Thesis:

Organizational strategies and financial performance of large deposit taking savings and credit co-operative societies in Nairobi county, Kenya

This study investigates the organizational strategies affecting the financial performance of large deposit-taking Savings and Credit Cooperative Societies (SACCOs) in Nairobi County, Kenya. Employing a descriptive research design, the study focuses on four independent variables: risk assessment, information technology, membership size, and investment decisions, and their impact on financial performance. The research population comprises employees from all 20 licensed tier 1 SACCOs in Nairobi, with a census approach used to gather data from 80 respondents, ensuring high accuracy and reliability of results. Data collection methods included a mixed approach, utilizing both primary and secondary data. Primary data was collected through structured questionnaires, while secondary data was sourced from financial reports and publications by the Sacco Societies Regulatory Authority (SASRA). The research instruments were validated through expert opinions and a test-retest method, ensuring the reliability of the findings. Data analysis employed SPSS for both descriptive and inferential statistics, including multiple regression analysis to assess the relationships between independent variables and financial performance. Key findings indicated that effective risk assessment, robust information technology systems, optimal membership sizes, and prudent investment decisions significantly enhance the financial performance of SACCOs. The study concludes with recommendations for SACCOs to strengthen their risk management frameworks, invest in technology, engage members actively, and make informed investment choices. Suggestions for further research include exploring the impact of government policies on SACCO performance and the role of digital transformation in member engagement. This research contributes valuable insights into the operational strategies that can improve financial outcomes for SACCOs, thereby supporting their role in enhancing financial inclusion in Kenya.