UMWALIMU SAVINGS, CREDIT COOPERATIVE (UMWALIMU SACCO) AND TEACHERS' SOCIAL WELFARE IN RWANDA by Irivuzimana Aimé Muyombano Ph.D
Mbabazi Mbabazize PhD**and by Irivuzimana Aimé Muyombano Ph.D*
*Lecturer, School Communication and Development Studies, JKUAT
University, Kigali-Rwanda
** Post Graduate Coordinator at KIM University, Kigali-Rwanda
Abstract: In this Scientific Research, the
researcher investigated the contribution of
Umwalimu Saving and Credit Cooperative (Umwalimu Sacco) on socio-economic
development of teachers in Rwanda. Specifically the study was guided by the
following objectives: to assess the contribution of saving on Umwalimu Sacco that increase the socio-economic
development of teachersin Rwanda; to examine the impact of loan/credit provided
by Umwalimu socio-economic development of teachers
in Rwanda and the last determine the importance of teachers’ cooperatives
supported by Umwalimu Sacco on socio-welfare -economic development of
teachersin Rwanda.
The study used a convenient sample that
included 90 respondents out of 1276 from Primary and Secondly Teachers members of Umwalimu
Sacco in Gasabo District, Officials of Umwalimu Sacco and finally the officials
of Gasabo District. The survey was
conducted anonymously through the Internet and participants were asked to
answer a researcher-developed questionnaire such as the
contribution of saving on Umwalimu
Sacco; the
importance of loan/credit and the impact of teachers’ cooperative on
socio-economic development of teachersin Rwanda?.
The researcher
was followed the Qualitative research paradigm as a systematic subject approach
used to describe life Experiences and give meaning with a goal of gaining
insight; explore the depth, richness, and inherent complexity in the phenomenon
through specific approach which was a Case study that was described in-depth
the experience of one person, family, group, community or institution with the
method of direct observation and interaction on the subject. Data has been
obtained from the officials of the Umwalimu Sacco; Teachers of 121 Primary Schools and 82 for Secondly
Schools in Gasabo District, Officials of the Umwalimu Sacco and finally officials
of the Gasabo District; This study
demonstrated the significant impact of Umwalimu
Sacco on socio-economic
development. However, the
results indicated that there is a significant impact on socio-economic
development. Data was mainly collected using questionnaires and
content analysis has be done to make meaning to the collected qualitative date
so as to make conclusions and recommendations on the contribution impact of
Umwalimu Saving and credit cooperative (Umwalimu Sacco) on increasing the
socio-welfare of in Rwanda
and regression and correlation model has been used.
Author Prof. Dr. Rugema D. Muyombano
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