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Journal articles on the topic 'Association of savings and credits'

Author: Grafiati

Published: 25 June 2021

Last updated: 29 July 2025

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1

Abrao Malate GOBEIA, Marisa Iva, and Efraime da Graca Armando GOBEIA. "COMMUNITY FINANCING IN FAMILY FARMING." RINTERPAP - Revista Interdisciplinar de Pesquisas Aplicadas 1, no. 1 (2025): 1–22. https://doi.org/10.47682/2675-6552.v1i1.99.

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The study was conducted in the Bolaze lowland in Marracuene, where there are savings and credit groups dedicated to horticulture production. The research aimed to understand the financial credits received and the savings made, as well as the dividends obtained (interest and fines). Additionally, it analyzed the possession of durable goods by group members and the volume of investments in economic activities (both agricultural and non-agricultural). The study also assessed the impact of these factors on the social well-being of participants, with a focus on health, housing, education, and food

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EFUNTADE, Alani Olusegun, FCIB, ACA, and Olubunmi Omotayo EFUNTADE. "Stock Market Capitalisation, Banks’ Lending and Deposit Interest Rate in Relation to Financial Liberalisation Theory in Nigeria (1985-2021)." IIARD INTERNATIONAL JOURNAL OF BANKING AND FINANCE RESEARCH 8, no. 3 (2022): 10–27. http://dx.doi.org/10.56201/ijbfr.v8.no3.2022.pg10.27.

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The paper examines the impact of deposit rates on savings, lending rates on credits and market capitalization of Nigerian Exchange group limited from 1985 to 2021, using co-integration and vector error correction approach. The specific objectives were to estimate the short-and long-run association as well as the error correction mechanism of lending interest rate and deposit interest rate and stock market capitalization in Nigeria. The outcome of the exercise validated the hypothesis of financial liberalisation theory that deposit rates on savings, lending rates on credits on market capitaliza

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Sami Ul Haq, Dr. Lala Rukh, Dr. Mohammad Sohail, Sangeen Khan, Iftikhar Hussain, and Manzoor Ahmad Khan. "The ROSCAs Participation and their Influence on Financial Position of Business." Journal for Social Science Archives 2, no. 2 (2024): 232–54. https://doi.org/10.59075/jssa.v2i2.57.

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The role of Small and Medium Size enterprises (SMEs) becoming more prominent all over the world. The most crucial and larger part of the world economies are SMEs. Rotated Savings and Credit Association (ROSCA) is cheap source of finance for SMEs. This study investigates Rotated Savings and Credit Association as a source of finance for SMEs. The objective of the study is to explore the participation of SMEs in Savings and Credit Associations and the influence of Savings and Credit Associations on the financial position of the business. To explore these issues, mix method was used for data colle

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Ankrah Twumasi, Martinson, Yuansheng Jiang, Frank Osei Danquah, Abbas Ali Chandio, and Wonder Agbenyo. "The role of savings mobilization on access to credit: a case study of smallholder farmers in Ghana." Agricultural Finance Review 80, no. 2 (2019): 275–90. http://dx.doi.org/10.1108/afr-05-2019-0055.

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Purpose The purpose of this paper is to examine the effect of savings mobilization on access to credit among smallholder farmers’ in the Birim central municipality of Ghana. Design/methodology/approach A cross-sectional primary data set was used to estimate the factors influencing smallholder farmers’ access to credit and size of loan to be borrowed using the IV-Probit and IV-Tobit model. Findings The results of the study revealed that savings mobilization has a positive significant impact on access to credit and the total amount of credit one can borrow as well. Other control variables such a

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Epper, Thomas, Ernst Fehr, Helga Fehr-Duda, et al. "Time Discounting and Wealth Inequality." American Economic Review 110, no. 4 (2020): 1177–205. http://dx.doi.org/10.1257/aer.20181096.

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This paper documents a large association between individuals’ time discounting in incentivized experiments and their positions in the real-life wealth distribution derived from Danish high-quality administrative data for a large sample of middle-aged individuals. The association is stable over time, exists through the wealth distribution and remains large after controlling for education, income profile, school grades, initial wealth, parental wealth, credit constraints, demographics, risk preferences, and additional behavioral parameters. Our results suggest that savings behavior is a driver o

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Dinç, Yusuf, Rashed Jahangir, Ruslan Nagayev, and Fahrettin Çakır. "Economics of savings-based finance: an interest-free model of rotating savings and credit association in Turkey." Journal of Islamic Accounting and Business Research 13, no. 2 (2021): 338–63. http://dx.doi.org/10.1108/jiabr-04-2021-0115.

