86Table 15: Analysis o f Planned loans for the year 2003(TSHS)NO. OF APPLICATION LOANS PAID PERCENTAGE (% )TYPE OF LOAN MEN WOMEN TOTAL MEN WOMEN TOTALBUILDING 751 424 1,175 1,622,582,000 789,720,000 2,412,302,000 77.74EDUCATION 119 120 239 191,565,000 177,721,000 369,286,000 11.90AGRICULTURE 16 15 31 25,900,000 22,310,000 48,210,000 1.55MEDICAL 30 11 41 59,820,000 22,120,000 81,940,000 2.65BUSINESS 9 5 14 20,320,000 8,050,000 28,370,000 .90OTHERS 53 39 92 105,105,000 57,790,000 162,895,000 5.25TOTAL 978 614 1,592 2,025,292,000 1,077,711,000 3,103,003,000 100Source: KK SACCOS AGM held on 18f h December 2004The followin g grap h gives a true picture of the situation-Graph 2: Planned loans for 2003Adopted fromcompiled notes
87Diversity of issued loan s i s very high, buildin g consumin g more tha n thre e quarter s(77.74%) o f KK tota l loa n portfolio. Management ha s neve r take n an y initiativ e toreduce the disparity of such gap. Business and agriculture, which were expected to leadother components, together accounted for 2.45%.For yea r 2004 , dat a availabl e (u p t o 30 th Novembe r 2004) show s tha t 7,42 1 loan samounting to Tshs. 3,432,162,903/= hav e been issued to members. Out of 7,421 loansapplied for, emergence loans were 6,270 (DSM 3347 and Branches 2939) accounting for84.49% of all loan s applications. Value of the sam e loan s was Tshs. 1,683,150,194/ =(DSM Tshs.906,570,194/= and branches Tshs.776,580,000/=) or 49.04% of Total loanspaid. Application for planned loans were 1151 only or 15.59% but with a value of Tshs.1,685,110,809/=, accountin g fo r 49.25% , whil e educatio n loan s pai d directl y t oschools/colleges were 147 with a value of 63,901,900/=, accounting for 1.86%.Table 16: Analysis of Planned loans from January to November 2004(TSHS)NO. OF APPLICATION LOANS PAID PERCENTTYPE OF LOAN MEN WOMEN TOTAL MEN WOMEN TOTALAGE (% )BUILDING 421 263 684 726,650,000 490,730,000 1,217,380,000 72.24EDUCATION 73 62 135 113,550,000 93,530,000 207,080,000 12.29AGRICULTURE 32 22 54 31,000,000 24,720,000 55,720,000 3.31MEDICAL 19 9 28 33,230,000 16,800,000 50,030,000 2.97BUSINESS 9 3 12 19,430,000 3,300,000 22,730,000 1.35OTHERS 54 21 75 95,170,809 37,000,000 132,170,809 7.84TOTAL 608 380 988 1,019,030,809 666,080,000 1,685,110,809 100Source: KK AGM held on 18 th December 2004Referring to above table, planned loans were 988 valuing Tshs. 1,685,110,809/= wher emen accounted for 61.5% of all planned loans in that category and women were 38.5%.
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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
- 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
- Page 63 and 64: 51(c) Pas t experienceHaving worke
- Page 65 and 66: 53The recommendation s wil l b e sh
- Page 67 and 68: 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
- Page 75 and 76: 63SharesKK als o invested in shares
- Page 77 and 78: 65who are not members of the Board
- Page 79 and 80: 67KK ha s survived many years of po
- Page 81 and 82: 69KK executiv e chairman is clearly
- Page 83 and 84: 71In our study findings above, it w
- Page 85 and 86: 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: 85The following is the chart giving
- 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 and 140: 127In cas e situation becomes diffi
- Page 141 and 142: 129BibiiograhyAdam Mwandeng a (2000
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