Institute of Population Studies

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    CHALLENGES AND OPPORTUNITIES FOR WOMEN’SPARTICIPATION IN SAVINGAND CRADIT COOPRATV SOCITIES: ( THE CASE OF DEGUA-TEMBEN WOREDA)
    (Mekelle University, 2018-06-25) ALEMAT AMARE
    Saving and credit cooperative societies are forms of financial institutions that provide their services to middle and lower income households in urban and rural areas. SACCOs are distinguished from other financial service providers in that they are owned by members and financial services are commonly targeted at members. This study was done with the objective of identifying the challenges and opportunities for women to participate in SACCOs in Degua Temben district. Descriptive type of research was used with a proportionate systematic sampling method to select the samples. Both primary and secondary data were collected through in depth interview, focus group discussion, questionnaires and document review. The quantitative data were analyzed using descriptive while qualitative data were used to triangulate the study. SPSS was used to analyze the study. The findings show that the main challenges caused for low participation of women in SACCOs are: low educational and training facilities, domestic work load, gender biases of local officials, low commitment of respondents to serve as management committee, men domination over women, inadequate capital, unable to pay dividend to members. On the other hand, access to extension service, government & NGOs support and availability of cultivable land were enabling opportunities for women to participate in SACCOs. The study recommended that encourage women to participate in SACCOs and support members to stand for election in various committees, training and education for women is crucial for engagement of new members, the financial potentials of the cooperatives should be strengthen through increasing membership, increasing monthly saving amount, decreasing unnecessary wastages, the cooperative desk should provide gender related training to their members as well as to the community to minimize the problem of cultural thinking on women, SACCOs should conduct on time audit and distribute dividends to members in order to benefit members and to attract new members, on time monitoring and evaluation should be conducted for SACCOs