THE CONTRIBUTION OF SAVING AND CREDIT COOPERATIVES IN IMPROVING THE SOCIO-ECONOMIC WELFARE OF ITS MEMBERS A CASE STUDY: ZIGAMA UTERIMBERE SACCO GISOZI PERIOD: 2020-2023

Abstract

The aim of this study is to analyze the contribution of saving and credit cooperatives in improving the socio-economic welfare of its members, a case study: zigama uterimbere SACCO Gisozi, period: 2020-2023. Te objective of the study is to analyze the effectiveness of services offered by UMURENGE SACCO Gisozi, to determine the contribution of UMURENGE SACCO Gisozi for improving the welfare of its members. This study contains different four chapters and different subchapters which are as follows.Chapter one general Introduction: general introduction which discusses about key component which are; introductions, background of the study, objectives, problem statement, scope of the study, organization of the study. The second chapter discuss the literature review of the study, the literature review provides information on impact of SACCO to improve welfare of its members. The third chapter is research methodology point out, research design, populations of the study, sample size, methods and techniques that will use to obtain data and information from the field. Sample size of this study is 93 respondents from the members of SACCO GISOZI ZIGAMA UTERIMBERE, this study also used techniques of data collections an methods of data analysis. The fourth chapter present presentation analysis of the findings and interpretation that provide the answers to the research questions of the study or results of tests of the hypotheses. At the end this study end by

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the Conclusion and suggestions. With data collected from the field and after analysis Table 4.6 present information on how SACCO GISOZI ZIGAMA UTERIMBERE help members to get different asset from services delivery, mean of respondents 4.6129 and Std. Deviation of respondents is .4897, with the data collected from respondents researcher confirmed that SACCO GISOZI ZIGAMA UTERIMBERE help members to get different asset from services delivery. Table 4.7 present the data on how services offered by SACCO GISOZI ZIGAMA UTERIMBERE effectively done, mean of respondents is 4.2258 and Std. Deviation is .42038 researcher confirmed that services offered by SACCO GISOZI ZIGAMA UTERIMBERE effectively done to its members. Based on the finding the researcher would suggest that SACCO Zigama Uterimbere Gisozi could establish the followings issues that help to increase socio welfare of its members: create other branches in Gisozi sector, continue to educate the local government to help in marketing of its services.