Abstract:
The main purpose of this study was to determinants of saving and credit cooperatives operational
performance in case of Dano woreda . are playing its.significant contribution to poverty reduction
strategy of developing countries including Ethiopia. The main objective of the study was to
identify the determinant of SACCOs operationalperformance,To identify factors the determinants of
SACCOs Danno woreda. The study area was selected purposively. Using simple random
sampling method, eight(8) case SACCOs selected for this study by using Yamane formulae 1967,
146 members were selected based on Random sampling method and structured, semi
structured questionnaire and interview was used primary data from sample respondents.
Secondary data were collected from the secondary data of SACCOs. To analyze qualitative and
quantitative data descriptive statistics. Result of the study indicates that narrow alternate options in
collateral requirement inhibits members to get loan as they require and it becomes the causes for
excess accumulation of liquid asset in banks. Less attention of SACCOs for training and promotion
and unavailability of SACCOs were contributing for poor operational performance. Better formal
education level of members and officials contributes to have successful operation of SACCOs for
long years and minimize loan default risk. Favorable cooperative act of members trust, act of
committed management and SACCO governance contribute for good operational performance of
SACCOs. The study recommended the importance of transformation mechanism of SACCOs into
modern service delivery practice, and improving collateral system and the need for formulation of
SACCOs operational performance. Determinant determinants of SACCOs operational performed,
development workers and policy makers to improve the current Situation. These measures will
ultimately provide SACCOs, not only to the advantage of members but also for the development of
operational market at community level
