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viiABBREVIATIONACCOSCA Africa n Confederatio n o f Cooperativ e Saving s an d Credi tAssociationsAGM Annual General MeetingBOT Bank of TanzaniaCIDA Canadian International Developmen t AgencyCOASCO Cooperativ e Audit and Supervision CorporationDANIDA Danis h International Assistanc eDFID Department for International Developmen t (United Kingdom)DID Desjardins International Developmen tFISEDA Financial Services and Development AssociationICA International Cooperativ e AllianceICA-ROECSA Internationa l Co-operativ e Allianc e - Regiona l Offic e fo r East ,Central and Southern Afric aIFAD International Fund for Agriculture DevelopmentKK A Kiswahil i wor d ("Kuweka na Kukopa") used b y member smeaning, "Wafanyahazi wa Posta na Simu Savings and CreditCooperative Society Limited".MCM Ministr y of Cooperatives and Marketing, United Republic of Tz .MFI Micro Finance InstitutionsPRS Poverty Reduction StrategySACCOS Saving s and Credit Cooperative SocietySCCULT Saving s and Credit Cooperative union League of TanzaniaSME Small and medium enterprisesTFC Tanzania Federation of CooperativesTTCL Tanzania Telecommunication Company LimitedTPB Tanzania Postal BankTPC Tanzania Posts CorporationWOCCU World council of credit unions
viiiTABLE OF CONTENTSSUPERVISOR'S CERTIFICATIO N iCOPYRIGHT iDECLARATION iDEDICATION iABSTRACT vACKNOWLEDGEMENT viABBREVIATIONS viiTABLEOF CONTENTS iiviixCHAPTER I1.0 INTRODUCTIO N 11.1 CB O background information 11.1.1 Mission/Objective s and activities/programs 11.2 Proble m statement 21.3 Researc h objectives 21.4 Researc h Questions/hypothesis 31.5 Rational e and significant of the study 31.6 Researc h scope and limitation of the study 41.7 Th e assignment 6CHAPTER I I2.0 LITERATUR E REVIE W 82.1 Theoretica l review 82.1.1 Emergenc e of cooperative societies 1 42.1.2 Developmen t of SACCOS in Tanzania 1 92.1.3 SACCO S as an appropriate Microfinance tool for poverty eradication 2 02.2 Empirica l review 3 0
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Page 4 and 5: iiiDECLARATION:I, Kassian A. Mtey,
Page 6 and 7: ABSTRACTCooperative system s wer e
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
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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
Page 117 and 118:
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
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
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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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