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Rural Outreach using community based SACCOS (DID model). Summary . Taxonomy of SACCOS Networks SACCOS Networks in the World SACCOS Networks in Africa Tanzania Case: Dunduliza experience. Taxonomy of SACCOS Networks. Atomized Systems: no or very low integration;
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Summary Taxonomy of SACCOS Networks SACCOS Networks in the World SACCOS Networks in Africa Tanzania Case: Dunduliza experience
Taxonomy of SACCOS Networks • Atomized Systems: no or very low integration; • Consensual Networks: medium level of integration • Strategic Networks: high level of integration
Atomized System Representation Cooperative education Prudential services
Consensual Networks Pooling of resources Standardization Market sharing Unique image
Strategic Networks Separation of strategic and operational decision management Prudential supervision role (Inspection) Contractual solidarity
STRATEGIC OR ATOMIZED Strategic networks perform better than atomized networks: • Market penetration • Stability • Financial efficiency • Amplitudes of services • Target clientele services
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.
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
Rural Outreach SACCOS have a relatively larger presence in rural areas
What’s Wrong in Tanzania • NO NETWORKING • QUANTITY NOT QUALITY • LITTLE PROTECTION OF DEPOSITS • CREDIT BEFORE SAVING
Money serving people AsanteThank youMerci