The role of informal microfinance institutions in saving

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Local Counterpart Netherlands Development Cooperation (SNV), CRDB Program Amount $895 million0.895 Arusha Pride Tanzania $6.3 million Pride Tanzania and Pride Africa Government of Tanzania $0.490 million Pride Africa $0.53 million Bank of Tanzania $120,000 million Presidential trust Fund SEK 11 million Tanzania Association of Microfinance Institutions SEK 4 million Region Program Description Arusha, Tanga, DSM, Morogoro, Dodoma, Mwanza, Iringa, Shinyanga, Mbeya, Songea, Musoma, Singida, Tabora, Kigoma, Zanzibar Arusha Tanzania and Uganda SACCOs $1.0 million Lake Victoria Region Finance & Advice Development Assistance - Small Enterprise Promotion (FAIDA.SEP), to provide credit guarantee scheme for small and micro entrepreneurs Pride Tanzania: microfinance capacity building, training and credit funds to micro entrepreneurs who can be assisted to develop their enterprises into financial viability and sustainability REDI Arusha: microfinance capacity building and training for NGOs, specially pride Tanzania and Pride Africa GOT/Multi-Donor Mission: Review of Rural and Micro Finance in Tanzania Research and development to improve the Pride microfinance model in 2 countries Supervision and regulation of microfinance, Financial Sector Assessment- in World Bank's comprehensive Rural and Micro Financial Services Project TA for capacity building and institutional support to develop self reliance for PTF TA for capacity building and institutional support to develop self reliance for TAMFI TA for capacity building and institutional support to SACCOs through Swedish Cooperative Center 72
Local Counterpart Program Amount Government of Tanzania Not indicated Government of Tanzania Not indicated Confederation of Tanzania Industrial lists (CTI), Tanzanian Chambers of Commerce Industries and Agriculture (TCCIA), Small Industrial development Organization (SIDO), the Planning Commission Various Local and Regional entities and institutions Youth Employment Foundation (YOSEFO) Tanzania Micro entrepreneur Association Credit Activities for Women (CREW) Not indicated Presidential Trust Fund $233,539 Region Program Description Coast Region, Dodoma, Lindi Kigoma, Dar es Salaam, Arusha, Zanzibar Mwanza, Mwanza (FINCA), Dares-Salaam (AMINA), The Business Centre, Tanzania Venture Capital Fund, Regional Chamber of Commerce, Bank of Tanzania with FISEDA and HUMACO Community-Based initiatives (CBI) for Poverty Eradication: funds for on lending National Program of Action for Sustainable income Generation: support for income generation projects in agriculture, microenterprise, infrastructure sectors Non-financial business support services to microfinance administrators for informal sectors development, in computers, information and communications technology, opportunity studies, marketing USAID support is directed towards private sector development through business promotion intermediaries such as FINCA (MWANZA), AMINA, the Business Centre 9Dar es Salaam), Tanzania Venture Capital Fund (TVCP), Training. Assistance to Bank of Tanzania $143,153 Tem eke (DSM) Revolving loan fund for micro credit $148,328 Mwanza (urban) $50,000 Zanzibar Dares-Salaam, Kibaha and Mlandizi (Coast) Revolving loan fund for micro credit; micro-entrepreneur training/capacity building Grant for capacity building, training, micro credit loan fund Dar Women and Youth Credit project - Grant for capacity building, micro credit loan fund 73
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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
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
Page 69 and 70: Local Counterpart Local MF NGOs wor
Page 71: Local Counterpart Small Industrial
Page 75 and 76: • PROMOTION AND ROLE MODELS. Help
Page 77 and 78: (iii) The target group being foreig
Page 79 and 80: (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
Page 99 and 100: from being influenced by individual
Page 101 and 102: Investment Guarantee Agency (MIGA)
Page 103 and 104: 2.1.7: THE ROLE OF STOCK MARKET IN
Page 105 and 106: isk{Solnik 1974}. As a consequence
Page 107 and 108: • 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
Page 117 and 118: plus services (Aghion and Murdoch 2
Page 119 and 120: � Lack of appropriate and adequat
Page 121 and 122: 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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The method of collecting Primary an
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characteristics of participants, th
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How? Through experiment approach /g
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which the problem has got to be stu
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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
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However, operating income per total
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The Research Institutions in Tanzan
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microfinance services in both rural
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(xi) Do you inform SACCOs about you
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• Provide modern facilities and i
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validate this observation by asking
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fact that their SACCOs serves all k
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What is more disturbing than the fa
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Year Real Private Disposable income
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Year Real Private Income Received b
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Model R R Squar e Adjusted R Square
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213
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215
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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
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APPENDIX E: QUESTIONNAIRES USED TO
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5.15 How have you been financing th
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Real Pinco RGD Rate Real GV Inv Dum
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In general, SACCOs in Tanzania have
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Finally, governments in Sub-Saharan
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5.3.11 If the answer to 10.0 is “
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5.3: RECOMMENDATIONS OF THE STUDY (
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REFERENCES: Ally M.Kimario, Marketi
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Working paper number 466, IDS, Univ
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