Matongo Chikuba Shilimi
Examining Challenges Leading to Low Integration of Savings and Credit Co-Operative Societies (SACCOs) in National Economies: A Study of Zambia
savings credit cooperative societies saccos contribute significantly towards economically empowering people easing poverty owing memberdriven structure ownership management mobilising resources advancing lowcost credit without need external collateralin zambia saccos integration low hence impetus researchthe target population included adultage zambians sample derived using multistage simple random sampling techniquesadopting quantitative approach data gathered using questionnaireanova tests statistical significance independent dependent variables f 8 269 50592p 005research findings reveal strong positive relationship use saccos awareness education financial literacy societal influence governance government regulation use saccos income significantly negative correlationthe correlation age gender use saccos significantthe study recommends government takes strategic leadership reviving sacco sector awareness education enacting enforceable legislation govern saccoscommunities empowered drive integration process employers encouraged adopt saccos organizational strategies given saccos national impact strategic role