Research Articles: Recent submissions

  • Potentials and challenges for the growth of Co-operative societies in Tanzania 
    Kumburu, Neema.; Hizza, Ernest.; Namwata, Baltazary.; Kazungu, Isaack. (Moshi Co-operative University (MoCU), 2025)
    Co-operatives in Tanzania, particularly in the agriculture sector, hold significant potential for economic empowerment, social inclusion, and sustainable development. By pooling resources, co-operatives help improve the ...
  • Formalization of informal digital savings and lending associations: 
    Ngowi, Alex.; Msanya, Noela.; Kitururu, Emanuel.; Mbonyo, Mariam. (Moshi Co-operative University (MoCU), 2025)
    Social media-based digitally informal savings and lending associations (DISLAs) are growing rapidly, indicating a shift in collective financial behaviour. The sustainability and operational concerns arise from this ...
  • Cooperative-led growth and Institutional quality: 
    Joseph, Godfrey J.; Sife, Alfred S. (Moshi Co-operative University (MoCU), 2025)
    The role of cooperatives in fostering inclusive growth is unevenly distributed across countries and regions. This disparity is gauged by the World Cooperative Monitor (WCM) data which shows the top 300 performing ...
  • Co-operative 5.0: leveraging the fifth industrial revolution for sustainable Co-operatives 
    Matto, George.; Mghweno, Ezekiel. (Moshi Co-operative University (MoCU), 2025)
    The Fifth Industrial Revolution, also known as industry 5.0 or 5IR, presents a fundamental opportunity to transform the global economic landscape by integrating human capabilities with cutting-edge technologies. Leveraging ...
  • Demutualization of Cooperative Bank for sustainable development: 
    Sambuo, Damian B. (Moshi Co-operative University (MoCU), 2025)
    The revitalize and emerging of the National cooperative bank of Tanzania during the year 2025 in financing cooperative societies and members against various challenges is subject to sustainability mechanism. The ...
  • Value-Added Cooperative model in renewable energy investment: 
    Rwekaza, Gratian C.; Kinabo, Frank. (Moshi Co-operative University (MoCU), 2025)
    The Fifth The cooperative investment model in renewable energy presents a transformative opportunity for citizen-led participation in the global energy transition. This paper investigates the added value of cooperative ...
  • The Government-controlled Cooperatives, A strong model for Cooperative establishment? A Re-thinking from African Cooperatives: 
    Rwekaza, Gratian C.; Onduko, Enock M. (Moshi Co-operative University (MoCU), 2025)
    The history of Africa cooperative has been influenced by government policy and registration to the extent that even when it comes to the promotion of new cooperatives. The paper examined two questions; how government had ...
  • The Gendered Cooperative and awareness: 
    Rwekaza, Gratian C.; Mwela, John. (Moshi Co-operative University (MoCU), 2025)
    Global awareness of the gendered nature of cooperative movements recognizes that gender equality is a crucial, yet often overlooked. This paper assesses the three components which were; Women status on cooperative business ...
  • Determinants of financial sustainability in saving and credit Cooperative societies (Saccos) in Tanzania 
    Rwekaza;, Gratian C.; Chikoyo, Rashid A.; Swai, Albert O. (Moshi Co-operative University (MoCU), 2025)
    The paper assessed the determinants of Saving and Credit Cooperative Societies (SACCOS) policies on financial sustainability, with evidence from registered SACCOS in Hai District, Tanzania. Specifically, the study ...
  • Cooperative Tribalism in Tanzania: 
    Rwekaza, Gratian C. (Moshi Cooperative University (MoCU), 2025)
    Cooperative tribalism was found to be one among elements that shapes the majority of cooperative members in managing the cooperative business and guiding decision making; however, it had been silent on how tribal ...
  • Agriculture marketing cooperatives roles in enhancing food security resilient in Africa,: 
    Rwekaza, Gratian C.; Chikoyo, Rashid A. (Moshi Cooperative University (MoCU), 2025)
    Agricultural cooperatives play a crucial role in ensuring food security, particularly for smallholder farmers in developing countries. The global growing population leads to food security challenges; cooperatives have a ...
  • Climate-smart agriculture practices adoption among smallholder coffee farmers 
    Kiwelu, Leonard K.; Njau, Luka S. (Moshi Co-operative University, 2025)
    Climate change remains one of the most urgent en vironmental challenges globally, with agriculture among the sectors most adversely affected. In Tanzania, the coffee in dustry is particularly vulnerable, with climate-related ...
  • Climate resilience in Tanzanian farming cooperatives 
    Kimaro, Beatrice J.; Kilonzo, Rehema G.; Matunga, Benta N. (Moshi Co-operative University, 2026)
    Smallholder irrigation schemes in Morogoro, Tanzania, underpin rice-based farming systems, which are further sup ported by maize, cassava, and small-scale trade. These households face recurrent flooding, waterlogging, and ...
  • Agenda on cooperatives for development cooperation in Tanzania 
    Sumelius, John.; Tenaw, S.; Bee, Faustine.K; Chambo, S (Moshi Cooperative University, 2014)
  • Contribution of women development fund to women economic empowerment in Moshi Municipality, Tanzania 
    Mlay, Hudson P. (Moshi Co-perative University, 2023)
    The study centered on assessing the contribution of women development fund (WDF) to women economic empowerment in Moshi Municipal. The study specifically intended to examine the awareness of women group members on WDF, ...
  • Assessing The Quality of Life and Life Satisfaction of Workers 
    Olabis, Ridwan.Y; Dauda, Jimoh.I; Bashir, Muhammad.O (University of Ilorin, 2025)
    Employee well-being and life satisfaction are widely recognized as critical determinants of organizational performance, yet empirical research focusing on Nigeria’s manufacturing sector, particularly edible oil ...
  • Financial Cooperatives in Tanzania 
    Zakayo, E; Ndiege, B; Rwezaula, A (Moshi Co-operative University, 2025)
    Financial cooperatives have garnered significant attention from scholars and stakeholders due to their pivotal role in promoting financial inclusion. By offering affordable, accessible, and community focused financial ...
  • Mobile Technology’s Role in Enhancing Financial Security and Inclusion: Evidence from M-KOBA in Tanzania 
    Ndiege, B; Zakayo, E; Nakamo, S (Moshi Co-operative University, 2025)
    Community Microfinance Groups (CMGs) operate on community trust rather than digital transactions, leading to challenges such as mismanagement of funds and difficulties accessing financial services when members relocate. ...
  • Factors Influencing Youth Participation in Agricultural Co-operative Societies in the Northern Region of Burundi 
    Ndereyimana, R; Kimaro, Prosper.J (Moshi Co-operative University, 2025)
    The active participation of youth in Agricultural Co-operative Societies (ACS) is essential for advancing both co-operative development and socio-economic growth. However, their involvement remains low. This study ...
  • Global Climate Change and Free Market Economy 
    Njau, Luka S.; Kumburu, Neema (Taylor & Francis Online, 2024)
    The world is changing due to the change in climate. Climate change translates into a change in our way of life. As countries change to become more industrialized and increase the production of goods, such industries ...

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