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Relationship lending and financial performance of Savings and Credit Co-operative Societies in Tanzania.

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dc.contributor.author Towo, Nathaniel, N.
dc.contributor.author Ishengoma, Esther, K.
dc.contributor.author Mori, Neema
dc.date.accessioned 2023-06-01T13:54:07Z
dc.date.available 2023-06-01T13:54:07Z
dc.date.issued 2022
dc.identifier.citation Towo, N.N , Ishengoma, E and Mori, N(2022) Relationship lending and financial performance of Savings and Credit Co-operative Societies in Tanzania. Emerald Publishing Limited,1-22. en_US
dc.identifier.issn 2040-0705
dc.identifier.uri http://repository.mocu.ac.tz/xmlui/handle/123456789/358
dc.description A full text of co-operative development available on https://www.emerald.com/insight/2040-0705.htm en_US
dc.description.abstract Purpose – This paper examines the influence of relationship lending on the financial performance of Savings and Credit Co-operative Societies (SACCOS) in Tanzania. Design/methodology/approach – A panel data of 460 observations representing 115 SACCOS from Tanzania was used. Descriptive statistics and panel regression models were employed to analyse the data. Findings – The results show that the duration of the relationship is negatively and significantly related to SACCOS financial performance, substantiating the relationship lending theories. The number of relationships has an insignificant effect on financial performance. Research limitations/implications – The study focused on the duration and the number of relationships as aspects of relationship lending. The paper is limited in the sense that other aspects of relationship lending such as the concentration of relationships that could affect financial performance are not included in this study. The results apply to SACCOS and not to other microfinance institutions with strong bargaining power. Originality/value – This study positions relationship lending in the SACCOS context where the market for the wholesale loan is less competitive. en_US
dc.language.iso en en_US
dc.publisher Emerald Publishing Limited en_US
dc.subject Financial performance en_US
dc.subject Relationship lending en_US
dc.subject SACCOS en_US
dc.subject Duration of relationship en_US
dc.subject Number of relationships en_US
dc.title Relationship lending and financial performance of Savings and Credit Co-operative Societies in Tanzania. en_US
dc.title.alternative The influence of relationship lending en_US
dc.type Article en_US


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