Mwacha , M. J. . “Borrower Characteristics and the Level of Non-Performing Loans Among Saving and Credit Cooperative Societies in Tanzania: Moderating Effects of the Educational Level of Loan Committee Members”. PAN-AFRICAN JOURNAL OF BUSINESS MANAGEMENT, vol. 9, no. 2, Dec. 2025, pp. 171-06, doi:10.61538/pajbm.v9i2.1898.