Demutualization of Cooperative Bank for sustainable development:

Abstract

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 study examined demutualization of a Kilimanjaro regional cooperative bank to a national tier, known the National Cooperative Bank (NCB). Data collection engaged questionnaires from 54 sampled cooperative societies and 162 cooperative leaders. Exploratory factor analysis was employed to identify bank sustainability strategies. Indicators of outcome for sustainability was captured by using a binary multiple regression model. The findings explored that, with effective bank operational; inclusive management; adhere with Bank implementation process; these are strategies subjected to influence NCB sustainability. Externalities, financial crisis, and financial markets are indicators found to influence NCB sustainability. Lastly, prior to the NCB take-off, financial crisis mitigation and risk assessment strategies are recommended. Coops and policymakers are recommended to ensure Cooperative identity is maintained. Further, merging and acquisition perception by NCB, Noncooperative shareholders is recommended for further study.