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Intensive Growth Strategies and Outreach Performance of Tanzania-Based Savings and Credit Cooperative Societies

机译:基于坦桑尼亚的储蓄和信用合作社的集约化增长战略和推广绩效

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Research on performance of Microfinance Institutions (MFIs) has attracted a great attention as the demand for microfinance services increases. One of the popular microfinance models is reaching the poor through Savings and Credit Cooperative Societies (SACCOs). A critical area is to assess what drives the SACCOs performance. Most research on SACCOs concentrate on assessing their performance without looking at the contribution of key performance drivers such as growth strategies. Little research has been done on the influence of intensive growth strategies (product development and market development) particularly on the SACCOs outreach performance in Tanzania. This study investigates the contribution of both product development and market development on outreach performance (increased number of SACCOs’ members). Through a multiple regression analysis, the study tests seven hypotheses which are geared towards finding the contribution of both product development and market development on outreach performance. A cross-sectional survey design and multistage probability sampling technique enabled the participation of 167 key SACCOs’ managers (loan officers) from three zones of Tanzania whose views were collected through questionnaires. The study has revealed the significant contribution of both product development and market development on outreach performance. SACCOs need to design growth strategies which suit the needs of their clients and their characteristics. Although an outreach performance can be driven by intensive growth strategies, we suggest that, the SACCOs’ growth should also be harmonized with their financial performance.
机译:随着对小额信贷服务需求的增加,对小额信贷机构(MFI)的绩效的研究引起了极大的关注。一种流行的小额信贷模式是通过储蓄和信贷合作社(SACCO)达到穷人的目的。一个关键领域是评估驱动SACCO绩效的因素。对SACCO的大多数研究都集中在评估其绩效上,而不关注诸如增长战略之类的关键绩效驱动因素。关于集约型增长战略(产品开发和市场开发)的影响,特别是对SACCO在坦桑尼亚的外展绩效的影响,研究很少。这项研究调查了产品开发和市场开发对外展绩效(SACCO成员数量增加)的贡献。通过多元回归分析,该研究测试了七个假设,这些假设旨在发现产品开发和市场开发对外展绩效的贡献。横断面调查设计和多阶段概率抽样技术使来自坦桑尼亚三个地区的167名SACCO关键管理人员(贷款人员)得以参与,他们的意见是通过问卷调查收集的。该研究表明,产品开发和市场开发对外展绩效都做出了重大贡献。 SACCO需要设计适合其客户需求和特征的增长策略。尽管外展绩效可以由密集的增长策略来驱动,但我们建议SACCO的增长也应与其财务绩效保持一致。

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