{"id":{"repo_id":"ou-tanzania","oai_identifier":"oai:repository.out.ac.tz:788"},"canonical_url":"https://search.dev.ndltd.org/etd/ou-tanzania/oai:repository.out.ac.tz:788","repository":{"repo_id":"ou-tanzania","name":"Open University of Tanzania","base_url":"http://repository.out.ac.tz/cgi/oai2"},"display":{"title":"An Assessment of Savings and Credit Groups on Poverty Reduction: A Case of Rural Households in North Unguja”,","abstract":"The study was conducted in North Unguja, Zanzibar focussing on informal rural groups, formed by the community members to reduce poverty at the household level. The study used a sample of 204 respondents, and used a cross sectional research design. The specific objectives of the study were to determine the uses of financial services provided by the groups, the impact of shares on total household income and challenges faced by the group members in the fight against poverty. Using two regression models, multiple linear and logistic regressions, the research found out that Saving and Credits Groups (SACGs) benefit the community in terms of increase in the levels of income. A larger number of households who got loans from informal institutions were able to competently manage their businesses. For instance, SACGs funds used for paying children fees, solving household expenses and replenishing other loans among other uses. Challenges faced by the households were types of investment to operate shortage of funds experienced by SACGs, poor infrastructure (road, network, and commercial activities) affecting communication. Others were the increased formal micro credit institutions, posing competitions to informal institutions. Taken into one, this proves that informal financial institutions play an important role in poverty reduction in the rural areas. Developing and improving, these groups can be an effective alternative to formal commercial banks. All in all, if run properly with structured coordination and seriousness these groups can act as good mechanisms for poverty reduction in the rural communities in Zanzibar.","abstract_html":"The study was conducted in North Unguja, Zanzibar focussing on informal rural groups, formed by the community members to reduce poverty at the household level. The study used a sample of 204 respondents, and used a cross sectional research design. The specific objectives of the study were to determine the uses of financial services provided by the groups, the impact of shares on total household income and challenges faced by the group members in the fight against poverty. Using two regression models, multiple linear and logistic regressions, the research found out that Saving and Credits Groups (SACGs) benefit the community in terms of increase in the levels of income. A larger number of households who got loans from informal institutions were able to competently manage their businesses. For instance, SACGs funds used for paying children fees, solving household expenses and replenishing other loans among other uses. Challenges faced by the households were types of investment to operate shortage of funds experienced by SACGs, poor infrastructure (road, network, and commercial activities) affecting communication. Others were the increased formal micro credit institutions, posing competitions to informal institutions. Taken into one, this proves that informal financial institutions play an important role in poverty reduction in the rural areas. Developing and improving, these groups can be an effective alternative to formal commercial banks. All in all, if run properly with structured coordination and seriousness these groups can act as good mechanisms for poverty reduction in the rural communities in Zanzibar.","abstract_has_math":false,"creators":["Shauri, Yahya Mohammed"],"institution":"The Open University of Tanzania","degree_name":null,"degree_level":"masters","degree_discipline":null,"degree_department":null,"school":null,"contributors":[],"advisors":[],"committee_chairs":[],"committee_members":[],"year":2014,"date_issued":"2014","date_published":"2014","updated_at":"2026-07-24T03:40:08Z","subjects":["658 Gerneral management"],"languages":["en"],"rights":[],"rights_urls":[],"identifier_entries":[]},"links":{"outbound_url":null,"outbound_label":null,"outbound_source":null},"metadata_groups":[{"id":"people","label":"People","entries":[{"key":"dc:creator","label":"Author","values":["Shauri, Yahya Mohammed"]}]},{"id":"academic_context","label":"Academic Context","entries":[{"key":"dc:date","label":"Dc Date","values":["2014"]},{"key":"dc:date.issued","label":"Date","values":["2014"]},{"key":"dc:publisher.department","label":"Dc Publisher Department","values":["Leadership and Governance"]},{"key":"dc:publisher.institution","label":"Dc Publisher Institution","values":["The Open University of Tanzania"]},{"key":"dc:relation.isreferencedby","label":"Dc Relation Isreferencedby","values":["http://repository.out.ac.tz/788/"]},{"key":"dc:type","label":"Dc