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Purpose The emerging markets have been witnessing a remarkable revival of rotating savings and credit associations (ROSCAs) serving as alternative informal financing and investment platforms, also known as savings-based finance (SBF) in Turkey. The purpose of this study is to present the SBF model mathematically, analyse the performance of the SBF sector and propose a new Sharīʿah-compliant SBF model for the acquisition of durables. Design/methodology/approach The paper thoroughly reviews the concept and practice of ROSCA across the globe, mathematically models and empirically analyses the per

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Singh, Pukhraj, Nitin Kumar Nag, Lalit Kumar Verma, and Dushyant Kumar. "Performance and problems of self help groups (SHGs) in Meerut district of Uttar Pradesh." International Journal of Agricultural Invention 4, no. 01 (2019): 76–80. http://dx.doi.org/10.46492/ijai/2019.4.1.12.

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The present study was carried out in the rural area of Meerut district, with the objective to find out the study the performance of SHGs and problems faced by the SHGs in the study area. As a part of primary data collection, a sample (random) of 110 women respondents were selected out of 22 SHGs operating in the district. The data was collected during the period July 2018 - Dec 2018. A self-help is a small, economically and attractive group of 10-20 rural people which comes together to save small amounts regularly. It generally performs various types of economic activities with the help of the

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Tahir, Muhammad S., Daniel W. Richards, and Abdullahi D. Ahmed. "Financial literacy, attitudes, and financial satisfaction." Financial Services Review 28, no. 4 (2023): 273–301. http://dx.doi.org/10.61190/fsr.v28i4.3433.

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Unpaid credit card debt can be problematic; people should avoid it where possible. Unlike prior studies, this article examines the relative strength of the association of financial literacy, attitude toward balancing spending and savings, and financial satisfaction with credit card debt- taking behavior by analyzing the 2016 wave of the Household, Income and Labor Dynamics in Australia (HILDA) Survey. We find that higher financial literacy is associated with less credit card debt. However, incorporating the other factors reduces this relationship. Our results advise policy-makers to include co

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Astuti, Riska Dwi. "ROTATING SAVINGS AND CREDIT ASSOCIATION (ARISAN): IMPACT STUDY ON HOUSEHOLD-LEVEL ANALYSIS." JURNAL DINAMIKA EKONOMI PEMBANGUNAN 5, no. 1 (2022): 1–15. http://dx.doi.org/10.14710/jdep.5.1.1-15.

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Despite the fact that informal financial service is one of the most important alternative solutions for those in need yet do not have the capability to access the formal ones, its role is understudied. This study aims to analyze the impact of one of the informal financial services that have been developing within communities, rotating savings and credit association that is popular in term of arisan in Indonesia, on household economy measured by its spending on food and non-food. Using information from two latest data of Indonesian Family Life Survey processed with the difference in differences

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Ateiwi Alrawahdeh, Salah Turki, and Ali Abdel Fattah Hamda Zyadat. "The Role of the Islamic Banks in Increasing Domestic Saving and Funding Economic Development in Jordan." WSEAS TRANSACTIONS ON BUSINESS AND ECONOMICS 18 (May 21, 2021): 905–15. http://dx.doi.org/10.37394/23207.2021.18.86.

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This article explored the role of Islamic banks in increasing the amount of domestic savings and funding the economic development process in Jordan during the period (2010-2019). A descriptive analytical approach was adopted. The data was obtained from the Association of Banks in Jordan. It was analyzed through carrying out the linear regression analysis. The researchers concluded that the assets of Jordanian Islamic banks increased. That indicates that there was an increase in the savings of Islamic banks. They found that the total credit facilities provided by Islamic banks to individuals an

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Sadr, Seyed Kazem. "The optimum size of rotating qarḍ ḥasan savings and credit associations". ISRA International Journal of Islamic Finance 9, № 1 (2017): 15–26. http://dx.doi.org/10.1108/ijif-07-2017-003.

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Purpose Several indigenous credit and savings schemes have been accredited recently in developing countries for the benefit of households and entrepreneurs alike. Famous among them are the Rotating Savings and Credit Associations (ROSCAs) that exist in almost all continents currently. The rapid development of ROSCAs and their varied structures in many countries have been the subject of numerous studies. What has not been thoroughly analysed is the optimum size of these associations and the fact that lending and borrowing is without interest. The aim of this paper is to present a model that wou

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Widyastuti, Pristiana, Ari Soeti Yani, and Kustiadi Basuki. "Household Financial Management through Arisan for Saving and Lending Association in Kiarasari Village [Pengelolaan Keuangan Rumah Tangga melalui Peranan Arisan Simpan Pinjam di Desa Kiarasari]." Proceeding of Community Development 2 (February 21, 2019): 55. http://dx.doi.org/10.30874/comdev.2018.96.

