research project well fits into the Frontiers in African Business Research series as we have many African contributors. The contributions matter to policymakers and academic circles. For students, the book serves as an excellent guide for understanding international trade and investment theories and gaining up-to-date knowledge on developments in the world economy and their effects on developing countries and SDGs. Trade policy researchers and students will be able to extend theories and empirical data to address new and emerging topics beyond the settings already covered in the book.
Author :Food and Agriculture Organization of the United Nations Publisher :Food & Agriculture Org. ISBN 13 :9251333971 Total Pages :154 pages Book Rating :4.2/5 (513 download)
Book Synopsis Gender transformative approaches for food security, improved nutrition and sustainable agriculture – A compendium of fifteen good practices by : Food and Agriculture Organization of the United Nations
Download or read book Gender transformative approaches for food security, improved nutrition and sustainable agriculture – A compendium of fifteen good practices written by Food and Agriculture Organization of the United Nations and published by Food & Agriculture Org.. This book was released on 2020-12-09 with total page 154 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Compendium is a product of the Joint Programme on Gender Transformative Approaches for Food Security and Nutrition implemented by FAO, IFAD and WFP and funded by the European Union. The compendium of 15 good practices of gender transformative approaches (GTAs) includes the individual templates of the 15 good practices, provides a synthesis of the main features of the 15 GTAs presenting the core characteristics of 15 GTAs and describing the implementation arrangements, implementation cycle, the potential results of GTAs and their key success factors and challenges. It also includes ideas as to how GTAs could be taken to scale. The purpose of the Compendium is fourfold: (i) to take stock and draw lessons from experiences from existing practices of GTAs; (ii) to be a resource for agencies already working with GTAs to identify opportunities for strengthening their GTA work or to link up with complementary interventions; (iii) to provide guidance on how to apply GTAs in any organization or institution working for enhanced food security, nutrition and sustainable agriculture; and (iv) to raise awareness of and advocate for GTAs by showcasing examples of good practices or successful approaches that contribute to positive gender-related and non-gender-related changes towards food security, improved nutrition and sustainable agriculture and rural development.
Book Synopsis Making Finance Work for Africa by : Patrick Honohan
Download or read book Making Finance Work for Africa written by Patrick Honohan and published by World Bank Publications. This book was released on 2007 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt: Drawing on its extensive experience in helping restructure and reform financial systems, the World Bank examines the state of African domestic financial systems in a global comparison. It identifies promising trends as well as pinpointing the major shortcomings that are observed across sub-Saharan Africa. Policy recommendations distinguish between those designed to make finance a more effective driver of economic growth and those designed to give low income, small-scale and other excluded groups better access to financial services.
Book Synopsis Housing Market Dynamics in Africa by : El-hadj M. Bah
Download or read book Housing Market Dynamics in Africa written by El-hadj M. Bah and published by Springer. This book was released on 2018-03-12 with total page 285 pages. Available in PDF, EPUB and Kindle. Book excerpt: This open access book utilizes new data to thoroughly analyze the main factors currently shaping the African housing market. Some of these factors include the supply and demand for housing finance, land tenure security issues, construction cost conundrum, infrastructure provision, and low-cost housing alternatives. Through detailed analysis, the authors investigate the political economy surrounding the continent’s housing market and the constraints that behind-the-scenes policy makers need to address in their attempts to provide affordable housing for the majority in need. With Africa’s urban population growing rapidly, this study highlights how broad demographic shifts and rapid urbanization are placing enormous pressure on the limited infrastructure in many cities and stretching the economic and social fabric of municipalities to their breaking point. But beyond providing a snapshot of the present conditions of the African housing market, the book offers recommendations and actionable measures for policy makers and other stakeholders on how best to provide affordable housing and alleviate Africa’s housing deficit. This work will be of particular interest to practitioners, non-governmental organizations, private sector actors, students and researchers of economic policy, international development, and urban development.
