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Analysis of the Possibilities for Expansion of Services in Tanzanian Savings and CreditsCo-operative Societies: Learning from Economies of Scale

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dc.contributor.author Ndiege, Benson O.
dc.contributor.author Qin, Xuezhi
dc.contributor.author Massambu, Daud
dc.contributor.author Towo, Esther N.
dc.date.accessioned 2024-10-24T06:36:40Z
dc.date.available 2024-10-24T06:36:40Z
dc.date.issued 2015
dc.identifier.uri http://repository.mocu.ac.tz/xmlui/handle/123456789/1624
dc.description An Abstract en_US
dc.description.abstract Savings and Credit Co-operative Societies (SACCOS) increasingly recognized as the valuable tool for economic development in low-income countries. However, recently researchers reported that one of their primary challenges to their expansion is the high level of inefficient. In this study, we analyzed the relationship between growth and efficiency of SACCOS using economies of scale concept. Then we address the role of management of the capital structure and allocation of resources in the expansion of SACCOS. The study used financial statement data from 60 SACCOS in Tanzania for the period of 2004–2011. The findings supports that most of SACCOSare small and cost inefficient because the industry is young, but the efficiency increases as SACCOS expand. Second the allocation of resources in liquid, financial and non- financial investment leads to no expansion in SACCOS. Thus, the growth of SACCOS via increasing loan to members, members’ savings, shares, and institutional capital should be encouraged as it increases the efficiency of SACCOS. Also, SACCOS should minimize the allocation of assets in other investments which are different from creditto members. en_US
dc.language.iso en en_US
dc.publisher Annals of Public and Cooperative Economics en_US
dc.subject Economies en_US
dc.subject Scale en_US
dc.subject Efficiency en_US
dc.subject SACCOS en_US
dc.subject Tanzania en_US
dc.title Analysis of the Possibilities for Expansion of Services in Tanzanian Savings and CreditsCo-operative Societies: Learning from Economies of Scale en_US
dc.type Other en_US


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