Microcredit management in Ghana: development of co-operative credit unions among the Dagaaba

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Microcredit management in Ghana: development of co-operative credit unions among the Dagaaba

Type: Doctoral Thesis
Title: Microcredit management in Ghana: development of co-operative credit unions among the Dagaaba
Author: Gheneti, Yeshanew
Publisher: Leiden Ethnosystems and Development Programme (LEAD), Department of Cultural Anthropology and Development Sociology, Faculty of Social Sciences, Leiden University
Issue Date: 2007-06-27
Keywords: Credit union
Dagaaba, Ghana
Development policy
Indigenous knowledge systems
Integrated management systems
Local institutions
Abstract: "This thesis focuses on the historical development, the organizational management and the role of credit unions among the Dagaaba in the Upper West Region of Ghana. Co-operative credit unions are well-established financial institutions, with a capacity to mobilize local savings and provide microcredit services to which poor and the low-income people can get access. This study analyses the main factors, namely the local socio-economic dynamics and institutions, and external influences, notably from the Roman Catholic Mission, the Government and NGOs, all of which contributed to laying a foundation for the establishment of the first credit union in Jirapa in 1955 and the subsequent extension to other parts of Ghana. The study also reveals that, through decades of constant interactions between various local and external stakeholders, credit unions have developed an integrated management system which forms a synergy of diverse organizational procedures and practices which also incorporates the local organizational knowledge. This integrated management system has undoubtedly facilitated the active participation of members in the credit unions and also has contributed to the resolution of such recurrent credit union problems as loan delinquency. At an individual level, access to savings and micro-credit facilities has improved the socio-economic conditions of most of the members to a certain extent and more generally credit unions have also contributed to local community development."
Description: Promotor: L.J. Slikkerveer
With summary in Dutch
Faculty: Faculteit der Wiskunde en Natuurwetenschappen
Citation: Gheneti, Y., 2007, Doctoral thesis, Leiden University
Handle: http://hdl.handle.net/1887/12295

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