Recently added

Who wants to get involved? Determinants of Sanya Juu farmers’ willingness to invest in a dairy processing co-operative plant

Mataba, Lucas; Walsanga, Barnos (The Co-operative University of Kenya, 2025)

Smallholder dairy farmers in Tanzania face persistent challenges in accessing formal markets and securing fair prices for their produce. Although cooperatives offer a promising platform for collective investment and ...

Unlocking saccos' potential through IOT to enhance efficiency, risk profiling, and member engagement

Payovela, Rodrick P.; Shao, Paul E.; Ngahemelwa, James B.; Magoti, Sarah N. (The Co-operative University of Kenya, 2025)

Savings and Credit Cooperative Organisations (SACCOS) underpin financial inclusion for underserved and rural communities, yet they struggle with service-delivery inefficiencies, weak member engagement, high loan-default ...

Financial literacy and members’ investment decisions.

Msuya, Richard I.; John, NeemaLucy.; Ndosi, Regan J.; Temu, Karen A.; Nzungu, Restituta. (The Co-operative University of Kenya, 2025)

Saving and Credit Cooperative Societies (SACCOS) play a crucial role in enhancing financial inclusion and mobilising savings for investment among Tanzanians. However, it remains unclear whether members’ financial ...

Exploring the usage and adoption of financial technologies by saccos members:

Madila, Shadrack S. (The Co-operative University of Kenya, 2025)

The adoption and usage of financial technologies (fintech) in Savings and Credit Cooperatives (SACCOS) have become increasingly relevant in enhancing financial inclusion and service delivery. However, there remains a gap ...

School-based coffee farming schemes and future youth co-operators potential in Mbozi district, Tanzania

Mwinuka, Mary; Njau, Luka S. (The Co-operative University of Kenya, 2025)

Coffee plays a critical role in Tanzania’s economy, yet productivity levels remain low due to various challenges. Despite the strategic significance of coffee as a cash crop, efforts to build skilled, future-oriented ...

Enhancing food security through agricultural cooperatives: Discourses of climate change and smallholder farmers in Africa.

Mauki, Consesa R. (The Co-operative University of Kenya, 2025)

The persistent food insecurity faced by smallholder farmers in Sub- Saharan Africa is driven by limited access to productive resources, weak institutional support, and increasing exposure to climate-related shocks. While ...

Revolutionising African co-operatives through inclusive digital transformation beyond hype

Kimaro, Beatrice J.; Namwata, Baltazar M.; Manumbu, Odax L. (The Co-operative University of Kenya, 2025)

Digital technologies hold transformative potential for African co operatives, yet their adoption remains uneven, often prioritising hype over grassroots realities. This study critically examines how digital tools, ranging ...

Co-operative members’ perceptions on health insurance and the Ushirika afya scheme in Babati district, Tanzania

Naiman, Godamen.; Komba, Cyril K.; Lulandala, Emmanuel. (The Co-operative University of Kenya, 2025)

Ushirika Afya scheme plays a crucial role in improving and protecting Co-operative members in health issues in the agriculture sector. This study was carried out to examine the co-operative members’ perceptions towards ...

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

Manumbu, Odax L. (The Co-operative University of Kenya, 2025)

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 ...

Co-operative health insurance in Tanzania:

Komba, Cyril K.; Lulandala, Emmanuel.; Naiman, Godamen. (Moshi Co-operative University (MoCU), 2025)

Ushirika Afya scheme plays a vital role in improving and safeguarding the health of cooperative members in the agricultural sector. This study was conducted to assess the perceptions of cooperative members towards ...

Leveraging green training practices to foster sustainable farming practices in agricultural co-operatives in Tanzania.

Nnko, Elisifa E.; Muhihi, Bikolimana G. (Moshi Co-operative University, 2025)

Globally, sustainable farming practices are essential for reducing the consequences of climate change and preserve the long-term sustainability of food production systems. Although studies have indicated that Tanzanian ...

Commercial banking inside a cooperative shell:

Shirima, Victor E.; Nkuhi, Mathias S. (Moshi Co-operative University (MoCU), 2025)

Cooperative banks, in their original nature, are cooperative enterprises that are supposed to be governed by cooperative principles, values and practices. Banks, in the modern era, have opted and maintained the use of ...

Assessing factors influencing the adoption of the digital cooperative supervision management information system among agricultural and marketing co-operative societies in Tabora region, Tanzania

Paul, Paulin.; Lucas, Angelina. (Moshi Co-operative University (MoCU), 2025)

The adoption of digital technologies in cooperative management is increasingly recognized as a strategic solution to governance and operational inefficiencies among Agricultural and Marketing Cooperative Societies (AMCOS) ...

In clean energy we trust

Muhihi, Bikolimana G. (Moshi Co-operative University, 2025)

In Tanzania, the top development agenda is the pursuit of expanding energy supply and access in both rural and urban areas. The purpose is to realise a viable transition to sustainable and universal access to clean energy. ...

The role of Co-operative joint enterprises in enhancing the sustainability of their members:

Mbwambo, Joyce.; Mwinuka, Mary.; Ngowi, Alex.; Kilemwa, Laurine. (Moshi Co-operative University (MoCU), 2025)

Despite their growing importance in co-operative development, empirical research on the function of Co-operative Joint Enterprises (CJEs) in the sustainability of their member organisations in Tanzania is scarce. This ...

Potentials and challenges for the growth of Co-operative societies in Tanzania

Kumburu, Neema.; Hizza, Ernest.; Namwata, Baltazary.; Kazungu, Isaack. (Moshi Co-operative University (MoCU), 2025)

Co-operatives in Tanzania, particularly in the agriculture sector, hold significant potential for economic empowerment, social inclusion, and sustainable development. By pooling resources, co-operatives help improve the ...

Formalization of informal digital savings and lending associations:

Ngowi, Alex.; Msanya, Noela.; Kitururu, Emanuel.; Mbonyo, Mariam. (Moshi Co-operative University (MoCU), 2025)

Social media-based digitally informal savings and lending associations (DISLAs) are growing rapidly, indicating a shift in collective financial behaviour. The sustainability and operational concerns arise from this ...

Cooperative-led growth and Institutional quality:

Joseph, Godfrey J.; Sife, Alfred S. (Moshi Co-operative University (MoCU), 2025)

The role of cooperatives in fostering inclusive growth is unevenly distributed across countries and regions. This disparity is gauged by the World Cooperative Monitor (WCM) data which shows the top 300 performing ...

Co-operative 5.0: leveraging the fifth industrial revolution for sustainable Co-operatives

Matto, George.; Mghweno, Ezekiel. (Moshi Co-operative University (MoCU), 2025)

The Fifth Industrial Revolution, also known as industry 5.0 or 5IR, presents a fundamental opportunity to transform the global economic landscape by integrating human capabilities with cutting-edge technologies. Leveraging ...

Demutualization of Cooperative Bank for sustainable development:

Sambuo, Damian B. (Moshi Co-operative University (MoCU), 2025)

The revitalize and emerging of the National cooperative bank of Tanzania during the year 2025 in financing cooperative societies and members against various challenges is subject to sustainability mechanism. The ...

Recently added

Moshi Co-operative University Institutional Repository [MoCU IR]: Recent submissions

Search MoCU IR

Browse

All of MoCU IR

My Account