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Journal articles on the topic 'Performance of SACCOS'

Author: Grafiati

Published: 5 June 2025

Last updated: 2 August 2025

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1

Musabi, Antony Barasa, and Dr. Willis Otuya (Phd) Rev. "Loan Security Policies and Financial Performance of Savings and Credit Cooperatives in Kakamega County, Kenya." American Based Research Journal 8, no. 10 (2019): 65–77. https://doi.org/10.5281/zenodo.3534080.

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<em>Experts have observed that Saccos sector remains fragile. Evidently, SASRA recently gave strict licenses to Saccos that had failed to meet capital requirement of Kshs 10 million. Likewise, unscrupulous Saccos have also colluded among themselves to fleece members of their deposits and investments. Further, parliament recently passed a bill that made mandatory university qualification a requirement for one to hold leadership in Sacco. Though effort by all stakeholders to save troubled Sacco sector is commendable, dynamism of Sacco sector and unending desperate effort to revamp it has now put

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2

Nyabwari, Jared Okumu, and Caroline Kimutai. "Analysis of Credit Terms and Loans Performance Among Deposit-Taking SACCOS in Nairobi City County, Kenya." Journal of Finance and Accounting 4, no. 1 (2024): 1–8. http://dx.doi.org/10.70619/vol4iss1pp1-8.

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Deposit-taking SACCOs in Kenya have consistently recorded an increasing rate of loans that are not honored as and when they become payable throughout the years. According to SASRA 2021 Sacco supervision report, the NPL in the DT-SACCOs was 5.23% in 2016, 6.14% in 2017, 6.30% in 2018, 6.15% in 2019, 8.39% in 2020, and 8.86% in the years 2021. This persistent increase in NPL among the DT-SACCOs is worrying, and the cause has not been established conclusively. This study sought to analyze how credit terms aspect of CMP affects loan performance in DT-SACCOs within the City County of Nairobi. A des

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3

Mulwa, Jonathan Mwau. "Does Financing Diversification Matter? An Evaluation of the Performance of Savings and Credit Cooperative Societies; a case of Kakamega County, Kenya." INTERNATIONAL JOURNAL OF MANAGEMENT & INFORMATION TECHNOLOGY 4, no. 3 (2013): 324–33. http://dx.doi.org/10.24297/ijmit.v4i3.770.

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Financial sector liberalization in Kenya and the far world has created an enormous spectrum from which Savings and Credit Cooperative Societies (Saccos) can raise finances from. This has coincided with a period of good performances for a number of Saccos. However, there is no certain indication of a link between the good performance and the financing diversification; it is not clear whether those Saccos who have diverse financing sources perform any better than those who rely on their members savings. This paper therefore sought to establish the effect of financing diversification on the perfo

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4

Musabi, Antony Barasa, and Dr. Willis Otuya (Phd) Rev. "Loan Collection Policies and Financial Performance of Savings and Credit Cooperatives in Kakamega County, Kenya." American Based Research Journal 8, no. 10 (2019): 78–89. https://doi.org/10.5281/zenodo.3534082.

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<em>Evidence from studies on SACCOs shows that majority of them have failed to focus on loan collection policies and financial performance of the SACCOs. This signifies existence of a gap in empirical literature. In Kenya, current reports indicate that they are on the brink of collapse as a result of liquidity problems. Government efforts through legislations to safeguard Saccos have hit a snag. Experts have observed that Saccos sector remains fragile. Evidently, SASRA recently gave strict licenses to Saccos that had failed to meet capital requirement of Kshs 10 million. Likewise, unscrupulous

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5

Mrema, Joyce Geotham, and Godbertha Kinyondo. "The Role of Savings and Credit Cooperative Societies in Financially Supporting Employed Women in Dar es Salaam, Tanzania: A Case Study of CRDB Workers SACCOS." African Journal of Empirical Research 5, no. 3 (2024): 1140–48. http://dx.doi.org/10.51867/ajernet.5.3.97.

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Savings and Credit Cooperative Societies (SACCOS) are financial cooperatives that aim to meet the financial needs of different population segments, including women, men, or other specified categories. The primary role of these financial institutions is to improve the socio-economic development of their registered members and the community at large. The aim of this study was to determine the effects of SACCOS on women's financial accessibility, specifically focusing on those working with the Cooperative Rural Development Bank (CRDB) in Dar es Salaam. The research was grounded in Agency Theory a

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6

Karuoya, Elizabeth Wairimu, and Paul Waithaka. "Strategic Planning and Performance of Savings and Credit Cooperative Societies in Nairobi City County, Kenya." East African Scholars Journal of Economics, Business and Management 6, no. 06 (2023): 113–21. http://dx.doi.org/10.36349/easjebm.2023.v06i06.003.

