Rural Outreach using community based SACCOS (DID model)

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Rural Outreach using community based SACCOS (DID
model)
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Summary

• Taxonomy of SACCOS Networks
• SACCOS Networks in the World
• SACCOS Networks in Africa
• Tanzania Case Dunduliza experience

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Taxonomy of SACCOS Networks

• Atomized Systems no or very low integration
• Consensual Networks medium level of integration
• Strategic Networks high level of integration

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Atomized System

• Representation
• Cooperative education
• Prudential services

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Consensual Networks

• Pooling of resources
• Standardization
• Market sharing
• Unique image

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Strategic Networks

• Separation of strategic and operational decision
  management
• Prudential supervision
• role (Inspection)
• Contractual solidarity

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STRATEGIC OR ATOMIZED

• Strategic networks perform better than atomized
  networks
• Market penetration
• Stability
• Financial efficiency
• Amplitudes of services
• Target clientele services

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SACCOS Networks in the World
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• 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.

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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

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Rural Outreach

• SACCOS have a relatively larger presence in rural
  areas

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SACCOS Networks in Africa
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Dunduliza network (Sept. 2008)
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Dunduliza rural network
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Whats Wrong in Tanzania

• NO NETWORKING
• QUANTITY NOT QUALITY
• LITTLE PROTECTION OF DEPOSITS
• CREDIT BEFORE SAVING

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AsanteThank youMerci
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