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Household financial problems occur due to expenditure exceeds income. Ideally, financial planning is based on the amount of expenditure divided into 40% for consumption or living cost, 30% for credit, 20% for savings or investment and 10% for another unexpected cost. The most important things that need to be done in managing household finances is the existence of savings or investment. However, the people of Kiarasari Village, Sukajaya Sub-District, Bogor District still face several obstacles such as minimum road access and lack of banking retail. Arisan in Kiarasari Village was expected to be

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Abel Feleke. "Review on the Role of rural Saving and Credit Cooperatives in Improving Rural Farmers‘ Socio-economic Activities in Ethiopia." Pacific International Journal 1, no. 3 (2018): 116–28. http://dx.doi.org/10.55014/pij.v1i3.59.

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Rural Saving and Credit Cooperatives (RuSACCOs) are the main financial solution of the people who have low income level.Rural saving and credit cooperatives are considered to have immense potential in financing short term loans for agricultural production technologies and undertake off-farm income generating activities in rural areas where both the state and the private sector have failed. Cooperatives and socio-economic development in Ethiopia has its own Economic significance, Employment creation, income generation and poverty reduction, Social protection, Cooperative representation. Coopera

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van den Brink, Rogier, and Jean‐Paul Chavas. "The Microeconomics of an Indigenous African Institution: The Rotating Savings and Credit Association." Economic Development and Cultural Change 45, no. 4 (1997): 745–72. http://dx.doi.org/10.1086/452306.

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Umar, Haruna S., and Emmanuel Peter. "Level of Savings among Maize Farmers in Doma Local Government Area of Nasarawa State, Nigeria." Journal of Agricultural Extension 25, no. 1 (2021): 38–47. http://dx.doi.org/10.4314/jae.v25i1.3s.

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The study examined level of savings among maize farmers in Doma Local Government Area of Nasarawa State, Nigeria. Multistage sampling procedure was used to select 80 respondents in the study area. Primary data were collected using well-structured questionnaire. Data were analyzed using descriptive statistics and Multiple Linear Regression. The results show that half of the respondents (50.0%) were within the age bracket of 21 - 40 years with a mean age of 42 years. Majority (83.8%) of the respondents were married. About 26.2% of the respondents had between 11 and 15 years of farming experience

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Drost, Madeleine, Cäzilia Loibl, Anastasia Snyder, and Michael Betz. "The association of financial resources and loneliness among older adults during a state of emergency." PLOS ONE 20, no. 1 (2025): e0314042. https://doi.org/10.1371/journal.pone.0314042.

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This study focuses on the initial wave of the COVID-19 pandemic in Spring 2020 in the United States to assess how liquidity constraints were related to loneliness among older adults. Data are from the COVID Impact Survey, which was used to collect data in April, May and June 2020 across the U.S. (n = 5,664). We use means comparison tests and linear regressions and find that emergency savings, rather than household income, predict loneliness among older adults during the initial COVID-19 wave. Emergency savings, especially enough to avoid using credit cards, was most predictive of older adult l

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Odoh, Ngozi Ekunyi, Simon Uguru Nwibo, Anayochukwu Victor Eze, and Esther Onyinyichi Igwe. "Farmers income and savings pattern in Benue State, Nigeria." Journal of Agricultural Extension 24, no. 1 (2020): 128–37. http://dx.doi.org/10.4314/jae.v24i1.13.

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The study analysed farmers’ income and savings pattern in Benue State. Both multi-stage random and purposive sampling procedures were employed to select 140 respondents for the study. The study employed primary data which were collected through the use of the structured questionnaire. The result showed that farm size, level of access to credit, diversification of income sources, types of investment and risks inherent in the business are the major determinants of the income level of the small scale farmers. The farmers engaged in the following farm activities, crop production, hunting, fishing,

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Wysocka, Ewa. "Ewolucja regulacji prawnych w bankowości spółdzielczej w Polsce." Studia Iuridica 72 (April 17, 2018): 431–56. http://dx.doi.org/10.5604/01.3001.0011.7646.