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SACCOs play a crucial role in granting access to sustainable fiscal assistance and are identified as most effective models in enhancing productivity with over 80% of the population in Kenya, deriving their livelihood directly or indirectly from the cooperative sector. However, SACCOs are facing challenges in performance as a result of stiff competition from other financial institutions, modern technology, problems in financial management, poor leadership, and governance issues. This review narrows the gap by evaluating the impact of strategic planning on SACCO performance in Nairobi City Count

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7

Turyasingura, John Bosco, and Moses Agaba. "Effect of Corporate Governance on Performance of SACCOs in Rubanda District South Western Uganda." International Journal of Current Science Research and Review 06, no. 01 (2023): 699–710. https://doi.org/10.5281/zenodo.7584652.

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<strong>ABSTRACT: </strong>The goal of this study was to evaluate the effect of corporate governance on the performance of SACCOs, in Rukiga District. SACCO governance was a predictor variable and performance of SACCOs was the study's outcome variables. A cross-sectional survey was the precursor to the study. Quantitative and qualitative analysis were combined with the collection and analysis of data from 109 respondents. Descriptive, bivariate, and multivariate analyses were used in the analysis, which was done on three different levels. Frequency tables were employed to portray the data

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Opiyo, Fred Odhiambo, and Prof Timothy Okech. "Effect of Savings Impediments on the Performance of Selected Saccos in Nairobi County, Kenya." Journal of Finance and Accounting 4, no. 4 (2024): 30–48. http://dx.doi.org/10.70619/vol4iss4pp30-48.

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Purpose: This study sought to assess savings impediments on performance of select SACCOs in Nairobi County, Kenya. The objectives were to examine the effects of income level on savings impediments on performance of SACCOs; to analyse the effect of interest rate on Performance of SACCOs; and to examine the influence of credit mechanisms on Performance of SACCOs in Nairobi County, Kenya. Methodology: The study was guided by a cross-sectional research design with the target population comprising of officials of five selected SACCOs. A sample size of 72 respondents was drawn from the target popula

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Mugo, David Muchangia, Muathe S.M.A, and Stephen Titus Waithaka. "Effect of Mobile Communication Services on Performance of Saccos in Kenya." European Scientific Journal, ESJ 14, no. 30 (2018): 46. http://dx.doi.org/10.19044/esj.2018.v14n30p46.

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The ubiquitous nature of mobile technologies and devices, present new challenges and opportunities for Deposit-Taking Savings and Credit Cooperative Societies (SACCOs) as they integrate them into their processes with the hope of improving their performance. To enhance their performance, Deposit-Taking SACCOs have adopted and are using mobile communication services including mobile messaging, mobile call services, mobile email, mobile chatting and mobile conferencing services. However, the effect of these mobile communication services on performance of Deposit-Taking SACCOs has not been well st

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10

Kinyua, Margaret Gakenia, and Fredrick Warui. "Financial Risk Management and Profitability of Deposit Taking Savings and Credit Cooperative Societies in Nyeri County, Kenya." International Journal of Current Aspects in Finance, Banking and Accounting 2, no. 2 (2020): 1–20. http://dx.doi.org/10.35942/ijcfa.v2i2.126.

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Profitability is a key aspect of organization financial performance. Kenya SACCOs have been rated fastest growing SACCOs in Africa. However, this growth is largely attributed to growth in membership and penetration. On the other hand the sub sector has recorded irregular trend on the profitability over the last half a decade. Though past literature has tried to link financial risk management to profitability levels, a range of knowledge gaps remain undressed. The current study therefore sought to establish the effect of financial risk management on profitability targeting deposit-taking SACCOs

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Nyumoo, Ann Kinya, Prof Felix Mwambia, and Dr Nancy Rintari. "Effect of Control Functions on the Financial Performance of Saccos in Meru County." International Journal of Finance 5, no. 1 (2020): 32. http://dx.doi.org/10.47941/ijf.429.

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Purpose: To examine the effect of control functions on the financial performance of Saccos in Meru County.Methodology: The study adopted a cross-sectional mixed design method. The study targeted a sample size of 96 respondents arrived by multiplying 4 respondents in the 24 Saccos as a basis of analysis who were operation managers, senior risk managers, internal auditors and accountants in the 24 Saccos selected Saccos in Meru County. Data was collected through use of closed-ended questionnaires and the output presented descriptively by use of mean and standard deviation. Inferential statistics

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Maina, Dennis Moogi, and Julius Miroga. "Capital Requirements and Financial Performance of Deposit Taking Sacco’s in Kenya." International Journal of Finance 10, no. 4 (2025): 23–44. https://doi.org/10.47941/ijf.2704.

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Purpose: The primary objective of this study was to investigate the relationship between capital requirements and the financial performance of deposit-taking savings and credit cooperative organizations in Kenya. The study was anchored on three theories: the pecking order theory, signaling theory, and liquidity management theory. Methodology: A descriptive study design was adopted for this study. The target population comprised of 176 DT-Saccos registered and licensed by the SASRA to operate in Kenya. The study used stratified random sampling to determine the target population. The study furth

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Vuhyah, Peter Anjeyo, Ondiek Benedict Alala, and Denis Bulla. "The Influence of Board Characteristics on Dividend Policy." International Journal of Finance & Banking Studies (2147-4486) 13, no. 3 (2024): 01–10. http://dx.doi.org/10.20525/ijfbs.v13i3.3596.

