Abstract:
The concern of the study is analyzing the financial performance and related problems of primary
saving and credit cooperative society’s located in SNNPR, Gamo Gofa Zone, and Boreda
Woreda. Therefore, the main objective of the study is analyzing the studied cooperative growth
level through ratio analysis. Moreover, the factors related with saving mobilization strategy, loan
disbursement and recovery practices, the leaders required financial skills and knowledge of the
studied cooperative was given emphasis by the researcher.
Quantitative research design is used to analyze the level of financial growth by analyzing the
data for the period 2006 – 2014. The population of the study consists of 4 audited primary SCCSs
and the primary and secondary data collected from these cooperative societies was descriptively
and exploratory analyzed using descriptive statistics, ratios and tables. Moreover, a non
probability purposive sampling technique was applied for selecting SCCSs which were
consecutively audited between the years 2006 up to 2014. Simple random sampling technique was
used to select respondents (committee members) from the selected cooperatives. Accordingly,
from the total 64 numbers of committee members 55 taken as sample size based on sample size
formula referenced in this thesis. The hypothesis was analyzed using T-test through spss
statistical software.
As a result the study found that absence of inadequate liquidity status, low profitability,
inefficiency and inadequate solvency position of the studied cooperative societies. Besides, lack of
adequate saving and credit mobilization strategy, poor loan disbursement and collection
practices and absence of adequate financial skill and related knowledge of leaders of cooperative
influence performance of these SCCSs. Therefore, the study concluded that SCCS’s need to
improve on their liquidity, profitability, efficiency and solvency position and also needs to
improve their saving and credit mobilization strategy, loan disbursement and recovery practic es
and enhancing the financial skill and knowledge required to leaders of the studied cooperatives.
