The role of informal microfinance institutions in saving

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(V) Preparing Strategies There should be clear instructions on how to prepare strategies for sustainable development. This means having all the types to be followed in preparing policies, strategies and implementation plans. (vi) Commodity markets Efforts are made to find markets for different products as well as opportunities for agro- processing. 1.1.15: HOW ARE FOREIGN BANKS ATTRACTED TO COME TO TANZANIA? The following are various strategies, which may be used to attract foreign banks to come and invest in Tanzania. • Good governance as a focal point to coordinate development of the policy framework and coordinate Government activities in monitoring and evaluating the ongoing microfinance programs. • A proper set of operational guidelines or standards, operationalising principle, laying out practices for government and donors seeking to facilitate the development of microfinance institutions in Tanzania. • Improved infrastructure in the rural areas where such services are more likely to be organized. • A modified regulatory and supervisory organ which is more appropriate for distinguishing features of rural and microfinance institutions. 82
1.1.16: INCOME DISTRIBUTION Policies that reduce income inequality through substantial increase at the bottom Group of households are very important in the raising the living standard of average households in the country. Raising the living standard of average households in the economy requires achieving a substantial increase in the per capita output of poor peasants and workers; accompanied by measures to raise investment, producer prices and minimum wages; and reforming of fiscal measures to raise real disposable income received by the poor. Attraction of foreign investment is also of important in order to supplement local investment in the increasing the employment of the population. (i) 1967-1990 Period Between 1967 and 1987, redistribution policies were in the following forms:- (a) Primary Policies: This concentrated on increasing the power to produce, and raising income and wages to lowest class of producers. (b) Secondary Policies: This provided increase access to basic public and Communal services to the poor segment of the population. Specific redistributive measures of (a) and (b) above adopted for raising the household living standard during the 1967-1987 period were expansion of infrastructural investments in both rural and urban areas, raise of minimum wages which took into account the cost of living, increasing the share of monetary agriculture, setting up of producer prices improvement of opportunities to produce and sell, expansion basic social services and increase in proportion of labor force employed in formal sector. The rural investment programmes during 1967-1986 periods were on balance secured towards redistribution in rural areas. Other instrument for poverty reduction in rural areas were producer prices, improvement of opportunities to produce, sales and expansion of basic health, education and water services. Primary education was expanded under Universal 83
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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
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 and 72: Local Counterpart Small Industrial
Page 73 and 74: Local Counterpart Program Amount Go
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: (c) Government should honor stakeho
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
Page 123 and 124: ingenious entrepreneurs behind them
Page 125 and 126: Reforming the national small busine
Page 127 and 128: linkages based on both market and n
Page 129 and 130: combinations: private sector, gover
Page 131 and 132: 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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