Ponnala, Vankati(Dr.)Kindie, Abayneh2021-06-022023-11-042021-06-022023-11-042011-06http://etd.aau.edu.et/handle/123456789/26641This paper examines saving and credit cooperatives in North Shewa Zone- Amhra Region and identifies key factor s which has a problems including lack of sufficient managements and gaps in the managing savings and credit cooperatives in such areas as creating awareness to its members by giving consultancy services and cooperative trainings on utilizing savings as well as credits (loans). The paper suggests that in how to decrease these problems to increase savings that has a significant factor on the individual developments. The basic objectives of the research were to examine the factor s, level of habits, and awareness which influences savings and credit (loan) of cooperatives in North Shewa Zone Amhra Region, Ethiopia and to out line the customs of members (owners) and managers of savings and credit cooperatives in the study area. The cross sectional survey with structured questionnaire was used to collect data for the purposes which have been generated both from primary sources (in most cases-including interviews) and secondary sources (in less case). The model ordinary least square was evolved in the process of predicting savings responding with independent variables from members and credit (loan) management from experiences of empowered managers in the savings and credit cooperatives. The descriptive and inferential statistic with SPSS (Software Package for Social Science) was used to analyse and interpret the result. Status in terms of amount of income, Education level and occupation were not a significant factors and Family size instead encourages accumulations of savings for a grant of bequest. Men ' s contribution in the affairs of cooperatives was highly significant. The major problems identified were inadequate cooperative training, consultancy , and awareness, to develop trust in the minds of members and trained manpower in the management of loan in savings and credit cooperatives.enFactors Influencing Savings and CreditsNorth Shewa ZoneThesis