7.4 What are your comments on the factors that have made SACCOs to get achievements on <strong>of</strong> the level <strong>of</strong> loan recovery and reduce the number <strong>of</strong> loan defaulters?.......................................................................................... 7.5 What are your comments on the factors that h<strong>in</strong>dered the SACCOs to achieve over and above expectations? ............................................................ 7.6 What challenges and recommendations do you pose to SACCOs <strong>in</strong> order that the micro f<strong>in</strong>ance susta<strong>in</strong> <strong>in</strong> the current stiff competitions? ...................... 7.7 Provide any other useful <strong>in</strong>formation with regards to this topic …………….. Table 17: TOTAL NUMBER OF COOPERATIVES UP TO MAY 30 ST , 2004 NA. REGION CROPS DEPOSIT ANIMALS FISHING HOUSIN G MI N. INDUSTR Y IRRIG. TRANS . ACTIO N 1 Arusha 42 77 6 0 0 0 9 1 156 2 Dodoma 0 99 1 0 0 1 2 5 175 3 Dar es salaam 25 223 0 5 20 0 35 0 78 4 Ir<strong>in</strong>ga 122 108 2 4 0 0 18 0 157 5 Kagera 223 138 26 9 4 0 3 0 227 6 Kigoma 45 33 0 4 2 2 1 0 55 7 Kilimanjaro 100 115 5 0 0 0 9 0 180 8 L<strong>in</strong>di 76 23 0 0 0 0 4 0 109 9 Manyara 45 43 7 0 0 2 3 1 46 10 Mara 144 86 2 6 1 1 1 0 201 11 Mbeya 133 140 21 5 0 0 10 0 336 12 Morogoro 84 70 3 0 3 0 15 4 79 13 Mtwara 149 40 0 0 0 0 8 2 205 14 Mwanza 344 29 2 20 0 2 8 0 446 15 Pwani 113 43 13 18 2 2 119 0 72 16 Rukwa 11 19 0 6 0 0 0 0 27 17 Ruvuma 113 31 0 1 0 0 0 0 130 18 Sh<strong>in</strong>yanga 495 61 15 0 3 1 5 0 402 19 S<strong>in</strong>gida 59 31 2 0 0 2 3 9 43 20 Tabora 244 56 0 7 0 2 3 0 302 21 Tanga 46 44 11 5 0 0 6 5 196 Total 2,613 1,509 116 110 35 15 262 27 3,622 Source: M<strong>in</strong>istry Of Cooperatives / Market<strong>in</strong>g 222
Table 18A: SITUATION FOR THE SACCOs DEVELOPMENT UP TO MAY, 2004 NA. REGION TOTAL NO OF COOPORATIVES. URBAN RURAL TOTAL NO. OF COOPS. MEMBERS SHARES TSHS DEPOSITS TSHS 1 Arusha 39 38 77 15,198 318,866,022 219,521,095 2 Dodoma 54 45 99 12,257 1,437,556,000 210,704,000 3 Dar es salaam 217 6 223 37,908 4,924,416,170 440,049,458 4 Ir<strong>in</strong>ga 50 58 108 9,310 1,153,221,863 712,806,748 5 Kagera 50 88 138 4,525 30,812,961 88,742,502 6 Kigoma 15 18 33 1,901 26,614,000 4,718,000 7 Kilimanjaro 46 69 115 50,559 537,219,280 560,408,159 8 L<strong>in</strong>di 18 5 23 1,505 151,597,973 1,793,227 9 Manyara 21 22 43 4,981 212,539,431 337,895,610 10 Mara 21 65 86 7,721 97,722,943 93,816,858 11 Mbeya 47 93 140 15,829 2,311,873,898 98,615,661 12 Morogoro 41 29 70 12,640 852,789,992 61,300,869 13 Mtwara 20 20 40 11,502 110,156,663 134,407,142 14 Mwanza 19 10 29 2,759 125,957,660 590,000 15 Pwani 20 23 43 2,409 377,500,000 233,294,541 16 Rukwa 13 6 19 1,176 29,600,900 96,011,785 17 Ruvuma 19 12 31 13,462 243,797,527 237,468,712 18 Sh<strong>in</strong>yanga 23 38 61 5,527 240,939,670 13,041,829 19 S<strong>in</strong>gida 7 24 31 3,271 173,817,630 13,000,000 20 Tabora 32 24 56 3,179 35,945,495 76,421,540 21 Tanga 33 11 44 1,726 166,875,512 1,169,015 Total 805 704 1,509 219,345 13,559,821,590 3,635,776,751 Source: M<strong>in</strong>istry Of Cooperative / Market<strong>in</strong>g Distribution <strong>of</strong> loaned funds from SACCOs to members’ <strong>in</strong>vestments; Sect oral distributions <strong>of</strong> loans from SACCOs to members <strong>of</strong> selected 170 SACCOs <strong>of</strong> 15 regions <strong>of</strong> Tanzania <strong>in</strong>to the follow<strong>in</strong>g sub sectors: Agriculture Crop Production, Crop Market<strong>in</strong>g, Animal keep<strong>in</strong>g, Fish and Meat sell<strong>in</strong>g, Payment <strong>of</strong> basic social services (education and health fees), <strong>in</strong>vestment <strong>in</strong> f<strong>in</strong>ancial assets <strong>of</strong> <strong><strong>in</strong>stitutions</strong> listed <strong>in</strong> Dares-Salaam Stock Exchange, timber and furniture sell<strong>in</strong>g, reveals the follow<strong>in</strong>g:- 223
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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
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Those students who are to write a M
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V. Generalizations and interpretati
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- Page 217 and 218: CONCLUSION The performance of micro
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- 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