Analysis of factors behind credit risk in Tanzanians SACCOS: A Case of Hazina SACCOS in Dar es salaam, Tanzania
| dc.contributor.author | Mwamsojo, Ndabiti Tunkete | |
| dc.date.accessioned | 2024-04-09T08:13:00Z | |
| dc.date.available | 2024-04-09T08:13:00Z | |
| dc.date.issued | 2017-09-28 | |
| dc.description.abstract | This study focuses on the factors for credit risk at Hazina SACCOS, Dar es Salaam, Tanzania. It basically attempts to address three specific objectives namely; factors for credit risk at Hazina SACCOS in Dar es Salaam, the effects of credit risk at Hazina SACCOS and measure for dealing with credit risk at Hazina SACCOS. This study employed a case study design to collect information from 86 respondents. The findings show that credit risk is contributed by existing difficult business environment, that reported to depend on the business in terms of type and environment. It has also been observed that credit risk at SACCOS resulted into reduced SACCOS outstanding cash, and the need for controlled lending policies and procedures, and ability of SACCOS members through the management to control credit issuance and collection. The factors for credit risk were presented. The credit risk was associated with reduced SACCOS outstanding cash and reduced members confidence to save and shortage of SACCOS capital. The credit risk, SACCOS is faced with problems associated with cash and liquidity. The ability of credit risk to influence investment of members at Hazina SACCOS the ability of credit risk to influence investment of SACCOS credit risk is an obstacle to SASCCOS investment and saving from its members. It has been strongly affirmed that credit risk is contributed by existing difficult business environment. The credit risk there should be well controlled lending procedures, and ability of SACCOS members through the management to control the credit. SACCOS management is required to improve procedures and strategies to control credit provision based on the lending procedures. | |
| dc.identifier.uri | https://repository.sjut.ac.tz/handle/123456789/67 | |
| dc.language.iso | en | |
| dc.publisher | St John's University of Tanzania | |
| dc.title | Analysis of factors behind credit risk in Tanzanians SACCOS: A Case of Hazina SACCOS in Dar es salaam, Tanzania | |
| dc.type | Thesis |
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