Social protection in co-operatives: evidence from arusha women in business savings and credit cooperative society, Tanzania

Abstract

Current studies in social protection seem to have ignored the role of co-operatives in social protection. This has resulted in limited knowledge on the role played by co-operatives in enhancing social protection in communities. To fill the gap this study examined social protection provision in co-operatives using Arusha Women in Business Savings and Credit Co-operative Society (AWiB SACCOS) in Arusha, Tanzania. The study adopted the development approach to social protection. The case study research design was applied. In-depth interviews involving 6 key informants who included SACCOS Manager and SACCOS chairperson. Focus Group Discussions (FGDs) and site observations were also used in data collection. Data was analysed qualitatively and quantitatively. Findings demonstrate that disaster management funds, investment funds, group savings funds, business loans, training and radio programs have been pivotal in the provision of social protection to members. The findings imply that the products offered by the SACCOS have enhanced members’ social position and self-esteem, and have helped to improve the balance of power at family and community levels. The co-operative philosophical standpoint of the founding members, together with the SACCOS’ strong financial base, seems to have engineered the design and introduction of products that cater for social protection. It is concluded that co-operatives are well positioned to carry out social protection within the development framework/approach. It is recommended that, apart from traditional products and services, co-operatives should introduce appropriate products that protect members from social challenges and enhance their economic and social position.