Examines the resilience of the Morwa Credit and Saving Cooperative Society, highlighting factors that promote sustainability in community-based financial institutions.
The cooperative movement has historically played a pivotal role in Botswana's socio-economic development, particularly in rural communities where it fostered collective entrepreneurship and local empowerment. Over time, however, poor management, economic liberalisation, and globalisation have undermined the sustainability of many cooperative societies, thereby leading to their gradual decline and even demise. Despite this, the Morwa Credit and Saving Cooperative Society (MCSCS), which was established in 1966 in the Morwa village within the Kgatleng District, has demonstrated remarkable resilience. This study traces the historical evolution of MCSCS, by examining its founding context, organisational structure, operational strategies, and the socio-economic factors that influenced its trajectory. This study further analyses the cooperative's achievements, challenges, and adaptive mechanisms that have enabled its longevity. By situating MCSCS within the broader narrative of Botswana's cooperative movement, the paper contributes to understanding how community-based financial institutions can endure amidst shifting economic and policy landscapes. The success of the MCSCS has seen other cooperative societies across the country observe and learn from its governance, which is characterised by accountability. The research for this project was conducted in 2016 but the information about developments has been updated up to 2025.
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Ogalaletseng Modibu (2026) studied this question.
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