Zimbabwe's co-operatives: unlocking their full economic potential
Zimbabwe's co-operative sector, with approximately 10,802 registered co-operatives and an estimated three million members, is a significant economic network that remains largely underdeveloped. President Emmerson Mnangagwa has identified micro, small and medium enterprises MSMEs and co-operatives as crucial for Zimbabwe's economy and the Vision 2030 agenda, noting their contribution of over 60% to the country's gross domestic product and employment for millions. The article highlights successful co-operative models in Kenya and Rwanda as examples of how proper management and integration into formal markets can lead to substantial economic impact. Kenya's co-operative sector contributes about 45% of its national GDP, while women-led agricultural co-operatives in Rwanda have significantly increased incomes through initiatives like greenhouse farming. Zimbabwe has a strong foundation, with housing co-operatives delivering around 210,000 units since 2010, 1,380 Savings and Credit Co-operative Organisations SACCOs, and 961 agricultural co-operatives. The government has demonstrated commitment through the National Cooperative Societies Development Policy, approved in December 2025 and launched in July 2026, and is reviewing the National Co-operatives Act to emphasize governance, transparency, and digitalization. To unlock the sector's full potential, three priorities are identified: stronger governance and professional capacity, better access to finance through credible records and