Title Page
ABSTRACT
Contents
LIST OF ABBREVIATIONS, SYMBOLS AND ACRONYMS 13
CHAPTER ONE. GENERAL INTRODUCTION 16
1.1. Background 16
1.2. Problem Statement 18
1.3. Objectives of the study 18
1.3.1. General objective 18
1.3.2. The Specific Objectives 19
1.4. Research questions 19
1.5. Scope of the Study 19
1.5.1. Conceptual scope 19
1.5.2. GeographicalScope 19
1.5.3. Time scope 19
1.6. Importance of the study 20
1.6.1. To the researcher 20
1.6.2. The Community 20
1.6.3. Academic 20
1.6.4. NtaramaSACCO 20
1.7. Conceptual structure 21
1.8. Organization of the study 21
CHAPTER TWO. LITERATURE REVIEW 23
2.1. key Definition 23
2.1.1. Cooperative 23
2.1.2. SACCOs 23
2.1.3. Saving 24
2.1.4. Credit 24
2.1.5. Living standard 24
2.2. Theoretical review 25
2.2.1. Savings and credit cooperative (SACCO) 25
2.2.2. Living Standard in Rural Areas 31
2.2.3. Financial cooperatives and community development 36
2.3. Empirical review 39
2.4. Empirical review on impact of microfinance Institutions on poor househols 41
2.5. Gap Analysis 42
CHAPTER THREE. RESEARCH METHODOLOGY 43
3.1. Research design 43
3.2. Source of data 43
3.2.1. Primary data 43
3.2.2. Secondary data 43
3.3. Population 44
3.3.1. Targeted Population 44
3.3.2. Sample size 44
3.3.3. Sampling techniques 44
3.4. Data collection techniques 45
3.5. Data Processing 46
3.5.1. Editing 46
3.5.2. Coding 47
3.5.3. Tabulation 47
3.6. Data analysis 47
3.7. Ethical considerations 48
CHAPTER IV. RESULTS AND DISCUSSION 50
4.1. Results 50
4.1.1. Demographic characteristics of respondents 50
4.1.2. Appreciation of level of practices of Ntarama SACCO towards members 52
4.1.3. Improvement of living standards 58
4.1.4. Regression analysis 60
4.2. Discussion 62
CHAPTER V. CONCLUSION 66
5.1. Summary of major findings 66
5.2. General conclusion 70
5.3. Suggestions to Ntarama Credit and Savings Cooperative 70
5.4. Areas for further research 71
REFERENCES 72
APPENDICES 12
Appendix 1. Questionnaire addressed to the Ntarama SACCO Clients 79
Appendix 2. Interview guide with the Ntarama Head of Credit Department 84
요약 87
Table 1. Composition of target population 45
Table 2. Demographic characteristics of respondents 50
Table 3. Distribution of respondents by gender 51
Table 4. Distribution of respondents by education level 51
Table 5. Distribution of respondents by marital status 52
Table 6. Distribution of respondents by duration as a member 52
Table 7. Respondents' level of agreement on practices of saving 54
Table 8. Respondents' level of agreement on practices of credit 56
Table 9. Level of agreement on job creation and production practices 57
Table 10. Respondents' appreciation level on living standards... 59
Table 11. The level at which Ntarama promotes the living standards 60
Table 12. Model Summary 61
Table 13. Coefficients 62
Figure 1. Conceptual framework 21