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Cooperative banking in Poland has more than 150 years of tradition, going back to the period of Partitions. The first Polish credit associations and cooperatives were established in Greater Poland in the years 1861–1862, in the fashion of credit cooperatives for farmers established by Friedrich Raiffeisen and the so-called cooperative “people’s banks” associating craftsmen, that were founded by Franz Schultze. In 1899, on the territory of the Austrian Partition, small credit institutions, the so-called “Stefczyk Savings Unions” (“Kasy Stefczyka”), were created, associating mainly farmers, In t

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Ajija, Shochrul Rohmatul, and Asif Iqbal Siddiqui. "Impact of Joining Rotating Savings and Credit Association (Rosca) on Household Assets in Indonesia." Journal of Developing Areas 55, no. 3 (2021): 205–16. http://dx.doi.org/10.1353/jda.2021.0061.

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Azar, Alex M. "FIRREA: Controlling Savings and Loan Association Credit Risk Through Capital Standards and Asset Restrictions." Yale Law Journal 100, no. 1 (1990): 149. http://dx.doi.org/10.2307/796766.

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Sharma, Hemlata, Aparna Andhalkar, Oluwaseun Ajao, and Bayode Ogunleye. "Analysing the Influence of Macroeconomic Factors on Credit Risk in the UK Banking Sector." Analytics 3, no. 1 (2024): 63–83. http://dx.doi.org/10.3390/analytics3010005.

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Macroeconomic factors have a critical impact on banking credit risk, which cannot be directly controlled by banks, and therefore, there is a need for an early credit risk warning system based on the macroeconomy. By comparing different predictive models (traditional statistical and machine learning algorithms), this study aims to examine the macroeconomic determinants’ impact on the UK banking credit risk and assess the most accurate credit risk estimate using predictive analytics. This study found that the variance-based multi-split decision tree algorithm is the most precise predictive model

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Rao, Preethi, and Sharon Buteau. "Modelling credit and savings behaviour of chit fund participants." Gates Open Research 2 (May 4, 2018): 26. http://dx.doi.org/10.12688/gatesopenres.12767.1.

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Chit funds are a form of Rotating Saving and Credit Association (ROSCA) prevalent in India. In this institution, a group of individuals pool in equal amounts of money at a fixed frequency, and at every time period a round of competitive bidding takes place among the individuals to identify a borrower for the collected amount. The borrower foregoes his/her right to participate in further auctions, but continues paying his/her share of the pool till every individual in the group has collected the pooled amount. The auction process relies on the bidders’ willingness to give up a certain amount of

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Kule, John Baguma Muhunga, Nixon Kamukama, and Frederick Nsambu Kijjambu. "Financial Accountability and Financial Performance of Savings and Credit Cooperatives in Mid-Western Uganda." American Journal of Accounting 4, no. 1 (2022): 28–38. http://dx.doi.org/10.47672/ajacc.1204.

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Purpose: To establish the association between financial accountability and Financial Performance of SACCOs in Mid-Western Uganda. Methodology: A cross-sectional research design and positivist paradigm were used to collect data from 93 SACCOs in Mid-Western Uganda using a close-ended questionnaire. Besides, a standard linear regression analysis was conducted. From the target population of 122 SACCOs, a sample of 93 SACCOs was selected using probability sampling technique. Findings: The study established a positive significant association between financial accountability and Financia

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Baguma Muhunga Kule, Dr John B., Dr Frederick Nsambu Kijjambu, Professor Nixon Kamukama Professor Nixon Kamukama, and Dr John Rwakihembo. "Internal Control Environment and Financial Accountability of Savings and Credit Cooperatives in Mid-Western Uganda." American Journal of Accounting 5, no. 1 (2023): 38–48. http://dx.doi.org/10.47672/ajacc.1468.

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Purpose: To test the association between internal control environment and financial accountability of SACCOs in Mid-Western Uganda. Methodology: The study adopted a cross-sectional research design and positivist paradigm to gather data from 93 SACCOs in Mid-Western Uganda using a closed-ended questionnaire. Data was analyzed using the standard linear regression. Findings: The study depict a strong positive significant association relationship between internal control environment and financial accountability of SACCOs in Mid-Western Uganda. Unique Contribution to Theory, Pract

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Duran León, Claudia Vanessa, Julio Noe Flores Gutiérrez, and Ada Mabel Gutiérrez Hernández. "Evaluación de una propuesta tecnológica basada en la aplicación de Blockchain para la inclusión financiera en grupos de ahorro." Realidad Empresarial, no. 19 (December 13, 2024): 20–32. https://doi.org/10.51378/reuca.vi19.8711.

