| dc.description.abstract | The purpose of this research was to analyze the licensed deposit-taking credit and savings cooperatives in Meru County and determine the effect of liquidity risk control methods on their financial performance. From 2017 to 2020, big tiered SACCOs had the fastest growth rate compared to the rest of the pack. However, small, tiered DT-SACCOs had their growth rate decrease, reaching 7.51% in 2019/2020 after 8.69% in 2017/2018 and 7.64% in 2018/2019. The analysis was guided by the following precise objectives: Licensed deposit-compelling SACCOs in Meru County, Kenya, will have their financial performance impacted by asset quality management. This study aims to assess how licensed DT SACCOs in Meru County, Kenya fared financially after implementing a capital adequacy management strategy. This study aims to analyze how licensed DT SACCOs in Meru County, Kenya fared financially after using capital leverage management strategies. The theories of shiftability, liquidity preference, pecking order, and loanable money. The four goals of the study were accomplished through the use of an expressive research design. Meru County is home to thirteen SACCOS that have been accredited to accept deposits. This study's sample frame was based on a random selection of all SACCOS in Meru County that accepted deposits and were officially registered with the county's SASRA database. This research used a census-based methodology. To round up the main facts, the academician also compiled secondary sources. The majority of the secondary data we gathered came from reviewing the SACCO's financial statements and annual reports. To reach the study's objectives, the quantitative data was analyzed using SPSS, a statistical tool that incorporates both descriptive and inferential statistics (SPSS version 25). In order to analyze, synthesize, and present the study data for the purpose of drawing conclusions, several statistical procedures were utilized. These procedures included regularities, ratios, tables, pie charts, and bar graphs. For this multiple regression study, we used the following statistical tools: T-tests, F-tests, ANOVA, and Z-Tests with 90%, 95%, and 100% confidence intervals to examine the impact of liquidity-risk administration techniques on the financial implementation of deposit-taking SACCOs in Meru County. A favorable and statistically significant correlation between SACCOs' capital adequacy and their financial success was found in the research. Furthermore, the data demonstrated a positive and statistically significant relationship between capital leverage and the financial success of SACCOs. Finally, asset quality did not correlate with SACCO financial success in a statistically meaningful way. According to the research, SACCOs should set aside money that can be taken out if loans go into default. Secondly, the report suggests that the different SACCO governing bodies should make sure that their organizations have enough capital. Lastly, DT SACCOS should improve their fixed-charge fund profits beyond their costs by utilizing capital leverage. | en_US |
