THE ORGANIZATION OF INFORMAL CREDIT AMONG SMALL FARMERS IN MOROGORO REGION, TANZANIA
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概要
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As a first study in a series of studies aimed at analysing the informal credit sector, and utilize its many positive qualities to improve rural credit in Tanzania, this paper presents the findings of a study on the organization of the informal credit market in selected farming communities in Morogoro Region. A questionnaire survey of 200 households coupled with participant observation, group interviews as well as informal discussions were used to obtain information on informal credit structures among different ethnic groups and different areas, so as to establish the objectives of borrowing and relationships determining the flow of credit in different localities and different ethnic groups. The study was conducted from May to August 1991.The study revealed that, the main categories of informal credit in the study area are commercial and non-commercial categories. In the commercial category, moneylenders dominate, while the non-commercial one is made up of friends and relatives, savings and credit groups, as well as mutual assistance groups. About 86.7% of respondents indicated informal sources as the main source of credit, with friends and relatives supplying about 47% of the credit obtained from informal sources. Loans are used for both production as well as consumption purposes, but loans for consumption purposes dominate. Proportionate borrowing from the various sources vary according to the level of economic activity and social setting, but the general mode of operation was found to be socially organized, and very similar in all areas studied.
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