efforts to promote cooperatives as an inclusive solution to realizing financial opportunities, and the limits on inclusiveness posed by the actual design and function of cooperatives (Spielman, 2008). Quite a number of SACCOs in Amhara have a long string of pending loan applications from the members; some pa y little or no dividends/interest on members‟ savings. Some others have low multiplier factor or limited concurrent loans compared to some well performing counter parts .As compared to other financial institutions some of the SACCOs have their members and FOSA clients
5 queue for long hours to receive their services because of the services not computerized leading to a number of complaints from these clients and some are rudely answered due to poor public relations from staff Based on the above research findings, the extent and the specification internal and external challenges of SACCOs are not identified. Cooperatives are built by the active participation of the members. Most of the above researchers found the members‟ participation were poor. But why the me mbers‟ participate poorly was not explained. As the above studies implied that, SACCOs have faced in different challenge. But these challenges were occurred after and before the service delivery. Additionally, the existing prospects of SACCOs in Ethiopia were not identified and the members seem like they do not have used the possible prospects of the SACCOs. With regard Ankesha Guagusa Woreda SACCOs though the importance of this study is undeniable, no empirical studies have been undertaken that assesses so far about the challenges they faced and about the future prospects. On the bases of the above concept, it is possible to raise questions about the internal and external challenges constraining the performance of SACCOs, the challenges affecting the membe rs‟ participation in SACCOs, the problems of SACCOs to deliver the required services of SACCOs, and the members‟ awareness about the possible prospects of SACCOs. For this matter, sixteen saving and credit cooperatives will be investigated. 1.3. Objectives 1.3.1. General objective The general objective of the study was to find out the challenges and prospects of saving and credit cooperatives the case of Ankesha Guagusa Woreda, Awi Zone, Amhara Regional State. 1.3.2. Specific objectives 2. To determine the influence of organization structure/governance 3. To find out the influence of organization leadership capacity on performance of AWSACCOs 4. To identify the challenges of SACCOs during service delivery
6 5. To identify the internal and external factors of the performance of AWSACCOs 6. To establish the influence of organization subculture on performance in AWSACCOs 1.4. Scope of the Study This study is delimited to saving and credit cooperatives in Ankesha Guagusa Woreda,Awi zone, Amhara Regional State. It investigates the factors affecting performance of SACCOs by using sixteen SACCOs. The study focused on identifying the internal and external challenges of the
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- Spring '18
- Business, ........., Cooperative, SACCOs, Credit Cooperatives