The role of informal microfinance institutions in saving

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microfinance sector must focus on the development of overall rural financial markets. Creating viable lenders, borrowers and savers is a prerequisite for micro financial institutions better performance and the development of sustainable rural financial markets. 5.0 QUESTIONNAIRE ON RESEARCH AND DEVELOPMENT. (The questionnaire is for academic research only). 5.1 NAME OF INSTITUTE………………… ADDRESS………………………………………. 5.2 STAFF STRENGTH……………………… (i) Technical (ii) Administrative 5.3 Which of this research is your organization mainly involved (i) Mission oriented research (ii) Academic Research (iii) Scientific institution research (iv) Others (specify) 5.4 What type of Research and Development service do you provide that target market needs? (i) Applied research only (ii) Basic research only (Both research) 5.5 Who are your major clients? (i)The public (ii) the financial institutions (iii) the Government (IV) The private sector 5.6 Do your research activities target the SACCOs Movement? Yes/No 5.7 If your answer to number 5.6 is “No” State the reasons. 5.8 Please list the main factors affecting the research activities (i) …… (ii) …… (iii)…….. (iv) Others 5.9 It has been observed that efforts to increase research and development activity in SACCOs are difficult. Do you agree or disagree with this view? a. Agree b. Disagree 5.10 If you disagree, give your reasons. 5.11 Do you inform SACCOs about your capabilities, services, innovations and research results? Yes/No 5.12 If “yes” how do you achieve this………………… 5.13 How you identify the needs of SACCOs in order to decide on what services are required (i) By visiting SACCOs (ii) Surveys (iii) Through seminars/Workshops/Conferences (iv) Others (Specify) 218
5.14 Please list in the other importance of the main factors affecting Research support to SACCOs…………………. 5.2: Measures taken by the Tanzanian Government to strengthen Savings and Credit Cooperative Societies (SACCOs) Since 2000, The Tanzanian Government has undertaken various measures to strengthen the role of Savings and Credit Cooperatives Societies (SACCOs) of reducing poverty in the country. These include: (i) Strengthening the linkage between Savings and credit Cooperatives Societies (SACCOs) and formal banks in order to facilitate easy channeling of micro loans from formal banks to low income households in the country. (ii) To facilitate Savings and Credit Cooperatives Societies (SACCOs) to offer formal bank services to rural populations where due to geographical locations, formal banks can’t serve this type of rural community well. (iii) To strengthen inter SACCOs loaning programme (Central Finance Programme) which is run through Savings and Credit Cooperative Union League of Tanzania-SCCULT. 5.3: RECOMMENDATIONS OF THE STUDY (a) General Recommendations To move in the right direction, the Government should prepare a transparent strategy for rebuilding the co-operative movement involving other interested parties like NGOs and other sympathizers of co-operative enterprise. This will ensure that the Government avoids the tendency to dominate the co-operative as in the past. Ensuring their viability and sustainability, cooperative enterprises will need to expand their sources of financing to include non-traditional, non-governmental partners. Given the decline in state-sponsored cooperative networks, cooperative need to seek new forms of external capitalization to do diversify their sources of funding without jeopardizing their democratic approach and autonomy. 219
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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
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• What are the roles of instituti
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In each Region, a total of 20 SACCO
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3.1.8: Data Processing The data res
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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 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: CONCLUSION The performance of micro
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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