Challenges and prospects of saving and credit cooperatives in South Wolo Zone, Amhara Region, Ethiopia

The case of Kalu Woreda saving and credit cooperatives

Masterarbeit , 2014 , 86 Seiten , Note: B+

BWL - Sonstiges

Saving and Credit Cooperatives (SACCOs) are the main financial solution of the people who have low income level. But they have their own challenges that retard their financial solution to their members and the economical contribution to a country. In Kalu Woreda, the development of SACCOs is low due to the existence of different challenges. The research design is cross sectional descriptive research. Primary and secondary sources of data were used. Stratified systematic random probability sampling methods were employed to select the sample respondents. The collected data were analyzed by descriptive statistical methods & simple index model analysis methods. Lack of knowledge and capacity of management committees and poor members’ participation, lack of transparency and accountability, lack of appropriate support from cooperative promoters and NGOs, and non awareness of the existing opportunities by the members are the main findings. Providing member driven services, providing appropriate training, education, and information to all stakeholders, and recommending Micro Financial Institutions to give up their unfair competition with cooperatives are the possible recommendations.
Key words: challenges, prospects, saving, credit, and cooperatives.

Inhaltsverzeichnis (Table of Contents)

• ACKNOWLEDGEMENT
• TABLE OF CONTENTS
• LIST OF TABLES
• ACRONYMS AND ABREVIATIONS
• ABSTRACT
• CHAPTER ONE: INTRODUCTION
• 1.1. Background of the Study
• 1.2. Statement of the Problem
• 1.3. Objectives of the Study
• 1.3.1. General Objective
• 1.3.2. The Specific Objectives
• 1.4. Research Questions
• 1.5. Scope of the Study
• 1.6. Significance of the study
• 1.7. Definition of Terms and Concepts
• 1.8. Limitations and Problems of the Study
• 1.9. Organization of the Report
• CHAPTER TWO: LITERATURE REVIEW
• 2.1. Introduction
• 2.2. Review of Theoretical Studies
• 2.2.1. Concept of Cooperatives in General and SACCOs in Particular
• 2.2.2. Cooperative Values and Principles
• 2.2.3. The Role of SACCOs in Poverty Alleviation
• 2.2.4. Theoretical Problems of Saving and Credit Cooperatives
• 2.2.5. Theoretical Challenges of SACCOs in Financial Transactions
• 2.2.6. Cooperative Movement in Ethiopia
• 2.2.7. The Role of SACCOs in Kalu Woreda
• 2.3. Review of Empirical Studies on the challenges and prospects of SACCOS
• 2.3.1. Empirically Observed challenges or problems of SACCOS
• 2.3.2. Empirical Studies Conducted on the Challenges & Prospects of SACCOs in Ethiopia
• 2.3.2.1. Studies on Internal and External Challenges of SACCOS
• 2.3.2.2. Studies on Challenges of Members Participation in SACCOS
• 2.3.2.3. Challenges of SACCOs to Provide the Required Services
• 2.3.2.4. Studies on Prospects of SACCOS
• 2.4. Summary of the Review of Related Literature
• CHAPTER THREE: METHODOLOGY
• 3.1. Description of the Study Area
• 3.2. Research Design and Approach
• 3.3. Population, Sample Size and Sampling Technique
• 3.3.1. Population
• 3.3.2. Sample size and Sampling Technique
• 3.4. Types and Sources of Data and Data Collection Methods
• 3.4.1. Types and Sources of Data
• 3.4.2. Data Collection Instruments
• 3.5. Data Collection Procedures
• 3.6. Method of Data Analysis
• 3.7. The Narrative Structure and Ethical Issues
• 3.8. Variables in the Study
• CHAPTER FOUR: RESULTS AND DISCUSSIONS
• 4.1. Introduction
• 4.2. Demographic Characteristics of Respondents
• 4.2.1. Sex of the Respondents
• 4.2.2. Age of the Respondents
• 4.2.3. Family Size of the Respondents
• 4.2.4. Marital Status of Respondents
• 4.2.5. Religion of the Respondents
• 4.2.6. Educational Status of the Respondents
• 4.2.7. Occupational Status of the Respondents
• 4.2.8. Membership Duration in SACCOS?
• 4.3. Challenges and Prospects of SACCOS
• 4.3.1. Internal & External Challenges on the Performance of SACCOS'
• 4.3.2. Challenges of Members' Participation
• 4.3.3. Challenges of SACCOS during Services Delivery
• 4.3.3.1. Transparency & Accountability during service delivery
• 4.3.3.2. Perception of Members' Satisfaction on the Following Services
• 4.3.3.3. Perception of Members on the loan processing and Repayment period
• 4.3.3.4. Perception on Continuous Consultation & Training Services
• 4.4. Prospects of SACCOS
• 4.5. Support of SACCOS' Promoters and NGOs
• 4.6. Interview Results about Challenges and Prospects of SACCOS
• 4.6.1. Interview Result about Challenges of SACCOS
• 4.6.2. Interview Result about the Prospects of SACCOS
• 4.7. Summary of the Individual Respondents and Discussion Groups
• CHAPTER FIVE: CONCLUSIONS & RECOMMENDATIONS
• 5.1. Introduction
• 5.2. Conclusions
• 5.3. Recommendations
• 5.4. Suggestions for Future Research
• REFERENCES
• APPENDIXES

