Abstract:
This study investigated the growth status of SACCOS before and during the
implementation of the JK Billions in Tanzania mainland. Linear regression models using
enter method predicted varying relationships. Before the fund came into effect i.e. 2005, the
study results showed that saving was well predicted by women than did their counterpart
men. However, as the fund got underway, neither women nor men were significant predictors
of savings. In both models i.e. before and after the implementation of the fund, savings
amount appeared to predict well the level of loans issued to members. This study concluded
that men and women have different saving preferences as members of savings and credit
cooperative societies. Moreover, loans are also determined by the levels of savings. The
government must limit its efforts to technical development and facility development of
member-based financial institutions instead of pumping credit.
