SAVINGS AND CREDIT COOPERATIVES AND POVERTY ERADICATION AMONG WOMEN.ACASE STUDY OF MAKINDYE DIVISION, KAMPALA- UGANDA.

TABLE OF CONTENT

DECLARATION ............................................................................................................................ ii

APPROVAL .................................................................................................................................. iii

DEDICATION ............................................................................................................................... iv

ACKNOWLEDGEMENTS ............................................................................................................. v

ACRONYMS ................................................................................................................................. vi

TABLE OF CONTENT ................................................................................................................ vii

LIST OFT ABLES ........................................................................................................................... x

LITST OF FIGURES ..................................................................................................................... xi

ABSTRACT ................................................................................................................................. xii

CHAPTER ONE ............................................................................................................................ 1

INTRODUCTION ......................................................................................................................... !

I. 0 Introduction .............................................................................................................................. I

1.1 Background ................................................................................................................................ 1

1.2 Statement of the Problem ........................................................................................................... 2

1.3 Purpose of the Study .................................................................................................................. 3

1.4 Research objectives ................................................................................................................. 3

1.5 Research questions .................................................................................................................. 3

1.6 Scope of the study .................................................................................................................... 3

1.6.1 Theoretical Scope ................................................................................................................... 3

1.6.2 Subject Scope ......................................................................................................................... .4

1.6.3 Geographical Scope ............................................................................................................... .4

1.6.4 Time scope ............................................................................................................................. .4

I. 7 Significance of the study .......................................................................................................... .4

1.8 Conceptual Frame work ............................................................................................................. 5

CHAPTER TW 0 ........................................................................................................................... 6

LITERATURE REVIEW ............................................................................................................. 6

2.0 Introduction ................................................................................................................................ 6

2.1 Theoretical Review .................................................................................................................... 6

2.2 Co-operatives in Developing Countries ................................................................................... 6

vii

2.2.0 Development of the co-operative movement in Uganda ...................................................... ?

2.:2.1 Formative years 1913-1952 ............................................................................................... ?

2.2.2 Years of expansion 1953-1961 ........................................................................................... ?

2.2.3 Further Expansion 1962-1910 .............................................................................................. 8

2.2.4 The 1970 Co-operative Societies Act and loss of autonomy ................................................ 9

2.2.5 Co-operatives amidst instability 1980- 1985 .................................................................... 1 0

2.2.6 Co-operatives in a liberalized environment 1986 to-date .................................................. !!

2.2.7 The state of the co-operative movement.. ........................................................................... II

2.2.8 UCA role in shaping the future of co-operatives ................................................................. 14

2.2. 9 Lessons learned ................................................................................................................... 14

2.4 Conclusion ............................................................................................................................... 15

CHAPTER THREE ..................................................................................................................... l6

METHODOLOGY ...................................................................................................................... 16

3.0 Introduction .............................................................................................................................. 16

3 .I Research Design ...................................................................................................................... 16

3.2 Population of the study ............................................................................................................ 16

3.3 Sample Size and selection method ........................................................................................... \6

3.4 Sampling Techniques ............................................................................................................... \7

3.5 Research Instruments ............................................................................................................... 17

3.5.1 Questionnaire ........................................................................................................................ 17

3.5.2 Interviews ............................................................................................................................. 17

3.6 Validity and reliability ............................................................................................................. 18

3. 7 Data gathering procedures ....................................................................................................... I 8

3.8 Data Analysis ........................................................................................................................... l8

3. 9 Limitation of the study ............................................................................................................. 19

CHAPTER FOUR ....................................................................................................................... 20

PRESENTATION, ANALYSIS AND DISCUSSION OF THE FINDINGS .......................... 20

4.0 Introduction .............................................................................................................................. 20

4.1 Presentation of the findings according to the objectives ......................................................... 20

4.2 Summary of the findings using tables ..................................................................................... 20

viii

4.2.1 Characteristics of the respondents ........................................................................................ 20

4.2.1 Age range of respondents ..................................................................................................... 21

4.2.2 Gender of respondents .......................................................................................................... 22

4.2.3 Level of education ................................................................................................................ 22

4.2.4 Position held in the SACCO ................................................................................................. 23

4.3 Findings on the nature of SACCOs and Women Empowerment ............................................ 24

4.3.1 What do you consider to be the best way of describing the term cooperative? .................... 24

4.3.2 How did you become the SACCO member? ........................................................................ 24

4.3.3 Does the SACCO provide some business training? ............................................................. 26

4.3.4 Contributions ofDembe SACCO to women empowerment ................................................ 26

4.3.5. Findings on the major challenges faced in accessing the services of the SACC0 .............. 27

CHAPTER FIVE ......................................................................................................................... 28

CONCLUSIONS AND RECOMMENDATIONS .................................................................... 28

5.1. Introduction ............................................................................................................................. 28

5.2. Conclusions from the research ................................................................................................ 28

5.2.1. SACCOs in Makindye division and the services provided ................................................. 28

5.2.2. The challenges faced by women when dealing with SACCOs ........................................... 29

5.3. Recommendations from the research ...................................................................................... 29

5.3.1. Recommendations for the SACC0 ...................................................................................... 30

5.3.2. Recommendations for the government. ............................................................................... 30

5.3.3. Recommendations for SACCO clients ................................................................................ 30

5.3.4. Recommendations for further research ................................................................................ 31

5 .4. Conclusion ............................................................................................................................. .31

REFERENCES .............................................................................................................................. 32

APPENDIX 1 ................................................................................................................................. 33

RESEARCH INSTRUMENTS ..................................................................................................... 33

APPENDIX 2: ............................................................................................................................... 37

PROPOSED BUDGET .................................................................................................................. 37

APPENDIX 3 ................................................................................................................................ .38

WORK PLAN ................................................................................................................................ 38

ABSTRACT

The purpose of the research was to examine the role played by Savings and Credit Cooperatives

in eradicating pove1iy among women in Makindye Division Kampala-Uganda. In conducting the

study, the descriptive survey design was used and both the questionnaire and interviews were

employed as the main research instruments. The purposive sampling technique was used in the

study and the sample from which the data was collected was made up of ordinary as well as

members of the management committee drawn from the Dembe Women's SACCO. The

Cooperative Development Officer from the Ministry of Small and Medium Enterprises and

Cooperative Development was also pmi and parcel of the sample that participated in the study.

Tables were used to show the responses and inferences which were drafted from the quantified

data. Findings of the study revealed that women in Makindye faced a number of socio-economic

challenges in their day to day lives. Dembe Women's SACCO was established as a way of

trying to eradicate pove1iy among women in the face of the socio-economic challenges they

faced. However, in trying to eradicate pove1iy among women, the SACCO also faced numerous challenges that inhibit them to fully maximize their capacity to eradicate poverty among women.