Kungiyar Kiran Veto Da Hadin Kai Ta Africa

**Ƙungiyoyin Veto da Haɗin kai da Ƙungiyoyin Ƙira ta Afirka,** (ACCOSCA) ƙungiya ce ta haɗin gwiwar gwamnati mai wakiltar SACCOs a Afirka. Tana aiki a matsayin ƙungiyar da ba ta gwamnati ba, ba ta siyasa ba kuma Ƙungiyar Ƙungiyoyin Ceto na Kasa don Saving and Credit Co-operative Movement tare da Sakatariyar da ke Nairobi, Kenya.

## Tarihi
An kafa ƙungiyar ACCOSCA a shekarar 1968, ta wakilan ƙungiyar Saving and Credit Unions ta Afirka tare da sauran shugabannin haɗin gwiwar Afirka. Asalinsa ya samo asali ne daga buƙatar haɓaka ƙungiyoyin haɗin gwiwar gwamnatocin Afirka da kuma haɓaka ci gaban tattalin arziƙin ƙasashe a Afirka ta hanyar SACCOs.

Tana haɗin gwiwa da Majalisar Ƙungiyoyin Lamuni ta Duniya don haɓaka ƙungiyoyin lamuni na Afirka ta hanyar shirin farfado da Afirka.  Ƙungiyar na da wani sashe da aka sadaukar domin ƙara samun lamuni ga matan karkara. 

ACCOSCA ta wargaje a cikin shekarata 2001 bayan shekaru huɗu na rashin aiki.  Membobin sun amince a ƙarƙashin sanarwar Malawi na farfado da Ƙungiyar ACCOSCA, an nada manajan darakta na KUSCCO a wancan lokaci a matsayin shugaban riko. 

## Tsarin
Babban taro shi ne mafi girman sashin kungiya. Don dacewa, an rarraba ƙasashe membobin zuwa tubalan 3 waɗanda suka haɗa da:

* **Western block** : Jamhuriyar Demokradiyyar Kongo, Senegal, Malawi, Gambia, Togo, Nigeria, Ghana, Laberiya, Burkina Faso, Cote d'Ivoire, Kamaru, Benin.
* **Toshe Gabas** : Kenya, Uganda, Tanzania, Seychelles, Habasha, Rwanda.
* **Kudancin Kudancin** : Afirka ta Kudu, Namibiya, Swaziland, Madagascar, Mauritius, Lesotho, Botswana.

Don ingantaccen haɗin kai, kowane sashe yana wakiltar daraktoci biyu a cikin ƙungiyoyin koli na ƙasashen da suke wakilta.

## Membobi
Membobin ya shafi ƙungiyoyi na ƙasa (Leagues, Ƙungiyoyi, Ƙungiyoyi, Ƙungiyoyi, Ƙungiyoyin Ƙwararren Ƙwaƙwalwa ) na Ƙarfafawa na Ƙarfafawa da Ƙwararrun Ƙarfafawa ) da ke aiki a cikin ko kuma sun dogara ne akan Nahiyar Afirka ko kowane tsibiran da ke kusa da bakin teku kuma sun san su. gwamnati a kasashensu a matsayin kungiyar da ke wakiltar Saving and Credit Co-operatives a kasar.

