The role of informal microfinance institutions in saving

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3.1.13 The reason for using a particular research philosophy and methodology in the proposed research design ………………………………………………165 3.1.14 Phenomenological elements …………………………………………………..165-166 3.1.15 Qualitative data gathering …………………………………………………….166 3.1.16 The research study is action ……………………………………………………166 3.1.17 What are the specifics of the study …………………………………………169-177 12
CHAPTER 4 PRESENTATION AND DATA ANALYSIS 4.1.0 Introduction…………………………………………………………………………177 4.1.1 Results from questionnaires, interviews and reservation methods …………178 4.1.2 Responses to Questionnaire…………………………………………………….179 4.1.3 Business Environment …..……………………………………………………….179-181 4.1.4 Research and Development support……………………………………………192-196 4.1.4 (i) Questionnaire on Research and Development ……………………………..196-197 4.1.4 (ii) Questionnaire on Legal from work …………………………………………197 4.1.4 (iii) General Questions on Research Information ………………………………197-198 4.1.5 Suggestion on improvement of legal frame work for SACCOs Development in Tanzania ……………………………………………………………..………………………198 4.1.6 Business Regulation………………………………………………………………198-199 4.1.7 Finance support service …………………………………….…………………...199-200 4.1.8 Legal framework …………………………………………………………………200-201 4.1.9 Member Borrowing Behavior ……………………………………………….....201 4.1.10 General Services ………………………………………………………………….202 4.1.11 Financial Services …………………………………………………………………202 4.1.12 What members like Best about SACCOs ………………………………………202 4.1.13 What members like Least about SACCOs ……………………………………..203 4.1.14 New services …………………………………………………………………….203-204 4.1.15 Summary of research findings and Recommendation ………………………..204 4.1.16 Saving Services …………………………………………………………………..204-205 4.1.17 Lending services ………………………………………………………………….205-206 13
Page 1 and 2: THE ROLE OF INFORMAL MICROFINANCE I
Page 3 and 4: DECRALATION I, Mwakajumilo, Stephen
Page 5 and 6: DEDICATION To Almighty God, to whom
Page 7 and 8: ACRONYMS AND ABBREVIATIONS AGOA = A
Page 9 and 10: TABLE OF CONTENTS Title Page I Abst
Page 11: 2.2.7 The prospects of SACCOs in Ta
Page 15 and 16: TABLE 18B: Value of loan from SACCO
Page 17 and 18: To SACCOs, they (SACCOs) are also e
Page 19 and 20: micro projects, general entrepreneu
Page 21 and 22: which are viewed as not credit wort
Page 23 and 24: parts of Tanzania. They are member
Page 25 and 26: Cooperatives were introduced in Tan
Page 27 and 28: 1.1.3: WHY IS THIS THESIS UNDERTAKE
Page 29 and 30: Cumulative Number of Number of Year
Page 31 and 32: Year Number of Members Value of Sha
Page 33 and 34: Year Percentage of Consumption of l
Page 35 and 36: • Bureaucratic constraints, lack
Page 37 and 38: 6. To identify gaps/shortfalls (i.e
Page 39 and 40: economy with respect to the unhealt
Page 41 and 42: organizations, help members achieve
Page 43 and 44: The cooperative formula was then co
Page 45 and 46: savings and credit cooperatives tha
Page 47 and 48: Cameroon in its English-speaking ar
Page 49 and 50: Since they have appeared on the sce
Page 51 and 52: Tanzania was the first country in A
Page 53 and 54: Type / Name of institution Microfin
Page 55 and 56: enhancing loan recovery and improvi
Page 57 and 58: embarked on building links with Sac
Page 59 and 60: • Encouraging and supporting, thr
Page 61 and 62: This shows the true nature of a maj
Page 63 and 64:
Savings mobilization The potential
Page 65 and 66:
It has been argued that the formal
Page 67 and 68:
It is suggested that governments, i
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Local Counterpart Local MF NGOs wor
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Local Counterpart Small Industrial
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Local Counterpart Program Amount Go
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• PROMOTION AND ROLE MODELS. Help
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(iii) The target group being foreig
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(iv) Existence of pressure of the M
Page 81 and 82:
(c) Government should honor stakeho
Page 83 and 84:
1.1.16: INCOME DISTRIBUTION Policie
Page 85 and 86:
TABLE 8: Formal Sector Distribution
Page 87 and 88:
percent households decreased from a
Page 89 and 90:
Also the significance of this study
Page 91 and 92:
loans to their respective members i
Page 93 and 94:
• Having adequate and timely secr
Page 95 and 96:
LITERATURE REVIEW 2.1.0: INTRODUCTI
Page 97 and 98:
It further defines savings and cred
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from being influenced by individual
Page 101 and 102:
Investment Guarantee Agency (MIGA)
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2.1.7: THE ROLE OF STOCK MARKET IN
Page 105 and 106:
isk{Solnik 1974}. As a consequence
