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Title: :  Factors Affecting the Financial Performance of Savings and Credit Cooperative Societies in the Agricultural Communities in Morogoro District: A Case of Kinole SACCOS
PaperId: :  27867
Published in:   International Journal Of Advance Research And Innovative Ideas In Education
Publisher:   IJARIIE
e-ISSN:   2395-4396
Volume/Issue:    Volume 11 Issue 6 2025
DUI:    16.0415/IJARIIE-27867
Licence: :   IJARIIE is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Author NameAuthor Institute
John Chrisostom PeshaCatholic University of Mbeya

Abstract

Financial
SACCOS, Financial Performance, Quality Services, Agricultural Communities and Institutional Theory
This article examines factors affecting the financial performance of SACCOS in the agricultural communities in Morogoro district, at Kinole SACCOS, Tanzania. The study involved 100 respondents who possessed membership of Kinole SACCOS and key informants such as SACCOS leaders, district cooperative officers, and extension workers who were selected through simple random sampling and purposive sampling, respectively. Primary data were collected through questionnaires and key informants’ interviews. Quantitative data were analysed through SPSS version 20, and content analysis was used for analysing qualitative data. The findings reveal that the gender of respondents, education status, financial stability of SACCOS, managerial capacity of SACCOS’ leaders, and members’ capacity to pay loans were significant, implying their positive relationships with SACCOS’ financial performance. The paper concludes that the financial performance of SACCOS determines the quality of services being provided to their members. The paper recommends that the respective public agencies have to provide technical services to the available SACCOS in order to improve their policies, by-laws and financial regulations for the sake of improving the quality of financial services and boosting rural productive sectors.

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IJARIIE John Chrisostom Pesha. "Factors Affecting the Financial Performance of Savings and Credit Cooperative Societies in the Agricultural Communities in Morogoro District: A Case of Kinole SACCOS" International Journal Of Advance Research And Innovative Ideas In Education Volume 11 Issue 6 2025 Page 2153-2162
MLA John Chrisostom Pesha. "Factors Affecting the Financial Performance of Savings and Credit Cooperative Societies in the Agricultural Communities in Morogoro District: A Case of Kinole SACCOS." International Journal Of Advance Research And Innovative Ideas In Education 11.6(2025) : 2153-2162.
APA John Chrisostom Pesha. (2025). Factors Affecting the Financial Performance of Savings and Credit Cooperative Societies in the Agricultural Communities in Morogoro District: A Case of Kinole SACCOS. International Journal Of Advance Research And Innovative Ideas In Education, 11(6), 2153-2162.
Chicago John Chrisostom Pesha. "Factors Affecting the Financial Performance of Savings and Credit Cooperative Societies in the Agricultural Communities in Morogoro District: A Case of Kinole SACCOS." International Journal Of Advance Research And Innovative Ideas In Education 11, no. 6 (2025) : 2153-2162.
Oxford John Chrisostom Pesha. 'Factors Affecting the Financial Performance of Savings and Credit Cooperative Societies in the Agricultural Communities in Morogoro District: A Case of Kinole SACCOS', International Journal Of Advance Research And Innovative Ideas In Education, vol. 11, no. 6, 2025, p. 2153-2162. Available from IJARIIE, https://ijariie.com/AdminUploadPdf/Factors_Affecting_the_Financial_Performance_of_Savings_and_Credit_Cooperative_Societies_in_the_Agricultural_Communities_in_Morogoro_District__A_Case_of_Kinole_SACCOS_ijariie27867.pdf (Accessed : ).
Harvard John Chrisostom Pesha. (2025) 'Factors Affecting the Financial Performance of Savings and Credit Cooperative Societies in the Agricultural Communities in Morogoro District: A Case of Kinole SACCOS', International Journal Of Advance Research And Innovative Ideas In Education, 11(6), pp. 2153-2162IJARIIE [Online]. Available at: https://ijariie.com/AdminUploadPdf/Factors_Affecting_the_Financial_Performance_of_Savings_and_Credit_Cooperative_Societies_in_the_Agricultural_Communities_in_Morogoro_District__A_Case_of_Kinole_SACCOS_ijariie27867.pdf (Accessed : )
IEEE John Chrisostom Pesha, "Factors Affecting the Financial Performance of Savings and Credit Cooperative Societies in the Agricultural Communities in Morogoro District: A Case of Kinole SACCOS," International Journal Of Advance Research And Innovative Ideas In Education, vol. 11, no. 6, pp. 2153-2162, Nov-Dec 2025. [Online]. Available: https://ijariie.com/AdminUploadPdf/Factors_Affecting_the_Financial_Performance_of_Savings_and_Credit_Cooperative_Societies_in_the_Agricultural_Communities_in_Morogoro_District__A_Case_of_Kinole_SACCOS_ijariie27867.pdf [Accessed : ].
Turabian John Chrisostom Pesha. "Factors Affecting the Financial Performance of Savings and Credit Cooperative Societies in the Agricultural Communities in Morogoro District: A Case of Kinole SACCOS." International Journal Of Advance Research And Innovative Ideas In Education [Online]. volume 11 number 6 ().
Vancouver John Chrisostom Pesha. Factors Affecting the Financial Performance of Savings and Credit Cooperative Societies in the Agricultural Communities in Morogoro District: A Case of Kinole SACCOS. International Journal Of Advance Research And Innovative Ideas In Education [Internet]. 2025 [Cited : ]; 11(6) : 2153-2162. Available from: https://ijariie.com/AdminUploadPdf/Factors_Affecting_the_Financial_Performance_of_Savings_and_Credit_Cooperative_Societies_in_the_Agricultural_Communities_in_Morogoro_District__A_Case_of_Kinole_SACCOS_ijariie27867.pdf
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