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Dividend payout is one of financial options that Saccos consider as part of the key performance indicators for Saccos. Deposit taking Saccos in Kenya have faced numerous challenges namely, governance, managerial and operational such that the performance of a number of them continues to be sub optimal according to the report by SASRA. Therefore, this study sought to examine the influence of board characteristics on dividend policy of deposit taking Saccos in Kenya under guidance by agency cost theory. The study utelized causal design and descriptive survey design. The targeted population was 40

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14

KAKAI, PHILIP, and AMBROSE JAGONGO. "Financial Soundness Indicators and Operational Sustainability of Deposit-Taking Savings and Credit Cooperatives (Saccos) in Kenya." International Journal of Current Aspects in Finance, Banking and Accounting 6, no. 2 (2024): 91–108. https://doi.org/10.35942/118xmx21.

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Deposit-taking SACCOs play a crucial role in the financial sector, especially in developing economies where access to traditional banking services is limited. The operational sustainability of SACCOs is essential not only for their members' financial well-being but also for the overall stability of the financial ecosystem. However, despite regulatory interventions aimed at strengthening financial position, many Sacco’s have indicated a declining performance as shown by decreasing returns ROA) in the last 6 years. Anchored on Agency Theory, Financial Intermediation Theory, and Pecking Order The

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15

Mathuva, David Mutua, Elizabeth Wangui Muthuma, and Josephat Mboya Kiweu. "The impact of name change on the financial performance of savings and credit co-operatives in Kenya." Management Research Review 39, no. 10 (2016): 1265–92. http://dx.doi.org/10.1108/mrr-04-2015-0097.

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Purpose This paper aims to investigate the impact of name change, if any on the financial performance of deposit-taking savings and credit co-operatives (SACCOs) in a developing country characterized by a vibrant SACCO sector. Sparse studies exist on the impact of name changes on revenue-cost performance in mutual financial institutions such as SACCOs. Design/methodology/approach The study uses a standard event methodology over a six-year period (2008-2013) to investigate the impact of name change on the return on assets (ROA) and operating profit margin (OPM). The study then uses a panel regr

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16

Winnie, Jepchumba Kiprono, and Miroga Julius. "Cost Leadership Strategy on Performance of SACCOs in Kisii County, Kenya." International Journal of Recent Innovations in Academic Research 9, no. 2 (2025): 249–56. https://doi.org/10.5281/zenodo.15470094.

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The study explored how Deposit-taking Savings and Credit Cooperative Organizations (SACCOs) contribute to financial inclusion and economic empowerment in Kenya, with a focus on Kisii County. It acknowledged the growing competition SACCOs face from commercial banks, microfinance institutions, and digital financial platforms, which poses a threat to their sustainability and performance. To address this challenge, the study aimed to evaluate the effects of cost leadership performance of SACCOs in Kisii County. The study was anchored on Porter’s Generic Competitive Strategies. A survey resea

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Gebrehiwet, Yemane Gebremeskel. "Assessment of the Performance of Saving and Credit Cooperatives: The Case of Hawelti Sub-city, Mekelle, in Northern Ethiopia." International Journal of Community and Cooperative Studies 10, no. 1 (2022): 1–29. http://dx.doi.org/10.37745/ijccs.2014/vol10n1129.

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The main objective of the study was to assess the performance of Saving and Credit Cooperatives (SACCOs) in Hawelti Sub-city. Various methodologies were used to conduct this research. A random sampling technique was used to take 214 respondents from the sample population. Both questionnaire and interview instruments were used to collect reliable data. The primary data was gathered from members of a sample SACCOs via a questionnaire. The mixed quantitative and qualitative research approaches were employed. The secondary data was used and collected from the SACCOs' audit records. Data were analy

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18

Luvisi, Moses Ayumba, Gerald Musiega Maniagi, and Maingi Muli. "Audit Committee Characteristics, Firm Size and Financial Performance of Deposit Taking Saccos in Kenya." African Journal of Empirical Research 5, no. 4 (2024): 1482–95. https://doi.org/10.51867/ajernet.5.4.124.

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The purpose of the research was to evaluate how internal audit practices and standards affected deposit-taking SACCO financial performance in Kenya. The research also sought to determine how Sacco size affected the link between the financial performance of Kenyan deposit-taking SACCOs and internal audit practices and standards. Agency theory served as the theoretical foundation for the study. The research philosophy that guided this work is in line with positivism. A descriptive survey approach was used in the investigation. Participants in the research were chief accountants, chiefs of intern

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Wangechi Ndegwa, Jane, John Kamau, and Gichuhi Kimani. "Differentiation Strategy and Performance of Deposit Taking Savings and Credit Cooperative Organizations in Kirinyaga County, Kenya." African Journal of Business and Development Studies 1, no. 1 (2024): 39–48. https://doi.org/10.70641/ajbds.v1i1.55.

