ABSTRACT

Using qualitative methods, this article examines savings groups that have been in operation for five to ten years in Tanzania to understand internal and external factors influencing savings group longevity and explore member perception of how long-term participation affected the well-being of their households and children. Although groups did not consistently adhere to best practices, they viewed good leadership, trust, and love as the most important factors for sustainability. Poor loan repayment, low savings rates, and dependence on external support represented the greatest challenges to sustainability. Respondents perceived ongoing positive outcomes across several areas of well-being for their households and children.

摘要

本文使用定性方法，考察了在坦桑尼亚运营了五到十年的储蓄团体，以了解影响储蓄团体寿命的内在和外在因素，并探讨成员对长期参与如何影响其家庭幸福感的认识。孩子们。尽管团体并不始终遵循最佳实践，但他们将良好的领导才能，信任和关爱视为可持续发展的最重要因素。不良的贷款偿还，低的储蓄率以及对外部支持的依赖是可持续性的最大挑战。受访者认为他们的家庭和儿童在多个福利领域都取得了持续的积极成果。