The Study Of Factors Influencing Savings And Credits In The Case Of Savings And Credit Cooperatives -north Shewa Zone Amhra National Regional State

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This paper examines saving and credit cooperatives in North Shewa Zone- Amhra Regionrnand identifies key factor s which has a problems including lack of sufficient managementsrnand gaps in the managing savings and credit cooperatives in such areas as creatingrnawareness to its members by giving consultancy services and cooperative trainings onrnutilizing savings as well as credits (loans). The paper suggests that in how to decrease thesernproblems to increase savings that has a significant factor on the individual developments.rnThe basic objectives of the research were to examine the factor s, level of habits, andrnawareness which influences savings and credit (loan) of cooperatives in North Shewa ZonernAmhra Region, Ethiopia and to out line the customs of members (owners) and managers ofrnsavings and credit cooperatives in the study area. The cross sectional survey with structuredrnquestionnaire was used to collect data for the purposes which have been generated both fromrnprimary sources (in most cases-including interviews) and secondary sources (in less case).rnThe model ordinary least square was evolved in the process of predicting savings respondingrnwith independent variables from members and credit (loan) management from experiencesrnof empowered managers in the savings and credit cooperatives. The descriptive andrninferential statistic with SPSS (Software Package for Social Science) was used to analysernand interpret the result. Status in terms of amount of income, Education level and occupationrnwere not a significant factors and Family size instead encourages accumulations of savingsrnfor a grant of bequest. Men ' s contribution in the affairs of cooperatives was highlyrnsignificant. The major problems identified were inadequate cooperative training,rnconsultancy , and awareness, to develop trust in the minds of members and trained manpowerrnin the management of loan in savings and credit cooperatives.

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The Study Of Factors Influencing Savings And Credits In The Case Of Savings And Credit Cooperatives -north Shewa Zone Amhra National Regional State

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