Read Books Online and Download eBooks, EPub, PDF, Mobi, Kindle, Text Full Free.
The Contribution Of Saving And Credit Cooperatives Saccos On The Improvement Of Members Socio Economic Development In Rwanda Opportunities And Challenges
Download The Contribution Of Saving And Credit Cooperatives Saccos On The Improvement Of Members Socio Economic Development In Rwanda Opportunities And Challenges full books in PDF, epub, and Kindle. Read online The Contribution Of Saving And Credit Cooperatives Saccos On The Improvement Of Members Socio Economic Development In Rwanda Opportunities And Challenges ebook anywhere anytime directly on your device. Fast Download speed and no annoying ads. We cannot guarantee that every ebooks is available!
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 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 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.
Book Synopsis Microfinance in Africa by : S. Rajagopalan
Download or read book Microfinance in Africa written by S. Rajagopalan and published by . This book was released on 2009 with total page 220 pages. Available in PDF, EPUB and Kindle. Book excerpt: Africa is home to some of the poorest and vulnerable populations in the world. The ten poorest countries in the world are in Africa. Sub-Saharan Africa is the region with the highest incidence and greatest depth of poverty in the world. Fewer than one in five adults in Africa has access to the services of a formal or semi-formal financial institution. Microfinance in Africa is growing, though. A broad range of diverse institutions offer financial services to the poor and low-income clients in Africa. These include non-governmental organizations, non-banking financial institutions, cooperatives, credit unions, rural banks, Rotating Savings and Credit Associations (ROSCAs), postal financial institutions and an increasing number of commercial banks. Increasingly, technology is being used to expand microfinance outreach mobile phone banking is one such example. This book provides an overview of the microfinance sector in Africa, reviews the performance and impact of microfinance institutions in the region, and outlines some of the opportunities and challenges that African microfinance has on hand.
Book Synopsis Microfinance Handbook by : Joanna Ledgerwood
Download or read book Microfinance Handbook written by Joanna Ledgerwood and published by World Bank Publications. This book was released on 1998-12-01 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: The purpose of the 'Microfinance Handbook' is to bring together in a single source guiding principles and tools that will promote sustainable microfinance and create viable institutions.
Book Synopsis ESG-Ratings (Environmental, Social, Governance). Standards, challenges and solutions by :
Download or read book ESG-Ratings (Environmental, Social, Governance). Standards, challenges and solutions written by and published by GRIN Verlag. This book was released on 2021-10-19 with total page 63 pages. Available in PDF, EPUB and Kindle. Book excerpt: Bachelor Thesis from the year 2021 in the subject Business economics - Investment and Finance, grade: 1,7, University of applied sciences Frankfurt a. M., language: English, abstract: This bachelor thesis examines the challenges of ESG ratings and attempts to find a solution to these explored challenges. To answer this question, a theoretical definition of ESG and SRI is given first, followed by a discussion of ratings' theoretical background, standards, and rating agencies' traditional procedures. The classic challenges of ratings are also considered. The differences to ESG ratings are then discussed, and sustainability ratings and sustainability rating agencies are examined. In the following part, the individual challenges of ESG ratings discussed theoretically are described. After the theoretical foundations, the challenges are clarified in an analysis. The analysis refers to two different industries. Based on the results, possible solutions are proposed and discussed. A conclusion is followed. Sustainability has been a highly debated topic for a long time. Waste separation, the purchase of regional food, electricity supply options and the fight against plastic waste are indispensable topics for society. The matter has not yet played such a significant role in financial investments, but interest is growing. Millennials are open to sustainable investments. This area of interest is shown by a representative YouGov study commissioned by the fund company Deka. Nevertheless, only six per cent of investors own sustainable investments. This occurrence is maybe because the topic is complex for investors to grasp. There is even a lack of a generally valid definition of sustainability. There are indeed several quality seals that make orientation easier, but there are no standards. The EU Commission wants to change that and is working on critical criteria for sustainable investments, but it will be some time before these are fully implemented throughout the EU.
Book Synopsis Fintech by : International Monetary Fund
Download or read book Fintech written by International Monetary Fund and published by International Monetary Fund. This book was released on 2019-06-27 with total page 73 pages. Available in PDF, EPUB and Kindle. Book excerpt: The paper finds that while there are important regional and national differences, countries are broadly embracing the opportunities of fintech to boost economic growth and inclusion, while balancing risks to stability and integrity.
Book Synopsis Youth Employment in Sub-Saharan Africa by : Deon Filmer
Download or read book Youth Employment in Sub-Saharan Africa written by Deon Filmer and published by World Bank Publications. This book was released on 2014-01-24 with total page 283 pages. Available in PDF, EPUB and Kindle. Book excerpt: "The series is sponsored by the Agence Francaise de Developpement and the World Bank."
