The role of informal microfinance institutions in saving

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Year Real Private Disposable income Received by lowest 20% households (Million Tshs) I – n) RGDP Rate Average Interest Rate Charged by SACCOs to borrowers Gess Million Shs Real GDP Growth Rate 2004 28,780.00 3.894 32.5 819.084 7.5 2005 28,963.57 7.118 33.4 826.017 7.7 2006 29,076.13 7.614 34.6 838,719 7.9 2007 29,586.11 7.821 36.8 871.011 8.3 Source: Ramadhan Selestine (2004); Growth, Income Distribution and the living Standard of Average Households in Tanzania. PhD Thesis; Washington International University APPENDIX B: Data used in the Regression Analysis. Year Real Private Income Received by Lowest 20% Households Mill.Tzs (1n)RGDP rate Real Govt investment in Infrastructure Millions. Tzs Real GDP Growth Rate Inflation Dummy for Monetary Policy**I 1961 17.81 4.391 167.0 2.0 1.0 0 1962 21.57 4.381 141.8 3.8 1.1 0 1963 21.94 4.381 92.0 5.1 1.5 O 1964 17.52 4.301 55.8 4.2 1.9 0 1965 14.92 4.121 51.0 3.5 2.1 0 1966 14.57 4.000 60.0 4.1 2.5 0 1967 22.31 3.952 88.2 5.2 2.8 0 1968 37.98 3.900 104.7 1.8 3.0 0 1969 41.72 3.614 100.3 5.8 3.1 1 1970 64.43 3.497 154.7 4.2 3.4 1 1971 64.50 2.502 236.6 6.7 3.8 1 1972 32.93 3.943 137.3 10.0 8.0 1 1973 31.44 1.802 104.0 2.5 10.0 1 1974 23.24 1.436 58.3 6.0 19.5 1 1975 21.28 3.233 35.5 6.4 26.1 1 208
Year Real Private Income Received by Lowest 20% Households Mill.Tzs (1n)RGDP rate Real Govt investment in Infrastructure Millions. Tzs Real GDP Growth Rate Inflation Dummy for Monetary Policy**I 1976 109.97 3.696 150.6 6.6 6.9 1 1977 79.03 0.227 85.7 5.8 11.6 1 1978 103.29 1.204 82.2 5.5 12.2 1 1979 112.85 1.392 155.2 3.6 12.8 1 1980 56.06 1.760 62.2 2.8 30.8 1 1981 74.41 0.297 82.9 1.7 25.6 1 1982 98.25 3.600 103.3 -2.4 28.9 1 1983 119.30 1.456 62.3 4.6 27.1 1 1984 109.12 2.085 61.0 5.0 36.1 1 1985 159.47 2.852 81.0 -1.8 33.3 1 1986 215.35 1.191 129.3 7.0 32.4 1 1987 315.42 3.103 476.6 4.4 29.9 1 1988 535.47 2.624 822.4 1.2 31.2 1 1989 1089.98 2.587 926.2 -0.1 25.8 1 1990 1781.83 2.940 1910.5 3.1 35.1 1 1991 1313.75 3.762 1620.4 1.8 32.2 1 1992 2232.00 2.298 3384.2 0.4 20.1 1 1993 2859.32 2.744 2553.0 1.4 39.1 1 1994 1885.66 1.950 2121.2 3.6 20.4 1 1995 4273.73 2.328 2637.2 4.2 17.4 1 1996 6561.59 2.702 3805.9 3.3 14.7 1 1997 6906.45 2.112 4511.8 4.0 9.2 0 1998 6485.38 2.547 5300.0 4.7 5.8 0 1999 16666.08 3.008 5864.0 5.7 5.6 0 2000 19834.84 3.087 6311.0 6.1 4.9 0 2001 24807.28 3.514 7584.0 6.8 4.7 0 2002 26707.30 3.678 8688.0 6.9 4.6 0 209
Page 1 and 2:
THE ROLE OF INFORMAL MICROFINANCE I
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DECRALATION I, Mwakajumilo, Stephen
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DEDICATION To Almighty God, to whom
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ACRONYMS AND ABBREVIATIONS AGOA = A
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TABLE OF CONTENTS Title Page I Abst
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2.2.7 The prospects of SACCOs in Ta
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CHAPTER 4 PRESENTATION AND DATA ANA
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TABLE 18B: Value of loan from SACCO
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To SACCOs, they (SACCOs) are also e
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micro projects, general entrepreneu
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which are viewed as not credit wort
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parts of Tanzania. They are member
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Cooperatives were introduced in Tan
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1.1.3: WHY IS THIS THESIS UNDERTAKE
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Cumulative Number of Number of Year
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Year Number of Members Value of Sha
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Year Percentage of Consumption of l
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• Bureaucratic constraints, lack
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6. To identify gaps/shortfalls (i.e
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economy with respect to the unhealt
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organizations, help members achieve
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The cooperative formula was then co
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savings and credit cooperatives tha
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Cameroon in its English-speaking ar
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Since they have appeared on the sce
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Tanzania was the first country in A
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Type / Name of institution Microfin
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enhancing loan recovery and improvi
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embarked on building links with Sac
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• Encouraging and supporting, thr
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This shows the true nature of a maj
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Savings mobilization The potential
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It has been argued that the formal
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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
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(c) Government should honor stakeho
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1.1.16: INCOME DISTRIBUTION Policie
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TABLE 8: Formal Sector Distribution
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percent households decreased from a
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Also the significance of this study
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loans to their respective members i
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• Having adequate and timely secr
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LITERATURE REVIEW 2.1.0: INTRODUCTI
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It further defines savings and cred
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from being influenced by individual
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Investment Guarantee Agency (MIGA)
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2.1.7: THE ROLE OF STOCK MARKET IN
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isk{Solnik 1974}. As a consequence
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• Access for New Firms- The prest
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of financial systems. The success o
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Mkwizu (1992) points out that Tanza
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(1994) conclude that this conservat
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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
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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
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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
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METHODOLOGY OF THE STUDY CHAPTER TH
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among variables such as the support
Page 157 and 158: • Checklist response • Rating a
Page 159 and 160: • What are the roles of instituti
Page 161 and 162: 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.
Page 181 and 182: Outreach and Savings Mobilization
Page 183 and 184: iggest commercial city have more SA
Page 185 and 186: small farmers are most likely to sa
Page 187 and 188: 15 TPB … 16 TGT … 17 IFAD-Mbeya
Page 189 and 190: 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
Page 195 and 196: 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: Year Real Private Disposable income
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
Page 219 and 220: 5.14 Please list in the other impor
Page 221 and 222: Bank and other institutions engagin
Page 223 and 224: Table 18A: SITUATION FOR THE SACCOs
Page 225 and 226: Table 19: SITUATION FOR THE AUDITED
Page 227 and 228: (a) Specific Recommendations. The r
Page 229 and 230: APPENDIX E: QUESTIONNAIRES USED TO
Page 231 and 232: 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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