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• Access for New Firms- The prest
Page 109 and 110:
of financial systems. The success o
Page 111 and 112:
Mkwizu (1992) points out that Tanza
Page 113 and 114:
(1994) conclude that this conservat
Page 115 and 116:
areas. However, repayment schedules
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plus services (Aghion and Murdoch 2
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� Lack of appropriate and adequat
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savings of the community. Community
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ingenious entrepreneurs behind them
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Reforming the national small busine
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linkages based on both market and n
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combinations: private sector, gover
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Tanzania and most of its neighborin
Page 133 and 134:
favorable rates and help keep finan
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The SACCOs, is a complex organizati
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2.2.10.1: Advantages for the SACCOs
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2.2.10.3 THE COMPARATIVE ANALYSIS B
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2. The importance of savings in the
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Commercial Banks are like the other
Page 145 and 146:
presence in carrying on the traditi
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A summary profile of selected NGOs
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(ii) Competitive Financial Environm
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� Likewise, these institutions wi
Page 153 and 154:
METHODOLOGY OF THE STUDY CHAPTER TH
Page 155 and 156:
among variables such as the support
Page 157 and 158:
• Checklist response • Rating a
Page 159 and 160:
• What are the roles of instituti
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In each Region, a total of 20 SACCO
Page 163 and 164:
3.1.8: Data Processing The data res
Page 165 and 166:
3.1.12: Limitations • Difficult i
Page 167 and 168:
Those students who are to write a M
Page 169 and 170:
V. Generalizations and interpretati
Page 171 and 172:
The method of collecting Primary an
Page 173 and 174:
characteristics of participants, th
Page 175 and 176:
How? Through experiment approach /g
Page 177 and 178:
which the problem has got to be stu
Page 179 and 180:
4.1.2: Responses to Questionnaire.
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Outreach and Savings Mobilization
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iggest commercial city have more SA
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small farmers are most likely to sa
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15 TPB … 16 TGT … 17 IFAD-Mbeya
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and bank balances which have been o
Page 191 and 192:
However, operating income per total
Page 193 and 194:
The Research Institutions in Tanzan
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microfinance services in both rural
Page 197 and 198:
(xi) Do you inform SACCOs about you
Page 199 and 200:
• Provide modern facilities and i
Page 201 and 202:
validate this observation by asking
Page 203 and 204:
fact that their SACCOs serves all k
Page 205 and 206:
What is more disturbing than the fa
Page 207 and 208:
Year Real Private Disposable income
Page 209 and 210:
Year Real Private Income Received b
Page 211 and 212:
Model R R Squar e Adjusted R Square
Page 213 and 214:
213
Page 215 and 216:
215
Page 217 and 218:
CONCLUSION The performance of micro
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5.14 Please list in the other impor
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Bank and other institutions engagin
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Table 18A: SITUATION FOR THE SACCOs
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Table 19: SITUATION FOR THE AUDITED
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(a) Specific Recommendations. The r
Page 229 and 230:
APPENDIX E: QUESTIONNAIRES USED TO
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5.15 How have you been financing th
Page 233 and 234:
Real Pinco RGD Rate Real GV Inv Dum
Page 235 and 236:
In general, SACCOs in Tanzania have
Page 237 and 238:
Finally, governments in Sub-Saharan
Page 239 and 240:
5.3.11 If the answer to 10.0 is “
Page 241 and 242:
5.3: RECOMMENDATIONS OF THE STUDY (
Page 243 and 244:
REFERENCES: Ally M.Kimario, Marketi
Page 245:
Working paper number 466, IDS, Univ
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The role of informal microfinance institutions in saving

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