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首页> 外文期刊>Research Journal of Finance and Accounting >Operation of Credit Union Schemes as a Strategy for Meeting the Financial Expectations of the Marginalised: The Case of Ho Municipality Credit Unions in Ghana
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Operation of Credit Union Schemes as a Strategy for Meeting the Financial Expectations of the Marginalised: The Case of Ho Municipality Credit Unions in Ghana

机译：运用信用合作社计划作为满足边缘人财务期望的战略：以加纳的何市信用社为例

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The operation of credit union schemes in developing countries plays a major role in providing financial support for the financially excluded in society. These schemes have become strategies for managing poverty and for meeting the financial expectations of the marginalised. The main objective of this study was to assess the role of credit schemes in meeting the expectations their clients and examine the challenges facing such Credit Unions and the efforts being made to improve the quality of life of members. The study analysed the financial benefits and facilities available to Credit Union members and assessed the impact the scheme was making on the lives of members. One hundred and twenty questionnaires were administered to selected members of four Credit Unions in the Ho Municipality. An analysis of the data revealed that members of the Credit Unions faced certain financial challenges like school fees, medical expenses, funeral expenses and acquisition of means of transport. It was also found out that Credit Union annual interest rates were a little higher than those charged by the banks. Nevertheless the scheme assisted members significantly in overcoming most of the financial challenges facing them. This helped in improving the quality of life of the members. Management Staff of the Credit Unions were found to lack the needed professional competence and expertise for managing the scheme. The study recommends that interest rates of Credit Unions should be reduced and the competence of management staff of the scheme should be upgraded in risk and investment management to make the schemes more sustainable.
机译：发展中国家的信用合作社计划的运作在为被社会排斥的金融者提供财政支持方面发挥着重要作用。这些计划已成为解决贫困和满足边缘人群财务期望的战略。这项研究的主要目的是评估信贷计划在满足客户期望方面的作用，并研究这种信贷联盟所面临的挑战以及为改善会员生活质量所做的努力。该研究分析了信用社会员可获得的财务利益和便利，并评估了该计划对会员生活的影响。向何市四个信用社的选定成员发放了120份问卷。对数据的分析表明，信用合作社的成员面临某些财务挑战，例如学费，医疗费，丧葬费和获得运输工具。还发现，信用社的年利率略高于银行收取的年利率。但是，该计划为会员提供了极大的帮助，帮助他们克服了他们面临的大部分财务挑战。这有助于提高成员的生活质量。发现信用社的管理人员缺乏管理该计划所需的专业能力和专业知识。研究建议应降低信用社的利率，并应提高该计划的管理人员在风险和投资管理方面的能力，以使该计划更具可持续性。

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