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128analysis o n monthl y basi s s o tha t i t maintain s th e require d provisionin g of loa nperformance rate of 5% (of betwee n 30-60 days).Success o n implementatio n o f al l recommende d issue s wil l depen d o n members 'understanding of their society's mission, goals, activities and roles they play towards itsgrowth. Whe n members feel s a s par t owner s o f the society , their participatio n willincrease and those with expertise on above issues can be requested t o assist, even at alittle fe e withou t consultin g an y outsid e sources , whic h will , otherwis e b e ver yexpensive. Time frame for implementation will depend on the timing of amendments butit i s recommende d tha t it shoul d not t o excee d on e year . A year i s enoug h tim e toprepare changes and also allow approval by the annual general meeting (AGM), whic h isthe supreme body of the society.
129BibiiograhyAdam Mwandeng a (2000) ; "Financial Institutions in Tanzania and povertyalleviation".Bikki Randhawa, Joselito Gallardo (2003): "Microfinance Regulation in Tanzania:Implications for Development and Performance of the Industry, Africa Region WorkingPaper Series No. 51"Claire Selltiz and others (1962); "Research methods in social sciences, p.50"DFID (2005) ; "Microfinance: A business opportunity for the private sector -Mainstreaming Microfinance in the UN Year of Microcredit 2005": InternationalSymposium January 25,2005Ed Frank (2001), "Readers: Research methods and techniques"Ellen Taylor - Powell , Sar a Steel (1996): "University of Wilconsin, cooperativeextention, "Collecting evaluation data: An overview of Sources and methods ".Hans H. Munkner (1984), "Towards adjusted pattern of cooperatives in developingcountries "IF AD (2003) ; "Interim Evaluation of Rural Financial Services Components:Smallholder Support Project in Zanzibar - Loan 242-TZ (2003)International Co-operativ e Alliance ; 15 , rout e de s Moriilons , 121 8 Grand -Saconnex, Geneva, Switzerland (1998): "ICA Co-op policy 9 'International Co-operativ e Alliance ; 15 , rout e de s Moriilons , 121 8 Grand -Saconnex, Geneva, Switzerland (1998): "A Community of Co-operators (updated) ",International Co-operativ e Alliance : Regiona l Offic e fo r East , Centra l an dSouthern Africa (ICA-ROECSA) , 2001 . "Report of a Survey of Rural Savings andCredit Co-operative Societies in Tanzania. (Fina l draft)".J.MXusugga Kironde: UCLAS(1992) - "Improving the low income-income's accessto public services through micro-finance-finance lending: The Tanzania experience".Kenneth Backlund (2003); "The value of savings and financial intermediaries inTanzania"
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SOUTHERN NEW HAMPHSHIRE UNIVERSIT Y
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iiiDECLARATION:I, Kassian A. Mtey,
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ABSTRACTCooperative system s wer e
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viiABBREVIATIONACCOSCA Africa n Con
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ix2.3 Polic y review 4 3CHAPTER HI3
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xiGraph 2; Planned loans for 2003 8
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3(a) Identifyin g shortcomings, whi
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5The societ y ha s neve r undertake
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7(ii) Members participationMember's
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9created through unity of different
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11In Tanzania SACCOs are divided in
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13Microfinance i s the provision of
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15interruptions, cooperatives hav e
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17and responsibilities of other sta
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192.1.2 Developmen t of SACCOs in T
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21savings mean t puttin g asid e so
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23In som e rural areas especially a
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25According t o Kironde , J.M.L (19
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27(SACCOS) an d th e financia l Non
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29died of malaria, would that stop
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31A lo t have been written regardin
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33Another SACCOs visited in this ca
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35have yet to be developed. In gene
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37(i) B e able to identif y trainin
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39community in that area, their low
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41To hi s opinion, there has bee n
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43Many shortcoming s reporte d sho
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45In respec t o f SACCOs, th e micr
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47CHAPTER III3.0 RESEARCH METHODOLO
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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
Page 89 and 90: 77minutes of the past annual genera
Page 91 and 92: 79For proper safe keeping of money,
Page 93 and 94: 81Table 11: Opinion for non-members
Page 95 and 96: 83cooperative rules, which states;
Page 97 and 98: 85The following is the chart giving
Page 99 and 100: 87Diversity of issued loan s i s ve
Page 101 and 102: 89thinking of other economic develo
Page 103 and 104: 91that from the salary received, he
Page 105 and 106: 93The mone y requeste d t o b e wri
Page 107 and 108: 95issued b y the Ban k o f Tanzania
Page 109 and 110: 97KK charge s an interest of 1.5% p
Page 111 and 112: 99activities an d se t targets . Fr
Page 113 and 114: 1014.13.1 Finance and planning(a) A
Page 115 and 116: 103information fo r financial state
Page 117 and 118: 105In the study, when reviewing the
Page 119 and 120: 107(a) 20% of net surplus eac h yea
Page 121 and 122: 109year 1997 , 199 9 an d 2001 . Th
Page 123 and 124: Illcontinued wit h same tradition,
Page 125 and 126: 113(ii) Hig h level cooperative ill
Page 127 and 128: 115Management can set some categori
Page 129 and 130: 117mismanagement o f powers and res
Page 131 and 132: 119knowledge to generate more incom
Page 133 and 134: 121In Tanzania , SACCOs hav e regis
Page 135 and 136: 123If KK management wil l immediate
Page 137 and 138: 125policy. Th e organizatio n need
Page 139: 127In cas e situation becomes diffi
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