Real or just nominal members? Re-energizing ownership and engagement in African cooperatives:

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.