Type","values":["Thesis"]},{"key":"dc:type.qualificationlevel","label":"Dc Type Qualificationlevel","values":["masters"]}]},{"id":"subjects_keywords","label":"Subjects and Keywords","entries":[{"key":"dc:subject","label":"Dc Subject","values":["658 Gerneral management"]}]},{"id":"language_rights","label":"Language and Rights","entries":[{"key":"dc:language","label":"Dc Language","values":["en"]}]},{"id":"identifiers","label":"Identifiers","entries":[{"key":"dc:identifier.uri","label":"Identifier URI","values":["http://repository.out.ac.tz/788/1/DISSERTATION_-_MCHOVU_FINAL.pdf"]}]},{"id":"additional","label":"Additional Metadata","entries":[{"key":"dc:description.abstract","label":"Abstract","values":["The study was conducted in North Unguja, Zanzibar focussing on informal rural groups, formed by the community members to reduce poverty at the household level. The study used a sample of 204 respondents, and used a cross sectional research design. The specific objectives of the study were to determine the uses of financial services provided by the groups, the impact of shares on total household income and challenges faced by the group members in the fight against poverty. Using two regression models, multiple linear and logistic regressions, the research found out that Saving and Credits Groups (SACGs) benefit the community in terms of increase in the levels of income. A larger number of households who got loans from informal institutions were able to competently manage their businesses. For instance, SACGs funds used for paying children fees, solving household expenses and replenishing other loans among other uses. Challenges faced by the households were types of investment to operate shortage of funds experienced by SACGs, poor infrastructure (road, network, and commercial activities) affecting communication. Others were the increased formal micro credit institutions, posing competitions to informal institutions. Taken into one, this proves that informal financial institutions play an important role in poverty reduction in the rural areas. Developing and improving, these groups can be an effective alternative to formal commercial banks. All in all, if run properly with structured coordination and seriousness these groups can act as good mechanisms for poverty reduction in the rural communities in Zanzibar."]},{"key":"dc:format","label":"Dc Format","values":["application/pdf"]},{"key":"dc:title","label":"Title","values":["An Assessment of Savings and Credit Groups on Poverty Reduction: A Case of Rural Households in North Unguja”,"]}]}],"canonical_facts":{"dc:creator":["Shauri, Yahya Mohammed"],"dc:date":["2014"],"dc:date.issued":["2014"],"dc:description.abstract":["The study was conducted in North Unguja, Zanzibar focussing on informal rural groups, formed by the community members to reduce poverty at the household level. The study used a sample of 204 respondents, and used a cross sectional research design. The specific objectives of the study were to determine the uses of financial services provided by the groups, the impact of shares on total household income and challenges faced by the group members in the fight against poverty. Using two regression models, multiple linear and logistic regressions, the research found out that Saving and Credits Groups (SACGs) benefit the community in terms of increase in the levels of income. A larger number of households who got loans from informal institutions were able to competently manage their businesses. For instance, SACGs funds used for paying children fees, solving household expenses and replenishing other loans among other uses. Challenges faced by the households were types of investment to operate shortage of funds experienced by SACGs, poor infrastructure (road, network, and commercial activities) affecting communication. Others were the increased formal micro credit institutions, posing competitions to informal institutions. Taken into one, this proves that informal financial institutions play an important role in poverty reduction in the rural areas. Developing and improving, these groups can be an effective alternative to formal commercial banks. All in all, if run properly with structured coordination and seriousness these groups can act as good mechanisms for poverty reduction in the rural communities in Zanzibar."],"dc:format":["application/pdf"],"dc:identifier.uri":["http://repository.out.ac.tz/788/1/DISSERTATION_-_MCHOVU_FINAL.pdf"],"dc:language":["en"],"dc:publisher.department":["Leadership and Governance"],"dc:publisher.institution":["The Open University of Tanzania"],"dc:relation.isreferencedby":["http://repository.out.ac.tz/788/"],"dc:subject":["658 Gerneral management"],"dc:title":["An Assessment of Savings and Credit Groups on Poverty Reduction: A Case of Rural Households in North Unguja”,"],"dc:type":["Thesis"],"dc:type.qualificationlevel":["masters"]},"updated_at":"2026-07-24T03:40:08Z"}