Membobi tare da jikin Apex

* Ƙungiyar Ƙungiyoyin Ƙwararrun Ƙwararru ta Ghana (CUA)
* Savings and Credit Co-operative League of South Africa (SACCOL)
* Ƙungiyar Savings and Credit Co-operatives (KUSCCO) ta Kenya
* Ƙungiyar Ƙungiyoyin Ƙwararrun Ƙwararrun Ƙungiyoyin Ƙungiyoyin Ƙungiyoyin Ƙungiyoyin Ƙungiyoyin Ƙungiyoyin Ƙungiyoyin Ƙasa na Gambiya (NACCUG)
* Kamaru Cooperative Credit Union League (CAMCCUL)
* Yuganda Cooperative Savings and Credit Union (UCSCU)
* Fédération des Caisses d'Epargne et de Crédit Agricole Mutuel (FECECAM) Benin
* Botswana Savings and Credit Association (BOSCCA)
* Mauritius Cooperative Savings and Credit League (MACOSCLE)
* Ƙungiyar Ƙungiyoyin  Ƙasa na Ƙasa (NACCUN)
* Ƙungiyar Haɗin kai ta Najeriya (CFN)
* Seychelles Credit Union (SCU)
* Ƙungiyar Savings and Credit Co-operatives Swaziland (SASSCO)
* Credit Union and Savings Of Zambia (CUSA Zambia)
* Ƙungiyar Ƙungiyoyin Savings na Haɗin gwiwar Haɗin kai da Ƙungiyoyin Ƙira ta Ƙasa (NACSCUZ-Zimbabwe)
* Savings and Credit Cooperative Union League Of Tanzania (SCCULT)
* Lesotho Cooperative Credit Union League Limited (LCCUL) tashar girma
* Ƙungiyar Savings na Ƙasa da Ƙwararren Ƙwararren Ƙwararren Ƙwararrun Saliyo (NASCCLOS)
* Laberiya Credit Union National Association Limited (LCUNA)
* Union des Cooperatives d'Epargne et de Credit Burkinabe (UCECB)
* Ƙungiyar Nationales Des Crep et Coopec de Cote d'Ivoire (ANAC-CI)
* Union des Cooperatives Centrales d'Epargne et de Credit au Republique Democratique du Congo (UCCEC)

## Ayyuka

## SACCA Congress
Taron Kungiyar Savings and Credit Cooperative Association of Africa na shekara-shekara ne wanda ke tattaro mambobin kwamitin na SACCOs da masu ruwa da tsaki a fadin Afirka don yin shawarwari kan batutuwan da suka shafi SACCOs.   Sunan SACCA ya musanya da African SACCO Technical Congress wanda wata ƙasa memba ce da wakilai suka zaba.  A tsawon shekaru ACCOSCA ne ta shirya wannan taron tare da kuma haɗin gwiwar gwamnatocin da ke karbar bakuncin da abokan ci gaban Majalisar Ƙungiyoyin Bashi ta Duniya, Ƙungiyar Haɗin Kan Kanada, Ƙungiyar Ƙungiyoyin Lamuni ta Irish .   

## Dandalin Shugabannin SACCO
Wannan taro ne na shekara-shekara wanda ya hada shugabannin SACCO daga Afirka, Malaman Ilimi, jami'an gwamnati, masu bincike da sauran al'ummomin duniya, don haka samar da hanyar musayar bayanai da hanyar sadarwa.  

## Dandalin Matan SACCO
Taron shekara-shekara na mata masu rike da mukaman gudanarwa a Sacco's a fadin Afirka. Wannan dandalin yana aiki a matsayin dama ta musamman na ci gaban ƙwararru inda jami'ai daga Arewacin kasar Amurka ke raba ƙwarewar su a mahimman wuraren aiki. Mahalarta kuma suna samun damar yin tunani game da hanyoyin zamani na sarrafa albarkatun ɗan adam, da kuma hanyoyin haɓaka samfura. Mata kuma suna samun raba tare da samar da hanyoyin magance matsalolin da ke fuskantar su a wurin aiki.

## Ayyuka da wallafe-wallafe
ACCOSCA na gudanar da bincike a kan batutuwa daban-daban da suka shafi duniyar haɗin gwiwar kamar al'ummomin da aka ware  da dorewar ƙungiyoyin haɗin gwiwar a Afirka 

## Duba wasu abubuwan

* Jerin Ƙungiyoyin Haɗin kai

## Manazarta

## Hanyoyin haɗi na waje

* Yanar Gizo na hukuma na Ƙungiyar Tattalin Arzikin Haɗin Kan Kuɗi da Ƙungiyoyin Bashi
* Jaridar ACCOSCA