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Financial inclusion has boomed with various initiatives and community-based entities, such as savings groups, seeking to offer alternatives to sectors underserved by traditional financial institutions. The digitisation of traditional services has revolutionised social life by democratising access to a wide range of services, including investments, credit, financing and savings, thanks to decentralised technologies. Although blockchain technology is in its early stages of mass adoption, it has already demonstrated efficiency in solving problems linked to financial inclusion through various prot

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Patra, Sudip, and Sayantan Ghosh Dastidar. "Finance and Growth: Evidence from South Asia." Jindal Journal of Business Research 7, no. 1 (2018): 37–60. http://dx.doi.org/10.1177/2278682118761747.

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The article examines the empirical relationship between financial development and economic growth for five South Asian countries over the time period 1990–2015, using both panel model approach and time series analysis. We employ multiple proxies for financial development, namely, foreign direct investment, total debt service, gross domestic savings, domestic credit to private sector by banks, and domestic credit provided by financial sector to test the relationship. The panel model approach results indicate that there is an overall positive association between finance and growth for South Asia

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Skoczek, Jacek. "Problematyka członkostwa w kasach oszczędnościowo-kredytowych w orzecznictwie Sądu Najwyższego w latach 2019–2022." PRAWO i WIĘŹ, no. 43 (January 25, 2023): 173–86. https://doi.org/10.36128/priw.vi43.622.

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The article is an analysis of three judgments of the Supreme Court issued in the years 2019-2022 regarding the issue of membership in cooperative savings and credit unions. The first of these judgments concerns the liability of members for losses incurred in connection with the declared shares. The description of the current legal status is preceded by a short historical outline of the development of members additional liability. Lawsuits were initiated by the trustees of the bankruptcy estate of credit unions, who demanded additional payments from members for double liability despite the lack

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Sallawu, Halima and Hassan, Nafisat Mohammed. "EFFECTS OF SAVINGS AND INVESTMENT ON FOOD SECURITY STATUS OF FARM HOUSEHOLDS IN SELECTED LOCAL GOVERNMENT AREAS OF NIGER STATE, NIGERIA." Journal of Agripreneurship and Sustainable Development 4, no. 1 (2021): 114–29. http://dx.doi.org/10.59331/jasd.v4i1.188.

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The study examined effects of savings and investment on food security status of farm households in Agaie and Katcha local government areas of Niger State, Nigeria. A total of 120 respondents were used for the study and data collected through interview and questionnaire process. Descriptive statistics, food security index, Ordinary Least Squares (OLS) regression and Exploratory Factor Analysis (EFA) were used to analyze the data. The results revealed the mean age, household size, and farming experience were 38 years, 7 members and 19 years, respectively. Results of the savings and investment pa

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Manohar, Louis. "Growth of SHG-Bank Linkage Programme – A Comparative Study of Six Regions in India." International Journal of Research in Humanities and Social Studies 2, no. 8 (2015): 28–37. https://doi.org/10.5281/zenodo.44913.

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The SHG-Bank Linkage Programme in India has been a flag-ship programme of National Bank for Agriculture and Rural Development (NABARD), with the objective of enabling the poorest of the poor to access financial resources to increase household income and to achieve sustained livelihood. The purpose of the study was to explore the penetration and growth trend of SBL programme in the six regional divisions of India. Results indicated significant association between savings per SHG, credit disbursed per SHG and loan outstanding per SHG. Growth rate of savings per SHG was less, compared to growth r

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Liu and Sathye. "Bank Interest Rate Margin, Portfolio Composition and Institutional Constraints." Journal of Risk and Financial Management 12, no. 3 (2019): 121. http://dx.doi.org/10.3390/jrfm12030121.

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This study empirically examines how the bank specific factors, macro-economic, and institutional variables impact interest margins in China’s banking sector. A panel data analysis of bank data for the period 1988–2015 was carried out. We found a significant association between credit quality, risk aversion, liquidity risk, and the proportion of corporate and industrial loans and the adjusted interest spread (AIS). GDP growth rate, inflation, and the proportion of national savings to the GDP were found to have significant association with the AIS. Furthermore, institutional variables were found

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Ngome Chisika, Sylvester, and Chunho Yeom. "The Key Factors Affecting Tree Producer Associations Involved in Private Commercial Forestry in Kenya." Sustainability 12, no. 10 (2020): 4013. http://dx.doi.org/10.3390/su12104013.

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Formal tree producer associations are critical for the sustainable management of private commercial farm forests in Kenya. However, there is limited information on their current status and the key factors driving their operations in the country. This paper sought to address this informational gap by reviewing the existing literature in the country from the theoretical background of sustainable development and later validating the obtained findings with the current state of knowledge at regional and global levels. Results from document content analysis indicate that there are over 10,000 tree g

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Hilmi, Angela. "The Alfredo Namitete Agroecology Credit System: A New Business Model That Supports Small-Scale Lending." Sustainability 11, no. 15 (2019): 4062. http://dx.doi.org/10.3390/su11154062.

