African Journal of
Business Management

  • Abbreviation: Afr. J. Bus. Manage.
  • Language: English
  • ISSN: 1993-8233
  • DOI: 10.5897/AJBM
  • Start Year: 2007
  • Published Articles: 4137

Full Length Research Paper

The link between financial performance and loan repayment management in Tanzanian SACCOS

Benson Otieno Ndiege*
  • Benson Otieno Ndiege*
  • Moshi Co-operative University, Moshi, Tanzania.
  • Google Scholar
Lucas Mataba
  • Lucas Mataba
  • Moshi Co-operative University, Moshi, Tanzania.
  • Google Scholar
Margret Msonganzila
  • Margret Msonganzila
  • Moshi Co-operative University, Moshi, Tanzania.
  • Google Scholar
Kelvin Luka Nzilano
  • Kelvin Luka Nzilano
  • Moshi Co-operative University, Moshi, Tanzania.
  • Google Scholar

  •  Received: 30 August 2015
  •  Accepted: 20 November 2015
  •  Published: 28 February 2016


Ab Manan SK, Jaaffar SN, Shafiai MHM, Rahman FA, Shahrullail SHIS (2014). Financial Risk and Risk Management of Islamic Microfinance (IMF) Product. In Proceedings of International Conference on Contemporary Economic Issues 2014 :143.


Absanto G, Aikaruwa D (2013). "Credit rationing and loan repayment performance: the case study of Victoria savings and credit cooperative society" Adv. Res. J. Manag. Bus. Stud. 2(6):328-341.


Arvelo M, Bell J L, Novak C, Rose J, Venugopal S (2008). "Morgan Stanley's Approach to Assessing Credit Risks in the Microfinance Industry" J. Appl. Corp. Financ. 20(1):124-134.


Ayayi A G (2012). "Credit risk assessment in the microfinance industry" Econ. Transit., 20(1):37-72.


Ayayi AG, Sene M (2010). "What drives microfinance institution's financial sustainability. J. Dev. Areas 44(1):303-324.


Berger AN, Barrera M, Klein J (2007). Credit Scoring for Microenterprise Lenders. Microenterprise Fund for Innovation, Effectiveness, Learning and Dissemination. pp. 1-45


Berger AN, Udell GF (2002). "Small business credit availability and relationship lending: The importance of bank organisational structure" Econ. J. 112(477): F32-F53.


BOT (2014). National Financial Inclusion Framework.



Frame WS, Srinivasan A, Woosley L (2001). "The effect of credit scoring on small-business lending". J. Money Credit Bank 33(3):813-825.


Hermes N, Lensink R (2007). The empirics of microfinance: what do we know?. Econ. J. 117(517):F1-F10.


Huppi M, Feder G (1990). "The role of groups and credit cooperatives in rural lending" World Bank Res. Obs. 5(2):187-204


Kaleshu JT, Temu S (2012). "Expansion of rural financial services through linkage banking in Tanzania: Is joint action between savings and credit cooperative societies (SACCOS) a promising approach?" Enterp. Dev. Microfinance. 23(2):146-160.


Khan MY, Jain PK (2009). Financial Management. Fifth edition, Tata McGraw-Hill Company Limited, Delhi.


Kinyondo AA, Okurut N (2009). "Determinants of loan repayment performance in microcredit institutions : Evidence from Tanzania" Asia-African J. Econ. Econom. 9(2):337-345.


Kivuvo RM, Olweny T (2014). "Financial Performance Analysis o f Kenya ' s SACCO Sector Using the Altiman Z Score Model of Corporate Bankruptcy" Int. J. Bus Soc. Sci. 5(9):34-52.


Mckillop D, Wilson JOS (2011). "Credit Unions: A Theoretical and Empirical Overview Credit Unions" Financ. Mark. Institutions Instruments 20(3):79-123.


Njanike K (2009). "The impact of effective credit risk management on bank survival" Ann. Univ. Petrosani Econ. 9(2):173-184.


Lagat FK, Mugo R, Otuya R (2013). "Effect of credit risk management practices on lending portfolio among savings and credit cooperatives in Kenya" Eur. J. Bus. Manag. 5(19):93-105.


Ledgerwood J (2000). Microfinance Handbook: an institutional and financial perspective. World Bank Publications.


Magali JJ (2013a). "The Influence of Rural Savings and Credits Cooperatives Societies (SACCOS') Variables on Loans Default Risks: The Case Study of Tanzania" Eur. J. Bus. Manag. 4(19):77-91.


Magali JJ (2013b). "The Impacts of Credits Risk Management on Profitability of Rural Savings and Credits Cooperative Societies (SACCOS): The Case Study of Tanzania" Int. J. Manag. Sci. Bus. Res. 2(12):62-77.


Magali JJ, Qiong Y (2014). "Commercial Banks Vs Rural SACCOS Credits Risk Management Practices in Tanzania" J. Econ. Sustain. Dev. 5(2):33-45.


Mwakajumilo SLI (2011). "The role of informal microfinance institutions in saving mobilization, investment and poverty reduction. A case of savings and credit Co-operative societies (SACCOS) in Tanzania from 1961-2008" Ph.D. diss. St. Clements University, Turks and Caicos Islands of British West Indies.


Mwangi I W, Wanjau KL (2012). "The Role of SACCO in Growth of Youth Entrepreneurship in Kenya : A Case of Nairobi County" Greener J. Bus. Manag. Stud. 2:112-118.


Oguntoyinbo M (2011). Credit risk assessment of the microfinance industry in Nigeria: An application to Accion Microfinance Bank Limited (AMFB) (Doctoral dissertation, Stellenbosch: Stellenbosch University).


Olando CO, Jagongo A, Mbewa MO (2013). "The Contribution of Sacco Financial Stewardship to Growth of SACCOS" Int. J. Human. Soc. Sci. 3(17):112-137.


Sharma M, Zeller M (1997). Repayment performance in group-based credit programs in Bangladesh: An empirical analysis. World Dev. 25(10):1731-1742.


Sumelius J, Tenaw S, Bäckman S, Bee F, Chambo S, Machimu G, Kumburu N (2014). "Agenda on cooperatives for development cooperation in Tanzania" J. Co-op. Organ. Manag. 



Sizya MJ (2001). "The role Co-operatives play in poverty reduction in Tanzania". United Nations in Observance of the International Day for the Eradication of Poverty. Co-operative College, Moshi, Tanzania. pp. 1-14.


Temu SS, Ishengoma EK (2010). "Financial linkages and performance of rural microfinance cooperatives: Tanzanian case". Indian J. Econ. Bus. 9(2):285-302.


Wangwe S, Lwakatare M (2004). "Innovation in rural finance in Tanzania". In Third Annual Conference on Microfinance held from 15th to 17th March, 1-18.


Wei Y, Xu S, Meng F (2010). "The Listed Company's Credit Rating Based on Logistic Regression Model Add Non-financial Factors". In 2010 Second International Conference on Modeling, Simulation and Visualization Methods, pp. 172-175.


Marwa N, Aziakpono M (2014). "Efficiency and Profitability of Tanzanian Saving and Credit Cooperatives: Who is a Star?" J. Econ. Behav. Stud. 6(8):658-669.


Royer JS (2014). "The Neoclassical Theory of Cooperatives: Part II" J. Coop. 28:1-19.