On Saving and Credit Cooperatives’ Outreach The Effects of Governance : The Case of Addis Ababa Saving and Credit Cooperatives
| dc.contributor.advisor | Abite, Asres (Phd.) | |
| dc.contributor.author | Girma, Yonas | |
| dc.date.accessioned | 2021-08-06T12:22:16Z | |
| dc.date.accessioned | 2023-11-19T09:09:34Z | |
| dc.date.available | 2021-08-06T12:22:16Z | |
| dc.date.available | 2023-11-19T09:09:34Z | |
| dc.date.issued | 2021-06 | |
| dc.description.abstract | Saving and credit cooperatives has been growingly playing essential role enhancing the welfare of the society during the last few decades. Despite their great contribution, they are facing several challenges that typically emanates from their organizational and governance problems. Consequently, many studies have been undertaken on saving and credit cooperatives that targeted to examine the nature and consequences of their governance. However, many of them have approached the subject focused on the relationship between an aspect of governance and a chosen measure of performance. This partly has led to quite huge lack of consistency in the research outcomes pertaining to the essential nature of the relationship between governance and performance of saving and credit cooperatives. The purpose of this research is to underline the true nature of the relationship between governance and outreach of saving and credit cooperatives in Addis Ababa. Explanatory research approach is employed, and mainly secondary data are used with supplementary primary information. The study used a panel data framework that pools observations on cross-section of units over the last three years periods (2017/18 to 1019/20). The unit of analysis are 232 currently operational primary saving and credit cooperatives that are enrolled under Addis Ababa saving and credit union. Samples of 60 units are randomly taken and primary data are collected using self-administered semi structured questioner and secondary data are collected using documents review. The research statistically examined whether the data met the underlying assumptions of ordinary least square method. Then Pearson correlation analysis has been carried out to examine the net effects of each explanatory variable over the response variables. Finally, the nature and magnitude of the relationship between governance and outreach is underlined through the analysis of the joint effects of the explanatory variables on the response variables using multiple regression technique. The study has found that the independent variables board competency, board meeting frequency, and internal control mechanism have strong positive effects on outreach of SCCO both in terms of the number of clients served and the average loan size. It has also found that weak positive association exists between the explanatory variables board size, board diversity, and incentive mechanism with the response variables number of borrowers and the average loan size. | en_US |
| dc.identifier.uri | http://etd.aau.edu.et/handle/12345678/27621 | |
| dc.language.iso | en | en_US |
| dc.publisher | A.A.U | en_US |
| dc.subject | Credit Cooperatives | en_US |
| dc.subject | Effects of Governance | en_US |
| dc.title | On Saving and Credit Cooperatives’ Outreach The Effects of Governance : The Case of Addis Ababa Saving and Credit Cooperatives | en_US |
| dc.type | Thesis | en_US |