The role of informal microfinance institutions in saving

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Source: Wagao,J (1981): Income Distribution in Developing Countries; the case of Tanzania ; PhD Thesis, University of Sussex; World Bank; development indicators: Bank of Tanzania (1981); Tanzania-Twenty Years After Independence; 1961- 1981; Planning Commission; Tanzania Economic Surveys (Various Issues); N. Lugoye (2001); Growth, Income Inequality and Poverty in Tanzania; MA Thesis; University of Dares Salaam Tanzania and own consumption. ** Implies very little availability of bank micro credits to the poor and 1 imply substantial availability of bank micro credits to the poor. APPENDIX ‘C’ GENERAL RESULTS OF REGRESSIONS REGRESSION Regression ⇒ DESCRIPTIVES MEAN STDDEV CORR SIGM ⇒ MISSING LISTWISE ⇒ STATISTICS COEFF OUTS CI BCOV R ANOVA COLLIN TOL CHANGE ZPP ⇒ CRITERIA = PIN (.05) POUT (.10) ⇒ NO ORIGIN ⇒ DEPENDENT Real PIncome ⇒ METHOD = ENTER RGDRate RealGVInv Dumy monetary Saccos Lend Rate ⇒ PARTIAL PLOT ALL ⇒ RESIDUALS DURBIN HIST (ZRESID) NORM (ZRESID) ⇒ CASEWISE PLOT (ZRESID) ALL (DataSet 1) C: /Users/Nsekela/Desktop/MWAKAJUMILO.sav Descriptive Statistics RealPIncome RGDPRate RealGVInv Dumymonetary SaccosLendRate 5282.1470 3.1570851 2739.8681 .5957447 8.917021 Mean Std. Deviation N 9166.210096 1.56922197 4519.5565736 .49605288 12.5700009 47 47 47 47 47 210
Model R R Squar e Adjusted R Square Std.Error of the Estimate 1 .95a .905 .896 2959.9413 50 Model Summary R Square Change Change Statistics F Change df 1 df2 Sig. F Chan ge Durbin - Watso n .905 99.784 4 42 .000 .598 a. Predictors: (Constant), SaccosLendRate, RGDPRate, Dumymonetaary, RealGVInv b. Dependent Variable: RealPIncome ANOVA b ++++++ Model Sum of 1 Regression Residual Total Squares .5E+009 3.7E+008 3.9E+009 df Mean Square F Sig. 4 42 46 874232333.01 8761252.797 99.784 .000 a 211
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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
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• 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 and 208: Year Real Private Disposable income
Page 209: Year Real Private Income Received b
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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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