Credit Risk Management and Efficiency of Savings and Credit Cooperative Societies: A Review of Literature

Aduda, Josiah; Obondy, Stephen

doi:10.47260/jafb/1117

Cited by 7 publications

(6 citation statements)

References 13 publications

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“…Furthermore, the prevalence of married members in all three SACCOS highlights the significance of these cooperatives as financial institutions catering to family-oriented needs (Aduda & Obondy, 2021). The educational distribution across the SACCOS is diverse, with notable variations in the levels of illiteracy and higher education attainment (Table 1).…”

Section: Resultsmentioning

confidence: 99%

Unveiling the Dynamics of Service Quality and Member Loyalty: A Comparative Analysis of Different Savings and Credit Cooperatives in Nepal

Sapkota,

Poudel Rai,

Bhattarai

et al. 2023

Jjis

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This study explores the level of service quality and member satisfaction within the context of Savings and Credit Cooperatives (SACCOS) in Nepal. By using data from a survey of 1209 randomly selected SACCOS members, the study dealt with the demographic composition, service quality perceptions, and member satisfaction levels across three distinct SACCOS: Bindabasini-Kavrepalanchock, Mahila Milan-Makawanpur, and Siddhartha-Kapilbastu. The analysis uncovers intriguing patterns in demographic characteristics and establishes a positive correlation between service quality dimensions and both member loyalty and positive words of mouth. The findings highlight the crucial role of tailored service quality dimensions in fostering member loyalty, positive advocacy, and overall cooperative success. Findings of this study not only contributes to the understanding of cooperative management strategies but also provides insights for the enhancement of member experiences, leading to sustained growth and impact. Thus, the findings of this study have important implications for cooperatives, researchers, policy makers, cooperative movement, government for devising appropriate intervention to enhance members’ satisfaction levels.

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Section: Resultsmentioning

confidence: 99%

Unveiling the Dynamics of Service Quality and Member Loyalty: A Comparative Analysis of Different Savings and Credit Cooperatives in Nepal

Sapkota,

Poudel Rai,

Bhattarai

et al. 2023

Jjis

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“…Koperasi di Indonesia telah berhasil berkontribusi dalam meningkatkan pertumbuhan ekonomi, mengurangi kemiskinan menciptakan lapangan kerja, serta meningkatkan kesejahteraan dan kemakmuran rakyat Indonesia (Aduda & Obondy, 2021;Purmiyati & Handoyo, 2022). Sehingga pemerataan kesejahteraan sosial dapat tercapai di masyarakat dan dapat mengurangi kemiskinan.…”

Section: Pendahuluanunclassified

Aplikasi Keuangan Koperasi Simpan Pinjam “Permata Ngijo” Berbasis Teknologi Informasi

Azis,

Susanti,

Sarosa

2024

IJCSL

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Pengabdian ini didasarkan pada kebutuhan mendesak Koperasi Simpan Pinjam (KSP) "Permata Ngijo" di RT. 01 RW 14 Desa Ngijo, Kecamatan Karangploso, Kabupaten Malang, yang menghadapi tantangan dalam pengelolaan keuangan mereka. KSP ini memiliki 32 anggota dan telah berhasil dalam memutarkan dana sebesar hampir 100 juta rupiah. Namun, pengelolaan koperasi masih sangat sederhana dan manual menggunakan Microsoft Excel, yang mengakibatkan masalah kompleks dalam pengolahan data. Tujuan utama pengabdian ini adalah meningkatkan efisiensi dan efektivitas pengelolaan koperasi melalui pengembangan aplikasi berbasis informasi tentang simpan pinjam. Jenis pengabdian yang dilakukan adalah pengembangan teknologi informasi, yang melibatkan pengurus dan anggota KSP sebagai subjeknya. Metode pelaksanaan pengabdian melibatkan pengembangan aplikasi mobile yang dapat diakses oleh pengurus dan anggota koperasi. Selain itu, pelatihan dan pendampingan diberikan kepada anggota koperasi untuk memastikan mereka dapat menggunakan aplikasi tersebut. Hasil utama pengabdian ini adalah pengembangan aplikasi "Permata Ngijo" yang berhasil meningkatkan efisiensi pengelolaan KSP. Survei kepuasan menunjukkan bahwa aplikasi ini sangat bermanfaat bagi pengurus maupun anggota koperasi. Secara keseluruhan, pengabdian ini membawa implikasi positif dalam pengelolaan keuangan KSP "Permata Ngijo". Dengan adanya aplikasi ini, pengelolaan simpan pinjam menjadi lebih transparan dan mudah diakses. Implikasi jangka panjangnya adalah bahwa pengembangan aplikasi serupa dapat digunakan oleh koperasi lain untuk meningkatkan efisiensi operasional mereka.

