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.