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Performance is an essential indicator of the success or failure of any organization. In order to remain competitive and increase performance, businesses are increasingly adopting competitive strategies. This study sought to establish the influence of differentiation strategy on performance of deposit taking SACCOs in Kirinyaga County, Kenya. The study used a descriptive cross sectional research design and adopted a census survey where all six licensed deposit taking SACCOs operating in Kirinyaga County were considered. The study population was managers of the SACCOs giving 43 respondents. The

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Kiriinya, Ivy Gatwiri, and Kennedy Nyariki. "Effects of Leadership on Financial Performance of Deposit Taking Saccos in Meru County." Asian Journal of Economics, Business and Accounting 23, no. 17 (2023): 13–24. http://dx.doi.org/10.9734/ajeba/2023/v23i171038.

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The emergence of Savings and Credit Co-operative Societies has been hailed as one of highly captivating financial sector in the world as a result of offering an alternative to financial intermediary and economic growth. However, over and above all the poor financial performance of these SACCOs has been subject of concern and it’s hinged on inadequate corporate governance. As a result, the purpose of this research is to establish the influence of leadership on financial performance of deposit taking SACCOs in Meru County. In this study, Stakeholders theory has been chosen to guide the study. Th

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Yosa, Francis, Colin Agabalinda, and Alain Vilard Isoh. "The Mediating Effects of Board Role Performance in the Relationship Between Board Capital and Survival of Financial Cooperatives in Uganda." SEISENSE Business Review 4, no. 1 (2024): 268–85. http://dx.doi.org/10.33215/f49nrk77.

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Savings and Credit Cooperative Societies (SACCOs) in Uganda face persistent survival challenges, often associated with governance limitations and board effectiveness issues. This study investigates the association between board capital, which encompasses both human and social capital, and SACCO survival—measured through liquidity and gearing—with board role performance as a potential mediator. Data were collected from 311 participants across 60 SACCOs in a cross-sectional survey. Structural equation modeling analysis indicates that although board capital does not directly influence SACCO survi

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Raiji, Reuben Mutua, and Nickson Agusioma Lumwagi. "Influence of Staff Recruitment and Development on Performance of Saccos in Meru County, Kenya." International Journal of Business Management, Entrepreneurship and Innovation 4, no. 3 (2022): 29–38. http://dx.doi.org/10.35942/jbmed.v4i3.288.

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The Savings and Credit Co-operative (SACCO) subsector is critical to Kenya's economic growth, since it provides a distinct and crucial role in financial services. Despite this, most SACCOs continue to suffer significant losses, with some even folding, raising questions about the procedures put in place to ensure continuing success. SACCOs in Meru County, in particular, have been plagued by financial scandals and employee-related issues, resulting in poor performance, raising questions about the role of human resource practices in easing these problems. The purpose of the study was to determine

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Wairegi, M. W., and P. Waithaka. "Knowledge creation and performance of Deposit-Taking SACCOs in Nyeri County, Kenya." International Journal of Business Management and Social Research 10, no. 1 (2020): 454–552. http://dx.doi.org/10.18801/ijbmsr.100120.57.

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In order to DT-SACCOs to remain competitive in the environment characterized by uncertainty and changes, knowledge creation and proper management are paramount. The current study, therefore, sought to determine the effect of knowledge creation on performance of deposit-taking SACCOs in Nyeri County Kenya. This study applied a descriptive research design. The researcher focused on 11 licensed DT-SACCOs operating in Nyeri County. The respondents of the study were 110 management staff in the human resource, credit, ICT, marketing, finance. The study adopted census on all the 110 employees from th

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NAOME, KAKUNDWA, Dr BUWULE HENRY MUSOKE, and Dr SERWANDA ISA. "MEMBER PARTICIPATION AND LOAN PERFORMANCE MANAGEMENT OF SACCOS IN BUSHENYI DISTRICT." International Journal of Research in Education Humanities and Commerce 06, no. 01 (2025): 572–85. https://doi.org/10.37602/ijrehc.2025.6139.

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This study explores the relationship between member participation in governance and the performance of loan portfolios in Savings and Credit Cooperatives (SACCOs). The study investigates how member involvement in governance processes, access to timely information, and decision-making participation influence the financial outcomes of SACCOs, specifically focusing on loan portfolio performance. A quantitative research approach was employed, using survey data collected from 284 SACCO members in Uganda. Descriptive statistics were used to analyze the level of member participation, while correlatio

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Alecia, Elizabeth Ochido Okungu, Kisavi Mule Robert, Nyongesa Destings, et al. "Effect of Commercial Bank Loans on Financial Performance of Savings and Credit Co-Operative Societies in Kisumu, Kenya." Greener Journal of Economics and Accountancy 3, no. 1 (2014): 9–19. https://doi.org/10.15580/gjea.2014.1.1210131020.

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Savings and credit cooperative societies’ core business is mobilizing savings from members, and then providing them with credit at affordable interest rates. However, SACCOs have received stiff competition from commercial banks, as a result, many SACCO members have moved to borrow from the commercial banks. If this trend continues unchecked, the SACCO societies might collapse. Hence, the need to find out how commercial bank loans have affected the financial performance of Savings and Credit Co-operative societies. The general objective of this study was to investigate the effect of perso

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Muchiri, Timothy, and Janet Muthimi, PhD. "The Role of Competitive Strategies in Enhancing Performance of Selected DT-Saccos in Nairobi City County, Kenya." Journal of Strategic Management 5, no. 1 (2025): 23–42. https://doi.org/10.70619/vol5iss1pp23-42.