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A major obstruction in the development of sustainable agriculture is the weakness of the financial and banking sectors in supporting smallholder farming. While farmers need to invest in their farms, they struggle to find credit schemes adapted to their specific needs. This study explores the literature on a range of credit systems applied in different geographical and historical contexts to analyse the underlying drivers of their successes or otherwise. In light of this review, the study investigates a farmers’ association, Alfredo Namitete (AN), in Mozambique, offering a range of agroecology

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Yassin, Byamukama, and David Ongabi Nyambane. "Role of Credit Risk Management on Financial Performance of Saving and Credit Cooperatives in Ntungamo District Uganda." International Journal of Research and Scientific Innovation XII, no. III (2025): 577–88. https://doi.org/10.51244/ijrsi.2025.12030042.

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Savings and Credit Cooperatives (SACCOs) face numerous challenges, including poor governance and management, inadequate financial management and reporting, and limited financial resources and funding. Inefficient operations and outdated technology also hinder their effectiveness, while regulatory compliance challenges and competition from other financial institutions add to the pressure. SACCOs are normally established to help the members in the area to save and get easy access to credit facilities. To achieve the above, the government of Uganda has endeavored to put in place mechanisms includ

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Mwakapala, David A., Cosmas S. Mbogela, and Sarah Ngomuo. "Firm-Specific Characteristics and Compliance with International Financial Reporting Standards: The case of Savings and Credit Cooperative Societies in Tanzania." African Business Management Journal 2, no. 2 (2024): 15–27. http://dx.doi.org/10.58548/2024abmj22.1527.

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Compliance with International Financial Reporting Standards (IFRSs) has been a subject of scholarly interest in the literature due to its recognised role in influencing the quality of financial reports and enabling users to make informed decisions. However, evidence on the association between firm-specific characteristics and compliance with IFRSs in Tanzanian Savings and Credit Cooperative Societies (SACCOS) is scarce. To address this knowledge gap, this study examines how size, age, category, leverage and liquidity affect compliance with IFRSs in Tanzanian SACCOS. The study employed a quanti

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Chen, Tingqiang, Qinghao Yang, Yutong Wang, and Suyang Wang. "Double-Layer Network Model of Bank-Enterprise Counterparty Credit Risk Contagion." Complexity 2020 (October 30, 2020): 1–25. http://dx.doi.org/10.1155/2020/3690848.

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Banks and enterprises constitute a multilayered, multiattribute, multicriteria credit-related super network due to financial transaction behaviors, such as credit, wealth management, savings, and derivatives. Such a network has become an important channel for credit risk cross-contagion. This study constructs a two-layer network model of credit risk contagion between the bank and corporate counterparties from the perspective that banks do not withdraw loans from enterprises by considering the influence of corporate credit defaults on their counterparties under the credit linkage. This study an

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Amaroh, Siti, Husnurrosyidah Husnurrosyidah, and Ely Masykuroh. "Financial Attitude, Trust, and ROSCAs' Member Commitment: Social Relations as Mediating Factor." GLOBAL BUSINESS FINANCE REVIEW 28, no. 3 (2023): 35–49. http://dx.doi.org/10.17549/gbfr.2023.28.3.35.

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Purpose: This research examines the function of social relationships in the association between financial attitudes and trusts toward member commitment of informal financial institutions, notably the rotating savings and credit association in Indonesia. Design/methodology/approach: The study consisted of 207 female participants, and a partial least square structural equation modelling was utilized to test the hypotheses. All items' validity and reliability were confirmed through inner and outer model testing. Findings: The study found that financial attitudes and trust did not sign

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Fu, Wenxin, Qijun Jiang, Jiahao Ni, and Yihong Xue. "Digital Transitions and Sustainable Futures: Family Structure’s Impact on Chinese Consumer Saving Choices and Marketing Implications." Sustainability 17, no. 13 (2025): 6070. https://doi.org/10.3390/su17136070.

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Family structure has long been regarded as an important determinant of household saving, yet the empirical evidence for developing economies remains limited. Using the 2018–2022 panels of the China Family Panel Studies (CFPS), a nationwide survey that follows 16,519 households across three waves, the present study investigates how family size, the elderly share, and the child share jointly shape saving behavior. A household fixed effects framework is employed to control for time-invariant heterogeneity, followed by a sequential endogeneity strategy: external-shock instruments are tested and re

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Bundi, Mercy Gacheri, Wilson Muema, and Clement Nkaabu. "COMPETITIVE STRATEGIES AND MARKET SHARE OF SAVINGS AND CREDIT CO-OPERATIVES IN MERU COUNTY, KENYA." International Journal of Business Strategies 2, no. 2 (2017): 1. http://dx.doi.org/10.47672/ijbs.284.

