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xiGraph 2; Planned loans for 2003 8 7FIGURESResearch design summary 4 8APPENDICES:Appendix 1 Application letter to KK fo r offering a free consultancy serviceAppendix 2 Reply letter of acceptance for freeconsultancy serviceAppendix 3 The work planAppendix 4 List of registered SACCOS up to May 2003Appendix 5 QuestionnairesAppendix 6 Society membership application for mAppendix 7 KK investment BuildingsAppendix 8 Staff list and job descriptio nAppendix 9 KK Organizatio n structureAppendix 10 Board membersAppendix 11 List of KK members' representative councilAppendix 12 Loans application form (No.KK/2)Appendix 13 Loan guarantor's form (No. KK/3)Appendix 14 Loan repayment (interest factor)Appendix 15 Cheque payment voucherAppendix 16 Daily collection sheetAppendix 17 Loan clearance formAppendix 18 Pay-in-slip (TPB bank)Appendix 19 Audited final accounts report for 2003
1CHAPTER I1.0 INTRODUCTIO N1.1 CB O backgroundWafanyakazi wa Posta na Simu Saving and Credit Cooperative Society (KK) of P.O Box3948, Dar-es-salaam wa s formed on 26 th October 197 6 with a registration no. DSR 118)The societ y starte d wit h 1 0 member s o f th e forme r Eas t Africa n Post s an dTelecommunication Corporation.In 1978 sometimes afte r the break of East African Community, members in each countryhad to chang e their by-law s where operation s wer e limite d only to respective membe rcountries. I n Tanzani a member s automaticall y fel l unde r Tanzani a Post s an dTelecommunications Corporation (TP&TC), which was formed after the collapse of thecommunity. TP&TC wa s then joined by other two related public corporations, suc h as,Tanzania Posta l Ban k an d Tanzani a Telecommunicatio n Commissio n (TTC ) no wTanzania Communication Regulatory Authority (TCRA). Late r on TP&TC brok e int oTanzania Telecommunicatio n Compan y Limite d (TTCL ) an d Tanzani a Posta lCorporation (TPC).1.1.1 Mission , Objectives and Activities/programs(a) Mission / Objectives/activitiesKK SACCO S does not have clear mission statement because their by-laws indicate onlythe objectives/activities.
Page 1: SOUTHERN NEW HAMPHSHIRE UNIVERSIT Y
Page 4 and 5: iiiDECLARATION:I, Kassian A. Mtey,
Page 6 and 7: ABSTRACTCooperative system s wer e
Page 8 and 9: viiABBREVIATIONACCOSCA Africa n Con
Page 10 and 11: ix2.3 Polic y review 4 3CHAPTER HI3
Page 15 and 16: 3(a) Identifyin g shortcomings, whi
Page 17 and 18: 5The societ y ha s neve r undertake
Page 19 and 20: 7(ii) Members participationMember's
Page 21 and 22: 9created through unity of different
Page 23 and 24: 11In Tanzania SACCOs are divided in
Page 25 and 26: 13Microfinance i s the provision of
Page 27 and 28: 15interruptions, cooperatives hav e
Page 29 and 30: 17and responsibilities of other sta
Page 31 and 32: 192.1.2 Developmen t of SACCOs in T
Page 33 and 34: 21savings mean t puttin g asid e so
Page 35 and 36: 23In som e rural areas especially a
Page 37 and 38: 25According t o Kironde , J.M.L (19
Page 39 and 40: 27(SACCOS) an d th e financia l Non
Page 41 and 42: 29died of malaria, would that stop
Page 43 and 44: 31A lo t have been written regardin
Page 45 and 46: 33Another SACCOs visited in this ca
Page 47 and 48: 35have yet to be developed. In gene
Page 49 and 50: 37(i) B e able to identif y trainin
Page 51 and 52: 39community in that area, their low
Page 53 and 54: 41To hi s opinion, there has bee n
Page 55 and 56: 43Many shortcoming s reporte d sho
Page 57 and 58: 45In respec t o f SACCOs, th e micr
Page 59 and 60: 47CHAPTER III3.0 RESEARCH METHODOLO
Page 61 and 62: 493.2 Research approach and strateg
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51(c) Pas t experienceHaving worke
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53The recommendation s wil l b e sh
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554.1.1 INSTITUTIONA L ASSESSMENTTh
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57to 41% . These parameter s were u
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59a) Administrativ e policies and p
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614.1.1.2 Material and human resour
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63SharesKK als o invested in shares
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65who are not members of the Board
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67KK ha s survived many years of po
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69KK executiv e chairman is clearly
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71In our study findings above, it w
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73For those who were not satisfied,
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75financial reports are prepared an
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77minutes of the past annual genera
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79For proper safe keeping of money,
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81Table 11: Opinion for non-members
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83cooperative rules, which states;
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85The following is the chart giving
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87Diversity of issued loan s i s ve
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89thinking of other economic develo
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91that from the salary received, he
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93The mone y requeste d t o b e wri
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95issued b y the Ban k o f Tanzania
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97KK charge s an interest of 1.5% p
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99activities an d se t targets . Fr
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1014.13.1 Finance and planning(a) A
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103information fo r financial state
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105In the study, when reviewing the
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107(a) 20% of net surplus eac h yea
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109year 1997 , 199 9 an d 2001 . Th
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Illcontinued wit h same tradition,
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113(ii) Hig h level cooperative ill
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115Management can set some categori
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117mismanagement o f powers and res
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119knowledge to generate more incom
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121In Tanzania , SACCOs hav e regis
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123If KK management wil l immediate
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125policy. Th e organizatio n need
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127In cas e situation becomes diffi
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129BibiiograhyAdam Mwandeng a (2000
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