Abstract:
Despite the integral role Savings and Credit Cooperative Societies
(SACCOS) play in financial inclusion and community development, the level of
member ownership and engagement remains critically low. This study was
conducted to assess how members of selected SACCOS in Shinyanga Region,
Tanzania engage with their cooperatives across three key dimensions: awareness of
cooperative components, investment behaviour, and active participation. Using the
Member Engagement Theory, the study adopted a cross-sectional research design
using structured questionnaires, interviews and relevant SACCO’s documents. A
random sample of SACCOS and their members was surveyed. From the findings,
most members demonstrated limited awareness of their rights, responsibilities,
financial status of the SACCOS, and future plans. Meeting attendance seemed
inconsistent, and communication channels were often ineffective. It was further
found that many members cannot articulate the organizational structure or
understand the SACCOS’s financial operations. In terms of investment, a majority
contribute savings irregularly or minimally, lack trust in savings plans, and
underutilize available services. Additionally, only a few members actively promote
membership growth. Regarding participation, engagement in meetings and decision
making remains sporadic, and few members show interest in leadership or committee
roles. Notably, many members feel their contributions go unrecognized, further
eroding motivation to engage. The study concludes that member disconnection from
their respective cooperatives is a serious threat to sustainability. Without deliberate
efforts to empower members through awareness, inclusion, and recognition,
SACCOS risks becoming nominal entities lacking a true spirit. It is recommended
that SACCOS reframe their engagement strategies by institutionalizing continuous
member education, transparent communication, and incentivized participation
frameworks to re-energize ownership and secure cooperative longevity.
