Relationship lending and financial performance of Savings and Credit Co-operative Societies in Tanzania

Dr. Nathaniel Naiman Towo is a lecturer at Moshi Co-operative University (MoCU) in Tanzania. He holds an Advanced Diploma in Co-operative Accounting from Co-operative College Moshi, Post Graduate Diploma in Accounting and Finance from Moshi University College of Co-operative and Business Studies, Master and PhD in Business Administration (finance) from the University of Dar es Salaam Tanzania. He has published in local and international peer reviewed journals in the areas of microfinance and co-operative management.

Dr. Esther Ishengoma is a Professor at the University of Dar es Salaam Business School (UDBS) in Tanzania. Ishengoma holds Bachelor of Commerce from University of Dar es Salaam, MBA from University of Twente and a PhD in Business Economics from Leipzig University. Her published works in local and international peer-reviewed journals are in the areas of microfinance, linkages between formal and informal financial institutions, enterprise development and formalization, energy demand and mix at the household level.

Dr. Neema Mori is a Professor at the University of Dar es Salaam Business School (UDBS) in Tanzania. She is the holder of a Bachelor of Commerce and an MBA from the University of Dar es Salaam, and a PhD in International Management from the University of Agder in Norway. She has published in local and internationally peer-reviewed journals in the areas of financial management, entrepreneurial finance, microfinance, and corporate governance.