CONTRIBUTION OF SAVINGS AND CREDIT GROUPS (SCGs) IN IMPROVING INCOME LEVELS OF THE GROUP BENEFICIARIES IN KUSINI DISTRICT, ZANZIBAR

Abstract: This study established the contribution of savings and credit groups (SCGs) to community welfare in Kusini District, Zanzibar with a particular focus on improving income levels among beneficiaries. The study employed a mixed- methods approach using both quantitative and qualitative data collection techniques such as questionnaires, interviews, and focus group discussion from 100 respondents. The study findings reveal that the majority of SCGs members particularly women (91%) actively engage in saving and credit activities which have significantly improved their financial stability and household welfare. More than a half of respondents (56%) have been SCGs members for over four years, demonstrating long term trust and commitment to the groups. The results further show that 94% of members save weekly, while 93% have access to loans which they mainly use to start or expand small business such as food vending and retail trading. About 88% of respondents reported an increase in income after joining SCGs, indicating that the groups serve as an effective mechanism for poverty reduction and economic empowerment. Qualitative findings also highlight improved financial discipline, business growth and household asset acquisition among members. The study concludes that SCGs have been instrumental in enhancing members’ income and living standards in Kusini District. It recommends government and NGOs to strengthen financial support and entrepreneurship training to build capacity and expand capital for sustainability. Keywords: Savings and Credit Groups, Community Welfare, Income Generation, Asset Ownership, Social Services, Kusini District, Zanzibar. Title: CONTRIBUTION OF SAVINGS AND CREDIT GROUPS (SCGs) IN IMPROVING INCOME LEVELS OF THE GROUP BENEFICIARIES IN KUSINI DISTRICT, ZANZIBAR Author: Ibrahim A. Abdalla, Dr. Given M. Msomba, Dr. Frank Philipo International Journal of Social Science and Humanities Research ISSN 2348-3156 (Print), ISSN 2348-3164 (online) Vol. 13, Issue 4, October 2025 - December 2025 Page No: 193-203 Research Publish Journals Website: www.researchpublish.com Published Date: 24-October-2025 DOI: https://doi.org/10.5281/zenodo.17431147 Paper Download Link (Source) https://www.researchpublish.com/papers/contribution-of-savings-and-credit-groups-scgs-in-improving-income-levels-of-the-group-beneficiaries-in-kusini-district-zanzibar