The Influence of Entrepreneurship Orientation on Loan Repayment Evidence from Morogoro and Mvomero Teachers savings and Credits Cooperative Societies (SACCOS) Ltd


  • Joseph Magali The Open University of Tanzania, Dar es Salaam-Tanzania
  • Godfrey Japhet Jacob The Open University of Tanzania, Dar es Salaam-Tanzania


Entrepreneurship orientation, Loan repayment in SACCOS, Tanzania


This study assessed how entrepreneurship orientation influences the loan repayment performance of the Morogoro and Mvomero teachers SACCOS’ borrowers. The study specifically assessed how innovation, proactiveness, risk-taking, competitive aggressiveness, and autonomy influenced the loan repayment performance. The study applied descriptive and explanatory designs and systematic sampling to select 96 borrowers for the survey. The data were collected using a questionnaire while the analysis was done using descriptive and regression analysis. The findings from the regression analysis indicate that competitive aggressiveness and autonomy positively and significantly influenced the loan repayment performance while innovation influenced the loan repayment performance negatively. However, the study revealed that proactiveness and risk-taking did not influence loan repayment. This study recommends that SACCOS should conduct entrepreneurship orientation training for borrowers to promote loan repayment performance.

Author Biographies

Joseph Magali, The Open University of Tanzania, Dar es Salaam-Tanzania

Faculty of Business Management, The Open University of Tanzania, P.O. Box 23409, Dar es Salaam-Tanzania, East Africa.

Godfrey Japhet Jacob, The Open University of Tanzania, Dar es Salaam-Tanzania

Faculty of Business Management, The Open University of Tanzania, P.O. Box 23409, Dar es Salaam-Tanzania, East Africa.


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