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“…SACCOs comprise more than a half of all cooperatives in Kenya and as financial institutions, they play a critical role of financial intermediation in Kenya's financial landscape focusing mostly on personal development (Mursoi, Muturi & Ndegwa, 2021). Aduda and Obondy (2021) explains that SACCOs provide financial services, especially to the unbanked. SACCOs in Kenya have stepped in to fill this credit gap by offering loans at more favourable terms (Mohamed, Njuguna, & Maende, 2022).…”

Section: Background Of the Studymentioning

confidence: 99%

Financial Risk and Profit Persistence of Deposit-Taking Savings and Credit Cooperatives in Kenya

Mlawasi

2023

JOFA

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Compliance with the prudential standards as prescribed in the saving and Credit Cooperatives Societies Act 2008 and the subsequent regulation of 2010 has continued to be a problem. The study sought to establish the effect of financial risk on profit persistence of deposit taking savings and credit co-operatives. To achieve this, the study was directed by specific objectives that included: establishing the effect of credit risk, risk of liquidity, market risk and risk of investment on profit persistence of deposit taking savings and credit co-operatives. The study also sought to establish the moderating effect of operational efficiency on the relationship between financial risk and profit persistence of deposit taking savings and credit co-operatives. The study targeted 174 deposit-taking saving and Credit Cooperatives as per the records at Sacco Societies Regulatory Authority 2022. This study was anchored on the agency theory, stakeholders’ theory, and the enterprise risk management theory. This study used a descriptive study approach. The sample population of the study included 174 deposit-taking savings and credit cooperatives, this was a census study. The study used secondary data from audited financial statements. The study findings revealed that credit risk was negatively and significantly related with profit persistence of deposit taking savings and credit co-operatives in Kenya (β=-0.0224311, p=0.000); liquidity risk was negatively and significantly related to the profit persistence of deposit taking savings and credit co-operatives in Kenya (β= -0.0522383, p=0.001); market risk positively and significantly related to the profit persistence of deposit taking savings and credit co-operatives in Kenya (β=0.0305016, p=0.025) and investment risk was negatively and significantly related to the profit persistence of deposit taking savings and credit co-operatives in Kenya (β=-0.0811061, p=0.040). Moreover, the study established that operational efficiency had significant moderating effect on the relationship between financial risk and profit persistence of deposit taking savings and credit co-operatives in Kenya. The study concludes that financial risks exposure for deposit taking savings and credit co-operatives in Kenya influences their profit persistence significantly because of their nature of operation. The study thus recommends that the managements of deposit taking savings and credit co-operatives in Kenya should consider employing portfolio-level controls to mitigate financial risks in their establishments. Keywords: Financial risk, credit risk, risk of liquidity, market risk, risk of investment operational efficiency, profit Persistence

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Credit Risk Management and Efficiency of Savings and Credit Cooperative Societies: A Review of Literature

Cited by 7 publications

References 13 publications

Unveiling the Dynamics of Service Quality and Member Loyalty: A Comparative Analysis of Different Savings and Credit Cooperatives in Nepal

Unveiling the Dynamics of Service Quality and Member Loyalty: A Comparative Analysis of Different Savings and Credit Cooperatives in Nepal

Aplikasi Keuangan Koperasi Simpan Pinjam “Permata Ngijo” Berbasis Teknologi Informasi

Financial Risk and Profit Persistence of Deposit-Taking Savings and Credit Cooperatives in Kenya

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