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The contemporary operational environment of organizations is characterized by rapid shifts and heightened unpredictability, driven by factors such as evolving consumer behaviour, globalization, increased competition, and market deregulation. This study investigates the impact of competitive strategies cost leadership, differentiation, customer focus, and growth on the performance of deposit-taking Savings and Credit Cooperative Societies (SACCOs) within Nairobi City County, Kenya. Grounded in the resource-based view, configuration theory, and goal-setting theory, the study utilized a descripti

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Nyaigoti, Nyasani Gilborne, Dr Julius Miroga, and Dr Gilbert Ochangwa. "Dividend Decisions and Financial Performance of Savings and Credit Cooperatives in Kisii Central Sub- County." International Journal of Economics, Business and Management Research 09, no. 05 (2025): 309–24. https://doi.org/10.51505/ijebmr.2025.9520.

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The financial performance of Savings and Credit Cooperatives (SACCOs) plays a critical role in ensuring their sustainability and capacity to meet members’ financial needs. This study sought to examine the influence of dividend decisions on the financial performance of SACCOs in Kisii Central Sub-County, Kenya. The study adopted a descriptive research design and targeted registered SACCOs operating within Kisii Central Sub-County. Data was collected using secondary data. Descriptive and inferential statistics, including regression analysis, were used to analyze the data. The findings revealed t

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Muhumed, Abdullahi Mohamed, and Clement O. Olando. "SASRA Financial Monitoring and Reporting Tools and Financial Performance of DT-SACCOS in Kenya." Asian Journal of Economics, Business and Accounting 24, no. 12 (2024): 489–506. https://doi.org/10.9734/ajeba/2024/v24i121623.

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Despite being crucial to Kenya's socioeconomic development, DT-SACCOs' financial performance is significantly impacted by issues related to financial reporting and monitoring that are getting worse. Although, there is a wealth of research on financial performance aspects including; earnings, liquidity, asset quality, and capital adequacy, the findings of extant studies are inconsistent occasioned. The current study as a consequence closed these knowledge gaps by evaluating the impact of financial tools for financial reporting and monitoring provided by SASRA on the financial performance of DT-

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Ogindo, Eunita Atieno, and Charity Njoka. "Digital Transformation and Financial Performance of Deposit-Taking Savings and Credit Co-Operatives in Nairobi City County, Kenya." Journal of Finance and Accounting 3, no. 2 (2023): 45–56. http://dx.doi.org/10.70619/vol3iss2pp45-56.

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The deposit-taking Saccos in Kenya have registered an increased amount of non-performing loans as well as a reduction in liquidity, which have affected their overall financial performance. There is little research on digital transformation and the financial performance of recipient pockets. Therefore, this study aims to examine how digital transformation affects the financial performance of Nairobi-based Saccos. Specific objectives include investigating the impact of mobile banking, ATM, agency banking, and Internet banking on financial performance. Financial intermediation theory, agency theo

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Kiambi, James Kaimenyi, Susan Kambura Mbuba, and Nancy Gacheri Rintari. "Effect of Risk Assessment on Financial Performance of SACCOs in Meru County, Kenya." International Journal of Professional Practice 11, no. 5 (2023): 14–27. https://doi.org/10.71274/ijpp.v11i5.385.

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In the quest for competitive advantage and higher profitability, financial institutions have focused on accountability. For instance, Savings and Credit Co-operative Societies (SACCOs) have been at the forefront in seeking competitive advantage through enhanced accountability. Effective internal audits help SACCOs to identify and manage risks, improve their operational efficiency, and ensure compliance with regulations and best practices. Despite the presence of internal auditors who review the organization’s internal control systems, some SACCOs experience liquidity problems and loss of funds

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Mwangudza, Charles Kai, Ambrose Jagongo, and Fredrick W. S. Ndede. "LIQUIDITY MANAGEMENT AND FINANCIAL PERFORMANCE OF TEACHERS DEPOSIT TAKING SAVINGS AND CREDIT COOPERATIVE SOCIETIES IN KENYA." International Journal of Finance and Accounting 5, no. 2 (2020): 1. http://dx.doi.org/10.47604/ijfa.1152.

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Purpose: The study objective was to establish the effect of liquidity management on the financial performance of Teachers DT Saccos in Kenya and to evaluate the moderating effect of the size on liquidity management and financial performance of Teachers DT Saccos in Kenya. Methodology: This study adopted a post-positivist research paradigm to interpret the effect of liquidity management on the financial performance of deposit-taking Saccos in Kenya. The study adopted a descriptive, survey research design. The target population was 18 Saccos classified under teachers' based DT SACCOs accor

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Njoroge, Winnifred Wairimu, Stephen Kamau, and Evelyne Maina. "Effect of Cost Leadership Strategies on the Financial Performance of SACCOs in Kirinyaga County, Kenya." Journal of Business and Strategic Management 10, no. 10 (2025): 34–53. https://doi.org/10.47941/jbsm.3016.

