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Author: search.filters.author.YohannesRedaeSubject: search.filters.subject.Mekelle

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    Assess the effect of Conflict on Performance of Rural Saving and Credit Cooperative and Mitigating Mechanisms in Southern Tigray: The Case of Endamohoni Wereda.
    (Mekelle University, 2025-03) YohannesRedae
    he survey conducted after the devastating war in Tigray provides valuable insights in to assess the effects on the Endamohoni Wereda Main objective of this study is to assess the effect of conflict on rural saving and credit cooperative in southern Tigray: in the case of Endamohoni Wereda. The effectiveness of RUSSCO is necessarily subject to assess the negative effects of the conflicts or war, especially as their loans outstanding depended on the level of savings outstanding. Endamohoni Wereda Youth Saving and Credit Cooperative for its saving, loan provided, credit collections in 2020 and this effect leads for above 2million birr pillages in all branches During the conflict, deposits shrink and increases in withdrawals, substantial decrease in loan repayment lost their businesses, or even died. The Research design is mixed methods both qualitative and quantitative approach has been employed in this study. This researcher used a descriptive research design, and systematic random sampling techniques, department heads were selected purposefully . Data were collected by interviewing up on 378 respondents in rural saving and credit cooperatives Endamohoni Wereda , South Tigray in Ethiopia. To analysis and interpret data the researcher used descriptive statistics such as the percentage, range, table, graphs, ratio and narrations and the other methods to collect qualitative data by interview systematic random sampling and purposive sampling .The post war conflict brought about complex effects and wide range of damages such as pillage, assets set on fire , shutter or demolished assets. The members are facing multiple problems, challenges and economic limitations. Major challenges of rural saving and credit cooperative union is lake of awareness, limitation of managerial capacity, limited income of the members, Sacco size, dependency or government interference, inadequate support and weak regulation and supervision ,inaccessibility to technology, political instability or war. From this it is possible to conclude that the post war conflict significantly disrupted the income capacity of most respondents, with only a small percentage managing to generate income at or near their expected levels. Similarly, the majority of members either ceased saving or reduced their saving amounts during the war and siege period. Solutions for the challenges of rural saving and credit cooperative, the researcher recommended the following suggestions. Increase educated staff members, use of technology, creating awareness rising, enhancing of the members, and their income per participant, being mautonomous, and cooperative among cooperative unions