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Purpose: The purpose of this study was to establish the competitive strategies’ effect on the market share of savings and credit cooperatives in Meru County, Kenya.Methodology: This study was quantitative in nature and utilized a descriptive research design. The study target population was 53 SACCOs registered in Meru Country. Stratified proportionate random sampling technique was used to select the sample. The study sample size was 120 respondents. The main instrument for the study was the use of questionnaires that were administered to the respondents. The data and information obtained throu

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Abimbola. O, Ademola, Ben-Caleb Egbide, Adegboyegun Adekunle. E, Eluyela Damilola. F, Falaye Adebanjo. J, and Ajayi Abiodun. S. "Rotating and Savings Credit Association (ROSCAs): A Veritable Tool for Enhancing the Performance of Micro and Small Enterprises in Nigeria." Asian Economic and Financial Review 10, no. 2 (2020): 189–99. http://dx.doi.org/10.18488/journal.aefr.2020.102.189.199.

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Han, Shenchao, Qiang Zhang, and Liyun Liu. "The Risk Management Mechanism of China’s Bidding Rotating Savings and Credit Association: A Case Study of Chengnan Village in Wenzhou." Emerging Markets Finance and Trade 56, no. 13 (2019): 3095–105. http://dx.doi.org/10.1080/1540496x.2019.1587609.

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Dhungana, Bharat Ram. "Does Loan Size Matter for Productive Application? Evidence from Nepalese Micro-finance Institutions." REPOSITIONING The Journal of Business and Hospitality 1 (November 20, 2016): 63–72. http://dx.doi.org/10.3126/repos.v1i0.16043.

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This paper examines the loan size and its productive application after involvement in micro-finance programme in western development region of Nepal. The paper is based on primary sources of data collected through structured questionnaires. The survey includes 500 clients from four districts of western development region both from government and Private microfinance institutions. The study shows that there is positive association between size of savings and loans, size of savings and loan application, current loan size and ethnicity, loan size and duration of membership, and finally loan size

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Kabui, Jackline Wairimu, and Samuel Maina. "Rebranding Strategies and Performance of Savings and Credit Cooperative Organization in Kirinyaga County, Kenya." International Journal of Business Management, Entrepreneurship and Innovation 3, no. 2 (2021): 1–14. http://dx.doi.org/10.35942/jbmed.v3i2.184.

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Many SACCOs operating in Kirinyaga County are facing fierce international and local competition forcing relocation to other counties and shop closure to others. Different branding strategies are being employed by SACCOS in order remain competitive in the increasing volatile business environment. Hence this research will investigate how Kirinyaga County Savings and Credit Cooperative Organization’ performance is influenced by rebranding strategies. The specific objectives were to examine how corporate culture revision, product differentiation and business process reengineering influence perform

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Kadima, Aggrey, Mary Nelima Sindani, and Muli Maingi. "Credit Risk Management on Financial Performance of Selected Microfinance Institutions." African Journal of Empirical Research 4, no. 2 (2023): 778–84. http://dx.doi.org/10.51867/ajernet.4.2.79.

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The purpose of this study was to look at the impact of credit risk management on the financial performance of a few Kenyan microfinance firms. The study's approach was a descriptive survey research design and a panel data analysis technique. The study comprised credit managers from all 52 Kenyan microfinance institutions registered in the Association of Microfinance Institutions in Kenya (AMFI) database. The study included all of the institutions that were targeted. The questionnaire, which had previously been tested on local microfinance banks in Kakamega County, was used to collect data. Dat

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Rodima-Taylor, Daivi, and Erik Bähre. "INTRODUCTION: MUTUAL HELP IN AN ERA OF UNCERTAINTY." Africa 84, no. 4 (2014): 507–9. http://dx.doi.org/10.1017/s0001972014000461.

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African communities are witnessing a perplexing proliferation of diverse arrangements of mutual security that draw upon old and new solidarities and inventively merge market logic with reciprocal forms of distribution and sharing. The dynamics of such voluntary arrangements and their broader social impacts emerge as increasingly important topics of study. The changing nature of global economies poses challenging questions about the novel relationships between state and market, and the potential of human agency to find alternatives to address growing inequalities. This collection focuses on loc

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EROĞLU, ŞEBNEM. "Informal Finance and the Urban Poor: An Investigation of Rotating Savings and Credit Associations in Turkey." Journal of Social Policy 39, no. 3 (2010): 461–81. http://dx.doi.org/10.1017/s0047279409990699.