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Purpose: The study aimed to examine the effect of cost leadership strategies on the financial performance of Savings and Credit Cooperative Organizations (SACCOs) in Kirinyaga County, Kenya. It focused on assessing the impact of operational cost minimization and the influence of technology adoption as cost-saving strategies. Methodology: A descriptive cross-sectional research design was employed, targeting a population of 51 SACCOs in Kirinyaga County. A sample size of 45 SACCOs was determined using Yamane’s (1967) formula. Data were collected from 90 respondents (45 SACCO managers and 45 acco

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Moses, Biwott, Willy Muturi Prof, and Irungu Macharia Dr. "Financial Regulation and Firms Technical Efficiency: Does Size Matter? A Case of Deposit Taking SACCOs in Kenya." American Based Research Journal 7, no. 10 (2018): 70–79. https://doi.org/10.5281/zenodo.3456016.

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<em>The unprecedented growth of SACCOs in Kenya and its influence on the mainstream financial systems has made the sector a key target for financial regulation. The unique operating principles of SACCOs that limits the adoption of conventional CAMEL-based banking regulatory framework has led to the formulation of SACCOs Societies Act 2008. The implementation of the act started in 2010, and by 2014, all Deposit-taking SACCOs, irrespective of their size were expected to have achieved full compliance. Four years later, a number of SACCOs remain non-compliant with concerns raising over the true in

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Mutai, Japhet, and Janet Muthimi, PhD. "The Role of Management Practices in Enhancing Financial Performance of Selected Deposit Taking Saccos in Kericho and Bomet Counties, Kenya." Journal of Strategic Management 5, no. 2 (2025): 36–46. https://doi.org/10.70619/vol5iss2pp36-46.

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Persistent challenges, such as the decline in market share, clientele, and profitability, have plagued Kenya’s deposit-taking savings and credit cooperatives (DT SACCOs). As the market becomes more competitive with the entry of new participants, several DT SACCOs, particularly in Bomet and Kericho Counties, have experienced failures due to industry changes. Some have faced operational restrictions, while others have lost their licenses. The study focuses on the management practices and financial performance of selected DT SACCOs in Kericho and Bomet Counties, aiming to determine how corporate

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Simbiri, Alex Mahiva, Maniagi Musiega, and Jairus Simiyu Edwin. "Influence of Internal Audit Risk Planning Practices on the Financial Performance of SACCOs in the Western Region of Kenya." African Journal of Empirical Research 4, no. 2 (2023): 526–35. http://dx.doi.org/10.51867/ajernet.4.2.54.

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To better monitor and control risks, businesses may use risk-based internal audit (RBIA) practices. It also increases transparency and honesty in the financial reporting process. The Western Region and Kenyan Deposit Taking Savings and Credit Cooperatives (DT-SACCOs) are the primary subjects of this research. Despite having an audit department in place, some DT-SACCOs encounter difficulties in auditing their operations, such as a lack of audit evidence (too weak or incorrect) that makes it difficult for the auditor to make the proper choice or generate accurate findings. An internal audit that

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Njoroge, Winnifred Wairimu, Stephen Kamau, and Evelyne Maina. "Effects of Differentiation Strategies on the Financial Performance of SACCOs in Kirinyaga County, Kenya." Journal of Business and Strategic Management 10, no. 10 (2025): 34–52. https://doi.org/10.47941/jbsm.3012.

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Purpose: This study sought to examine the effect of differentiation strategies on the financial performance of Savings and Credit Cooperative Organizations (SACCOs) in Kirinyaga County, Kenya. Specifically, it focused on two strategic dimensions: customer loyalty differentiation and ICT technology adoption. Methodology: The study employed a descriptive research design targeting SACCO managers and accountants. Data were collected through structured questionnaires from a sample of 90 respondents comprising 45 SACCO managers and 45 accountants selected using simple random sampling within each SAC

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Carolyne, Tarus, and Eddie Simiyu. "Sacco Based Financial Characteristics and Financial Performance of Deposit Taking Savings and Credit Co-operative Societies in Kenya." Asian Journal of Economics, Business and Accounting 24, no. 9 (2024): 494–514. http://dx.doi.org/10.9734/ajeba/2024/v24i91507.

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In Kenya, Deposit-Taking Savings and Credit Cooperative Societies have faced significant challenges that have adversely impacted their financial performance. While existing literature has linked financial performance to financial characteristics, there remain conceptual and contextual gaps in empirical research. These gaps prompted the current study to examine SACCO-based financial characteristics as a tool for enhancing the financial performance of DT-SACCOs in Kenya. The study employed a descriptive research design, targeting a population of 190 DT-SACCOs. Using purposive sampling, 181 SACCO

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Lawrence, Etoromat. "Debt Management Literacy and Financial Performance of Saccos in Kumi County – Kumi Uganda." International Journal of Current Science Research and Review 05, no. 01 (2022): 109–24. https://doi.org/10.47191/ijcsrr/V5-i1-13.

