Thesis (MDF)--Stellenbosch University, 2012. / Union Régionale des Coopèratives d’Epargne et de Crédit (URCOOPEC) is a network of 10
savings and credit cooperatives, established in 1990 by UNDP in Chad to support the
government’s strategy of strengthening and improving access to financial services to the
population. All the cooperatives are located in and around N’djaména the capital city of Chad.
URCOOPEC has developed as a microfinance model owned by the community that is able to help
the poor population that is excluded from the formal financial services accessing these services.
Despite its potential of reaching people even in remote areas, literature about previous studies in
other countries has indicated that sustainability of savings and credit cooperatives is hampered by
the issues in corporate governance, management, skills, product development amongst others.
This study examines the viability of this model in the context of Chad; particularly it examines the
conditions for which this model can better contribute to financial sector development in Chad. The
findings reveal that the model was helpful and accepted by many users at its earlier stage.
However, weaknesses in corporate governance, credit management and shortage of skills have
led this URCOOPEC into difficulties. There is a need for training of technical staff and for the board
to develop more products, sensitize the members about their rights and duties. URCOOPEC also
needs financial support from government and donors as well as linkage with commercial banks to
better contribute to the provision of financial services to the population.
| Identifer | oai:union.ndltd.org:netd.ac.za/oai:union.ndltd.org:sun/oai:scholar.sun.ac.za:10019.1/97164 |
| Date | 03 1900 |
| Creators | Claude, Djekilamber |
| Contributors | Smith, Johan, Stellenbosch University. Faculty of Economic and Management Sciences. Graduate School of Business. |
| Publisher | Stellenbosch : Stellenbosch University |
| Source Sets | South African National ETD Portal |
| Language | en_ZA |
| Detected Language | English |
| Type | Thesis |
| Format | x, 64, 8 p., col. map |
| Rights | Stellenbosch University |
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