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iiiDECLARATION:I, Kassian A. Mtey, declare that this report for partial fulfillment o f the requirement forMaster of Science - Communit y Economic Development is based on my own efforts andsolely done by myself unless quoted for learning purposes a s it has been stated. I alsodeclare that this work has not been presented and shall not be presented at any universityor Institution for similar purposes.Kassian A. MteyJanuary 2005
ivDEDICATIONThis wor k i s dedicate d m y belove d famil y wh o gav e m e unlimite d suppor t an dencouragement whil e pursuin g th e Maste r o f Scienc e i n Communit y EconomicDevelopment (Ms c - CED) course . Specia l thanks ar e extende d t o m y two wonderfulchildren, Kennedy and Jennifer, wh o were ver y understanding an d tolerant t o frequen tuncomfortable situation s resultin g from missing their parent's ultimate affectio n whenundertaking such an involving course.Lastly, I extend m y sincere gratitud e t o m y lovely wif e Jane , wh o apart from being astudent o f th e Ms c - CE D of th e sam e intake , coul d no t abando n he r motherl yresponsibilities to the family . Sh e worked hard to put things right and in balance all theway.May GOD bless them all.
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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 12 and 13: xiGraph 2; Planned loans for 2003 8
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
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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
Page 69 and 70:
57to 41% . These parameter s were u
Page 71 and 72:
59a) Administrativ e policies and p
Page 73 and 74:
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,
Page 87 and 88:
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
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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
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
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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
Page 141 and 142:
129BibiiograhyAdam Mwandeng a (2000
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