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Wiejskie spóldzielnie oszczędnościowo-kredytowe
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ISBN10: 6209536549
ISBN13: 9786209536540
Publisher: Wydawnictwo Nasza Wiedza
Published: Jan 31 2026
Pages: 72
Weight: 0.24
Height: 0.17 Width: 6.00 Depth: 9.00
Language: Polish
ISBN13: 9786209536540
Publisher: Wydawnictwo Nasza Wiedza
Published: Jan 31 2026
Pages: 72
Weight: 0.24
Height: 0.17 Width: 6.00 Depth: 9.00
Language: Polish
Celem niniejszego artykulu jest analiza wyzwań i perspektyw finansowych wiejskich spóldzielni oszczędnościowo-kredytowych w zakresie ulatwiania finansowania obszarów wiejskich w strefach East i West Gojjam przy użyciu modelu WOCCU opartego na danych zebranych i przeanalizowanych z pięciu lat audytowanych sprawozdań finansowych oraz 242 podmiotów. Badacz stwierdza, że analiza kondycji finansowej większości wiejskich spóldzielni oszczędnościowo-kredytowych w badanych obszarach w okresie objętym badaniem nie wykazala dobrej kondycji w porównaniu ze standardami doskonalości WOCCU i tylko w przypadku ograniczonej liczby wskaźników udalo się osiągnąc wyniki zgodne ze standardem, nawet przy problemach z utrzymaniem stabilności. Ponadto w zakresie mobilizacji oszczędności i uslug kredytowych RUSACCO są skuteczne w odniesieniu do niektórych istotnych cech, które są najbardziej cenione przez oszczędzających. Chociaż RUSACCO stoją przed wieloma wyzwaniami, takimi jak trudności w zaspokojeniu popytu czlonków na kredyty, slaba infrastruktura, problem funduszy kredytowych, brak pomocy technicznej ze strony urzędników ds. promocji, niewielka uwaga ze strony urzędów rządowych, brak specjalistów w sektorze oraz ograniczenia w zakresie edukacji i szkoleń dla pracowników zatrudnionych na szczeblu związkowym i wybranych komitetów na szczeblu podstawowym.
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