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AbstractThis study focuses on the organisation among poor households of rotating savings and credit associations locally known in Turkey as gün. Based on a longitudinal study of 17 households, the research demonstrates the distinctive ability of various güns to operate smoothly under inflationary conditions. Unlike the predominant portrayal of güns as a leisure activity for middle-class women, they are shown to act as a self-welfare instrument whereby poor households acquire the discipline of saving towards both their consumption and investment needs. Contrary to the conventional view, these h

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Lomuria, Napua Shadrack, Kadian Wanyonyi Wanyama, and Catherine Laura Mamuli. "Diversification Expansion Strategies and Performance of Savings and Credit Co-Operative Societies in Turkana County, Kenya." Cross Current International Journal of Economics, Management and Media Studies 2, no. 2 (2020): 22–33. http://dx.doi.org/10.36344/ccijemms.2020.v02i02.001.

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Studies in the Savings and Credit Co-Operative Societies (SACCOs) sector have recently received a lot of attentions globally and locally. The SACCOs have experienced growth and diversification in the range of products and services in the market. The purpose of this study was to establish the effect of expansion strategies and performance of SACCOs in Turkana County, Kenya. The study sought to establish the effect of diversification expansion strategies on performance of SACCOs. The study was anchored on the Resource Based Theory and Igor Ansoff’s Theory. The research designs of the study were

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Njora, Grace Wambui, and Priscilla Ndegwa. "Motivation and Employee Retention in Savings and Credit Co-Operative Societies in Nairobi City County, Kenya." International Journal of Business Management, Entrepreneurship and Innovation 2, no. 3 (2020): 87–101. http://dx.doi.org/10.35942/jbmed.v2i3.137.

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This study sought to assess how motivation affect employee retention in Savings and Credit Co-operative societies in Nairobi City County. The researcher conducted the study in SACCO societies located in Westlands sub-county.The objectives were as follows: to determine the effect of employee rewards in promoting employee retention in SACCO societies; to establish how job design affect employees retention in SACCO societies; and to evaluate how career opportunities affect employee retention in SACCO societies. The evaluation was done using questionnaires tailored towards collecting primary data

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Mathuva, David Mutua, and H. Gin Chong. "Impact of regulatory reforms on compliance with mandatory disclosures by savings and credit co-operatives in Kenya." Journal of Financial Regulation and Compliance 26, no. 2 (2018): 246–70. http://dx.doi.org/10.1108/jfrc-04-2016-0036.

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Purpose This paper aims to utilize institutional theory to examine the impact of the 2008-2010 regulatory reforms on compliance with mandatory disclosures by savings and credit co-operatives (SACCOs) in Kenya. Design/methodology/approach Two-stage least squares panel regression approach is utilized to analyse data covering 1,272 firm-year observations for 212 SACCOs over a six-year period, 2008-2013. An analysis of the pre- and post-regulation impacts on compliance with mandatory disclosure requirements is also performed. Findings The results, which are in support of the institutional theory,

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Simachenya, Choolwe D., and Lubinda Haabazoka. "The effects of Financial Sector Development on the Foreign Direct Investment (FDI) inflows in Zambia." East African Finance Journal 4, no. 2 (2025): 77–106. https://doi.org/10.59413/eafj/v4.i2.5.

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This research investigates the effect of Financial Sector Development on the Foreign Direct Investment (FDI) inflows in Zambia. This study adopts a quantitative approach utilizing econometric modelling to analyze the relationship between financial development indicators and FDI inflows over a 32-year period from 1990 to 2022. Financial Sector development in this study refers to four key indicators and these are Credit to the private sector, Broad Money Supply, Stock Market Capitalization, and Gross Domestic Savings. The research employs various statistical techniques to ensure the reliability

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Onyina, P. A. Onyina. "The financial mechanism for the poor: Evidence from Ghana." Pentvars Business Journal 6, no. 1 (2012): 53–64. http://dx.doi.org/10.62868/pbj.v6i1.96.

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Traditionally, it is assumed without empirical evidence, that poor people are too poor to save hence hove been ignored by formal financial institutions. However, there exists a body of evidence showing the saving powers of the poor when given the chance. This paper presents some of the financial instruments used by poor people and gives brief discussions on the types of savings tools poor people use. These tools, the Rotating Saving Credit Associations (ROSCAs) and the Susu system, are traced to their historical roots. We then use data to show that clients of a microfinance institution activel

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