Zielsetzung und Themenschwerpunkte (Objectives and Key Themes)

This thesis aims to investigate the challenges and prospects of saving and credit cooperatives (SACCOS) in the South Wollo Zone, Amhara Region, Ethiopia, focusing on the case of Kalu Woreda. The study seeks to understand the internal and external factors affecting the performance of SACCOS, analyze the challenges faced by members in their participation, and explore the challenges encountered during service delivery. The research also examines the prospects of SACCOS in the region and the support provided by promoters and NGOs.

• Challenges and Prospects of Saving and Credit Cooperatives (SACCOS)
• Internal and External Factors Affecting SACCOS Performance
• Challenges of Member Participation in SACCOS
• Challenges of Service Delivery by SACCOS
• Prospects of SACCOS in the South Wollo Zone

Zusammenfassung der Kapitel (Chapter Summaries)

Chapter One introduces the background of the study, outlining the significance of SACCOS in Ethiopia and the specific context of Kalu Woreda. It defines the research problem, objectives, and research questions. The chapter also discusses the scope, significance, and limitations of the study.

Chapter Two presents a comprehensive review of relevant literature on cooperatives, SACCOS, and their role in poverty alleviation. It explores theoretical concepts, cooperative values and principles, and the challenges faced by SACCOS in financial transactions. The chapter also examines the cooperative movement in Ethiopia and the role of SACCOS in Kalu Woreda. It further analyzes empirical studies on the challenges and prospects of SACCOS, including studies on internal and external challenges, member participation, service delivery, and the prospects of SACCOS in Ethiopia.

Chapter Three details the methodology employed in the study, including the research design, population, sample size, sampling technique, data collection methods, and data analysis procedures. It describes the study area, the variables investigated, and the ethical considerations involved in the research.

Chapter Four presents the results of the study, analyzing the demographic characteristics of respondents and exploring the challenges and prospects of SACCOS in Kalu Woreda. It examines the internal and external challenges faced by SACCOS, the challenges of member participation, and the challenges encountered during service delivery. The chapter also discusses the prospects of SACCOS and the support provided by promoters and NGOs.

Schlüsselwörter (Keywords)

The keywords and focus themes of the text include saving and credit cooperatives (SACCOS), challenges, prospects, financial inclusion, poverty alleviation, member participation, service delivery, transparency, accountability, Ethiopia, South Wollo Zone, Kalu Woreda, and cooperative movement.

• Veranstaltung: Management
• Note: B+
• Autor: Ergetew Temeche (Autor:in)
• Erscheinungsjahr: 2014
• Seiten: 86
• Katalognummer: V284706
• ISBN (eBook): 9783656843948
• ISBN (Buch): 9783656843955
• Sprache: Englisch
• Schlagworte: challenges, south, wolo, zone, amhara, region, ethiopia, kalu, woreda