Implementation of the Fifth Co-operative Principle (Education, Training & Information) in Tanzania Savings and Credit Co-operative Societies (SACCOS): Experience from Moshi Rural Teachers’ SACCOS and Wazalendo SACCOS

Kelvin M. Mwita .


This paper assesses the fifth Co-operative principle (education, training and information) in SACCOS using experience from Moshi Rural Teachers’ SACCOS (MRTS) and Wazalendo SACCOS in Kilimanjaro region. Data were collected from 58 respondents by using questionnaires, interview and observation. The study found a satisfactory level of information sharing to members and employees, however, technology has not yet been fully utilized in sharing information relating to SACCOS. Education and training faces a number of challenges leading to lack of necessary skills and knowledge to employees in performing their job. It was also found that there is low engagement of the youth in SACCOS with no effective strategies to persuade them to join SACCOS. The study recommends the use of more advanced technology in information sharing, conducting training needs assessment, having on-the-job training and formulation of strategies for persuading young people to join SACCOS.


SACCOS, Education, Training, Information, Co-operative principles

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