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Rural Outreach using community based SACCOS (DID model)

Rural Outreach using community based SACCOS (DID model). Summary . Taxonomy of SACCOS Networks SACCOS Networks in the World SACCOS Networks in Africa Tanzania Case: Dunduliza experience. Taxonomy of SACCOS Networks. Atomized Systems: no or very low integration;

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Rural Outreach using community based SACCOS (DID model)

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  1. Rural Outreach using community based SACCOS (DID model)

  2. Summary Taxonomy of SACCOS Networks SACCOS Networks in the World SACCOS Networks in Africa Tanzania Case: Dunduliza experience

  3. Taxonomy of SACCOS Networks • Atomized Systems: no or very low integration; • Consensual Networks: medium level of integration • Strategic Networks: high level of integration

  4. Atomized System Representation Cooperative education Prudential services

  5. Consensual Networks Pooling of resources Standardization Market sharing Unique image

  6. Strategic Networks Separation of strategic and operational decision management Prudential supervision role (Inspection) Contractual solidarity

  7. STRATEGIC OR ATOMIZED Strategic networks perform better than atomized networks: • Market penetration • Stability • Financial efficiency • Amplitudes of services • Target clientele services

  8. SACCOS Networks in the World

  9. SACCOS Networks contribute to a functional financial system • Financial system that presents a diversified institutional structure, including SACCOS will be more efficient in promoting economic growth and reduced poverty.

  10. Rural Outreach • Germany: Sparkassen and Raiffeisen control 60% of financial assets and serve 70 million clients • Québec: 5.2 million members (population 7.5 M) and over 40% in term of assets

  11. Rural Outreach SACCOS have a relatively larger presence in rural areas

  12. SACCOS Networks in Africa

  13. Dunduliza network (Sept. 2008)

  14. Dunduliza rural network

  15. What’s Wrong in Tanzania • NO NETWORKING • QUANTITY NOT QUALITY • LITTLE PROTECTION OF DEPOSITS • CREDIT BEFORE SAVING

  16. Money serving people AsanteThank youMerci

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