Influence of strategic organizational components on the performance of deposit taking Savings and Credit Cooperatives in Kenya

Kinyuira, Daniel K.; Gathenya, Dr Jane; Muturi, Dr.Willy

doi:10.9790/487x-16617682

Cited by 4 publications

(3 citation statements)

References 22 publications

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“…En las cooperativas se requiere de la participación de los representantes como base de un principio cooperativista y es uno de los pilares básicos de la gobernanza junto con el consejo de administración y de esta manera se alienta a todos a participar en la toma de decisiones (Jansen, Maehler, & Wegner, 2018). Para el desempeño de las cooperativas es necesario utilizar estrategias que ayuden a su supervivencia y mantenerla a perpetuidad, considerando que la misma es un patrón integrador de decisiones que determinan el propósito, los objetivos de la institución, por lo tanto, las estrategias son decisiones de gestión que determinan el desenvolvimiento mediante la utilización de recursos a través del gobierno y los procesos de gestión (Kinyuira, 2017) 3. METODOLOGÍA La investigación es de carácter cualitativo-explicativo que toma la información de los informes de auditoría interna de las cinco cooperativas de ahorro y crédito del segmento uno con casa matriz en el cantón Ambato a través de una encuesta y una observación directa, y se lo contrastó con lo establecido por el organismo de control como es la Superintendencia de Economía Popular y Solidaria.…”

Section: Marco Teóricounclassified

La auditoría interna basada en riesgos y las decisiones financieras de las cooperativas de ahorro y crédito en Ambato, Ecuador

Abril

Frías

2019

ENIAC

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Las cooperativas de ahorro y crédito son instituciones que tienen como objetivo realizar actividades de intermediación financiera y de responsabilidad social para con sus socios, clientes o con terceros y están sujetas a organismo de control externo e interno como auditoría interna para precautelar los recursos, por lo que necesario analizar las decisiones financieras tomadas en base a su propio control. El presente estudio explora la relación de la auditoría interna basada en riesgos y la gestión de las decisiones financieras de fondeo e inversiones en las cooperativas de ahorro y crédito segmento uno del cantón Ambato. El análisis se basó en los informes de auditoría interna del periodo fiscal 2017 y el primer semestre del año 2018. Los resultados encontrados muestran que la metodología de auditoría interna analizada, en base al Marco Internacional para la Práctica Profesional de la Auditoría Interna mediante las guías de implementación, ha determinado que las cooperativas no enfatizan su trabajo de auditoría interna basada en riesgos en un 40%. Se concluye que, en el sector estudiado, la auditoría interna tiene correlación significativa con las decisiones financieras.

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Section: Marco Teóricounclassified

La auditoría interna basada en riesgos y las decisiones financieras de las cooperativas de ahorro y crédito en Ambato, Ecuador

Abril

Frías

2019

ENIAC

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“…They offer finance and savings services for people, businesses, and team members to facilitate chances for growth. Sacco actively acts as a financial intermediary, especially between urban, semi-urban, and rural areas, as well as between net savers and net borrowers, and it supports the maintenance of credit capital in the communities where savings are mobilized (Kinyuira, 2020).…”

Section: Introductionmentioning

confidence: 99%

Strategic Management And Organizational Performance

Agaba,

Turtasingura John Bosco,

Kabagambe Jesse David

2023

IJIBMR

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The study was set to establish the effect of strategic management on organizational performance a case of Lyamujungu SACCO. The study employed a correctional sectional research design. It involved quantitative and qualitative methods which enabled the study to evaluate the relationship between the study variables. A sample of 105 respondents were selected using simple random sampling and purposive sampling techniques. The quantitative and qualitative data from the respondents was analyzed using SPSS Version 21.0 and thematic analysis respectively. Quantitative results in form of descriptive statistics, correlations and regressions were presented in tables based on the study objectives. The study found out that strategy management, has a positive significant relationship with organizational performance of SACCOs (r = .962, P≤.01). With these findings, the study makes a contribution of providing empirical evidence that has been widely absent to channel the presently zealous discussion surrounding issues of strategic management and organizational performance in Lyamujungu SACCO. The study recommends that, for effective strategic management at Lyamujungu SACCO management should work hand with Board members and all other stakeholders implement the resolutions of the Annual general meeting as well the Board meeting.

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“…Moreover, financial performance of SACCOs is impaired by managerial inefficiencies (Kariuki, 2017). Kinyuira (2018) views that whilst Kenya has a robust SACCOs sectors, performance of the entities as evidenced by rate of dividend payout on share capital and on deposits indicates that there is a need to adopt strategies to improve on competitive advantages of the firms in the highly dynamic financial sector. Currently, the issues of poorly performing loans have caused financial problems among SACCOs.…”

Section: Introduction 11 Background Of the Studymentioning

confidence: 99%

Effect of Loan Management Practices on Non-Performing Loans for Deposit Taking Savings and Credit Cooperative Societies in Kenya

Omondi,

Muchiri

2023

IJCAFA

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Deposit taking SACCOs have contributed to financial deepening and increased financial inclusion in Kenya because they improve social and economic welfare of members. However, the sector has seen several institutions collapsing. Current studies on non-performing loans for Saccos have focused on credit management practices such as credit scoring systems and repayment enforcement practices that are specific to banks and this do not align with the goal of Sacco’s business models. This study seeks to include the practice of using guarantors and its efficacy in control of non-performing loans relative to the mainstream practices established by financial institutions like banks. The main purpose of this study was to assess the relationship between loan management practices and non-performing loans for deposit taking Savings and Credit Cooperative Societies in Kenya. The study has three specific objectives; to determine the effect of credit scoring systems on non-performing loans for deposit taking Savings and Credit Cooperative Societies in Kenya, to assess the effect of guarantorships requirements on non-performing loans for deposit taking Savings and Credit Cooperative Societies in Kenya and to find out the effect of repayment enforcement practices on non-performing loans for deposit taking Savings and Credit Cooperative Societies in Kenya. This study is anchored on three theories: lender-based theory of collateral, informal finance theory and financial intermediation theory. This study adopted a descriptive research design. The population of this study was all deposit taking SACCOs in Kenya. A sample of 44 deposit taking SACCOs within Nairobi County was selected. This study collected primary data by use of a structured questionnaire. Data analysis was done using descriptive statistics such as averages and standard deviations and inferential statistics in a regression model by use of SPSS. Presentation of data was done using tables and graphs. Results were reported using robust standard errors model. Findings showed that credit scoring systems, guarantorship requirements and repayment enforcement practices had a negative and insignificant effect on non-performing loans for deposit taking Saccos in Kenya. This means that all loan management components examined in this study better loan performance. It is recommended that SACCOs need to lay more emphasis on establishing robust and apt frameworks for mitigating non-performing loans other than those credit scoring systems, guarantorship requirements and repayment enforcement practices this has insignificant effect on non-performing loans.

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Influence of strategic organizational components on the performance of deposit taking Savings and Credit Cooperatives in Kenya

Cited by 4 publications

References 22 publications

La auditoría interna basada en riesgos y las decisiones financieras de las cooperativas de ahorro y crédito en Ambato, Ecuador

La auditoría interna basada en riesgos y las decisiones financieras de las cooperativas de ahorro y crédito en Ambato, Ecuador

Strategic Management And Organizational Performance

Effect of Loan Management Practices on Non-Performing Loans for Deposit Taking Savings and Credit Cooperative Societies in Kenya

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