Journal Articles

Now showing 1 - 3 of 3

Impact of capital adequacy on financial performance of savings and credit cooperatives societies in Meru County.
(The Strategic Journal of Business & Change Management,, 2022-10) Bashir, H. A.; Kithinji, M. M.,; Mwambia, F.
The goal of this report is to establish how capital adequacy influences the monetary performance of Meru County's licensed deposit-taking credit and savings cooperative institutions. The Pecking Order Theory was used in the study. The researcher used an expressive research design. The study focused on thirteen accredited deposit-taking SACCOS in Meru County. A catalogue of all certified deposit-compelling saccos in Meru County was used in the analysis. The survey method was used since the sample size was restricted. To achieve the aims of the research, quantitative information was scrutinized using the SPSS, which comprised both expressive and inferential statistics (SPSS version 25). To make conclusions, the study findings were analyzed, summarized, and presented using various eloquent statistical procedures. The study found out that there was a positive and significant relationship between capital adequacy and financial performance of Meru County's licensed deposit-taking credit and savings cooperative institutions. The study recommended that the executive must ensure that sufficient credit management controls are in place to guarantee that there is always optimal cash where there are strategies in place during low cash and surplus cash since either side will add to the organization's liquidity risk. Secondly, there is a need to critically examine in depth the cash management issues in both the external and internal environments that might impact cash management in institutions and to identify mitigating measures. Lastly, liquidity risk management should involve the management team’s projected cash and collateral needs, as well as the use of secondary sources of liquidity.
Influence of Customer Relations Strategies on Performance of SACCOs in Kiambu County
(INTERNATIONAL JOURNAL OF RESEARCH AND INNOVATION IN SOCIAL SCIENCE (IJRISS), 2024-03) Muiruri, Martha Njeri; Munga, Jane; Mbebe, James
Customer relationship management creates a good rapport between the organization and its customers thus enabling an organization to sustain a competitive edge in the market. Despite the importance of customer relationship management, many firms have not yet taken the full advantage that comes with managing customers effectively. This paper sought to examine the influence of customer relations strategies on the performance of SACCOs in Kiambu County. The study applied a descriptive research design. The study applied the Taro Yamane formula to come up with a sample of 250 participants. The population for the study was 250 employees of SACCOs in Kiambu County. Stratified random sampling was applied in addition to the Taro Yamane formula to come up with a sample size of 154 respondents. The study gathered data through questionnaires which were administered both physically and online. Data collected was analyzed through both descriptive and inferential analysis. Results revealed a β of 0.513 and a p-value of 0.001, between customers’ relations strategy and the performance of SACCOs. The study concluded that customer relations strategy had a positive and significant influence on the performance of SACCOs in Kiambu County. The study recommends building strong relationships with members which fosters trust, loyalty, and satisfaction, ultimately leading to increased financial stability and growth. Additionally, the study recommended that SACCOs should implement personalized communication channels, provide financial education programs, leverage technology for efficient service delivery, and continuously seek feedback to adapt strategies to members’ evolving needs. Lastly, the study recommends that SACCOs should implement robust member feedback mechanisms and actively incorporate member suggestions into decision-making processes.
Impact of Capital Adequacy on Financial Performance of Savings and Credit Cooperatives Societies in Meru County
(The Strategic Journal of Business & Change Management,, 2022) Bashir, H. A; Kithinji, M. M.; Mwambia, F.
The goal of this report is to establish how capital adequacy influences the monetary performance of Meru County's licensed deposit-taking credit and savings cooperative institutions. The Pecking Order Theory was used in the study. The researcher used an expressive research design. The study focused on thirteen accredited deposit-taking SACCOS in Meru County. A catalogue of all certified deposit-compelling saccos in Meru County was used in the analysis. The survey method was used since the sample size was restricted. To achieve the aims of the research, quantitative information was scrutinized using the SPSS, which comprised both expressive and inferential statistics (SPSS version 25). To make conclusions, the study findings were analyzed, summarized, and presented using various eloquent statistical procedures. The study found out that there was a positive and significant relationship between capital adequacy and financial performance of Meru County's licensed deposit-taking credit and savings cooperative institutions. The study recommended that the executive must ensure that sufficient credit management controls are in place to guarantee that there is always optimal cash where there are strategies in place during low cash and surplus cash since either side will add to the organization's liquidity risk. Secondly, there is a need to critically examine in depth the cash management issues in both the external and internal environments that might impact cash management in institutions and to identify mitigating measures. Lastly, liquidity risk management should involve the management team’s projected cash and collateral needs, as well as the use of secondary sources of liquidity.

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