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Abstract : This dissertation is presented on the topic, “Debt management literacy and financial performance of SACCOs in Kumi County”. The overall objective of the study was to determine the effect of Debt management literacy on financial performance of SACCOs in Kumi County and to achieve this the researcher used one specific objective Vinz; “To determine the effect of Debt management literacy on financial performance of SACCOs in Kumi County”. In carrying out the study, the researcher used a case study research design because of its ability to investigate the study va

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Immaculée, Mss Uwamaliya Marie. "Regulatory Framework and Performance of Saving and Credit Co-Operatives in Rwanda:A Survey of Selected Saving and Credit Co-Operatives in Gasabo District." Journal of Finance and Accounting 6, no. 3 (2022): 40–64. http://dx.doi.org/10.53819/81018102t5091.

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A regulatory framework is regulation, law, rule or other orders prescribed by authority, especially to regulate the conduct of SACCO in Rwanda. Hence, the study sought to examine the impact of the regulatory framework on the performance of SACCOs in Rwanda with specific reference to the Survey of selected SACCOs in the Gasabo District. The research used a descriptive research design. The study targeted 110 drawn from two categories SACCO staff /employees and SACCO members. The study used both primary data and secondary data. The primary data was collected using structured questionnaires both o

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Kihara, Boniface, and Shadrack Bett. "Corporate Governance Practices and Performance of Deposit Taking Sacco's in Nairobi City County Kenya." International Journal of Business Management, Entrepreneurship and Innovation 5, no. 4 (2023): 51–63. http://dx.doi.org/10.35942/3q4pwk11.

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Good performance of SACCOs is a key ingredient for its continuous existence and sustainability. The financial intermediation function carried out by SACCOs is dependent on how well they perform. Over the years, there have been various concerns by policy makers and academician over the SACCOs' dismal performance in Kenya. Despite the various corporate governance initiatives and measures implemented by important organizations such as the Centre for Company Governance, the issue of firm corporate governance remains unresolved, despite the involvement of the Capital Markets Authority and SASRA. Th

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Mwagi, Naom, and Julius Miroga. "Financial Innovations and Operational Performance of SACCOs in Kisii County, Kenya." International Journal of Finance 10, no. 4 (2025): 64–80. https://doi.org/10.47941/ijf.2714.

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Purpose: Financial innovation plays a critical role in shaping organizational performance. Financial institutions have employed various strategies to enhance their competitiveness and profitability. In Kenya, Savings and Credit Cooperative Societies (SACCOS) are vital economic actors, offering timely services such as flexible loans to individuals who prefer micro-institutions over traditional banks. This study explored the impact of financial innovation on the operational performance of SACCOS in Kisii County. It examined the effects of institutional, product, service, and process innovations

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Chebet, Joyce. "Influence of Strategic Agility Practices on the Performance of Deposit Taking Saccos in Nairobi County." European Journal of Business and Strategic Management 9, no. 3 (2024): 91–105. http://dx.doi.org/10.47604/ejbsm.3027.

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Purpose: Most businesses find it to be a challenging task to maintain positive performance always, especially in these current phases of economic meltdown. Therefore, organizations that might survive in this kind of situations are organizations that are flexible, responsive, and dynamic. These features are associated with organizations that are agile coined as Strategic Agility (SA). Overall, the study aimed to assess the impact of implementing strategic agility practices by deposit-taking SACCOS in Nairobi County on their performance. Precisely, the study examined the impact of resource fluid

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Wanjiru, Peter, and Ambrose Jagongo. "LIQUIDITY RISK AND FINANCIAL PERFORMANCE OF DEPOSIT TAKING SAVINGS AND CREDIT COOPERATIVE SOCIETIES IN KENYA." International Journal of Finance and Accounting 7, no. 1 (2022): 1–14. http://dx.doi.org/10.47604/ijfa.1465.

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Purpose: To investigate the effect of liquidity risk on financial performance of DT-SACCOs in Kenya Materials and Methods: The study will adopt descriptive research design with data comprising of secondary, panel data which will be collected from the 175 DT-SACCOs for the period of five years between the years 2016-2020. Census sampling will be adopted where all the 175 DT-SACCOs will be considered in the analysis. Data will be collected from audited financial statements and other relevant reports submitted by the DT-SACCOs to SASRA. Results: Financial performance of DT-SACCOs has

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Serem, Dorris, Dr Rashid Fwamba, and Dr Alala Benedict. "Audit Fees and Financial Performance of Deposit Taking Saccos in North RIFT, Kenya." International Journal of Innovation and Economic Development 6, no. 5 (2020): 15–27. http://dx.doi.org/10.18775/ijied.1849-7551-7020.2015.65.2002.

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The collapse of Deposit-Taking SACCOS and financial institutions in Kenya has caught the attention of the public and supervisory agencies to query the quality of audit. SACCO Societies Regulatory Authority on its inspection report indicated that SACCOs have been implicated in maladministration, scams and fraudulent dealings that led to their eventual collapse. SASRA also revoked licenses and rejected audited financial statements of some Deposit Taking SACCOs between 2013 to 2017.These financial scandals have been traced to poor audit quality. The study aimed to test the impact of audit quality

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Serem, Dorris, Dr Rashid Fwamba, and Dr Alala Benedict. "Audit Fees and Financial Performance of Deposit Taking Saccos in North RIFT, Kenya." International Journal of Innovation and Economic Development 6, no. 5 (2020): 15–27. http://dx.doi.org/10.18775/ijied.1849-7551-7020.2015.65.2002.

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The collapse of Deposit-Taking SACCOS and financial institutions in Kenya has caught the attention of the public and supervisory agencies to query the quality of audit. SACCO Societies Regulatory Authority on its inspection report indicated that SACCOs have been implicated in maladministration, scams and fraudulent dealings that led to their eventual collapse. SASRA also revoked licenses and rejected audited financial statements of some Deposit Taking SACCOs between 2013 to 2017.These financial scandals have been traced to poor audit quality. The study aimed to test the impact of audit quality

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Shilaho, Kennedy Shibeka, Maniagi Musiega, and Muli Maingi. "Interest rates drivers and financial performance of deposit-taking savings and credit cooperative societies in Kenya: The role of inflation rate." African Journal of Empirical Research 6, no. 2 (2025): 593–602. https://doi.org/10.51867/ajernet.6.2.50.

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This study aimed to examine interest rates drivers and the financial performance of deposit taking Savings and Credit Co-operative Societies [SACCOs] in Kenya. The specific objectives were to establish the effect of inflation rate on financial performance of deposit-taking SACCOS in Kenya. The study was anchored on Irving Fisher’s “Quantity Theory of Money.” A descriptive research design and correlational research design was employed in this study. Stratified random sampling was applied on a population of 176 deposit taking SACCOs to select 121 Saccos. The study used secondary data which was o

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Eric, Gaitho Macharia, and Josphat Kyalo Dr. "EFFECT OF ENTERPRISE RESOURCE PLANNING USER SKILLS ON PERFORMANCE OF SACCOS IN NAIROBI CITY COUNTY, KENYA." International Journal of Social Science and Humanities Research 12, no. 3 (2024): 254–62. https://doi.org/10.5281/zenodo.13476276.

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<strong>Abstract:</strong><em> </em>Savings and credit cooperatives encounter various obstacles that impede their capacity to deliver effective and long-lasting financial services to their members. Maintaining competitiveness and relevance in the market is crucial for a Sacco. The study sought to examine the effect of enterprise resource planning user skills on performance of Saccos in Nairobi City County, Kenya. A descriptive research design was employed, focusing on 86 IT specialists within Saccos. A sample of 69 respondents was chosen using stratified random sampling techniques. Data collec

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Opuko, Imoitet, Prof Ojera, and Maniagi Musiega. "INFLUENCE OF MANAGEMENT ACCOUNTING INFORMATION SYSTEMS ON THE FINANCIAL PERFORMANCE OF DEPOSIT TAKING SACCOS IN WESTERN REGION, KENYA." International Journal of Finance and Accounting 7, no. 3 (2022): 80–101. http://dx.doi.org/10.47604/ijfa.1654.

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Purpose: The study sought to investigate the influence of management accounting information systems on the financial performance of Deposit taking Sacco’s in western region, Kenya Methodology: The study adopted descriptive explanatory research design, 7 deposit taking SACCOs from western region with a total population of 61 employees in the management positions. Data was collected using questionnaires and analyzed through inferential statistics which involved testing of hypotheses using simple correlation regression model at 95% confidence level, multiple and hierarchical and descriptive

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Marwa, Nyankomo. "Efficiency and Profitability of Tanzanian saving and Credit Cooperatives: Who is a Star?" Journal of Economics and Behavioral Studies 6, no. 8 (2014): 658–69. http://dx.doi.org/10.22610/jebs.v6i8.526.

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The objective of this paper is to evaluate and benchmark the performance of Tanzanian Saving and Credit Cooperatives (SACCOs). Measuring the performance of these organizations is useful in helping them to monitor and control their performance and business processes and improve productivity and profitability. The study used secondary data from audited financial statements from 103 SACCOs. Technical efficiency was estimated using the data envelopment analysis approach and profitability was measured using return on assets. Then an efficiency-profitability matrix was employed to distinguish best p

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Maina, Monica. "INFLUENCE OF STRATEGIC LEADERSHIP ON FINANCIAL PERFORMANCE OF SAVINGS AND CREDIT CO-OPERATIVE SOCIETIES IN NAIROBI CITY COUNTY, KENYA." Edith Cowan Journal of Human Resource and Leadership 1, no. 1 (2021): 21–29. http://dx.doi.org/10.55077/edithcowanjournalofhumanresourceandleadership.v1i1.8.

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Purpose: There has been rapid growth and increase in number of SACCOs in Kenya. However, this has led to increased completion and the desire for small SACCOs to survive. This has led some if not all the SACCOs to find better ways of management. There has been a change in the management of SACCOs through the adoption of strategic leadership practices. This study set out to establish the influence of strategic leadership on financial performance of SACCOs in Nairobi. Design/ Methodology/Approach: The study used a correlational descriptive design. The correlational descriptive design allowe

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