Thesis:

Strategy determinants on organizational growth among savings and credit co-operative societies in Kisii county.

Numerous institutions establishments are currently facing the imminent risk of closure as a result of mismanagement, which has placed them in a precarious financial situation. The SACCOS, totaling 2,200 in number, were declared dormant or unknown by SASRA due to their failure to meet the required criteria. The aforementioned circumstances led to the initiation of a research investigation into strategy determinants on the SACCO growth in Kisii. The main aim in this study was to examine the effect of strategic fund mobilization, strategic investments, strategic information dissemination and evaluate the effect of portfolio loan quality on the growth of SACCOS. The research holds significance for Sacco policy makers, government officials and other scholars. The study was founded on Efficiency Structure Theory, Neoclassical Theory of Investment, Modern Portfolio Theory, and Contingency Theory. This research used descriptive research design. Population of study comprised of SACCOS situated at Kisii County. A total population from staff members in the SACCOS was 342. The sampling methodology was stratified random sampling. The sample size was 68 respondents, which corresponds to 20% of the target population. Data collection was achieved by use of questionnaires. The questionnaire was pilot tested with a sample of six respondents from selected Sacco in Kisii town. Nevertheless, this Saccos were not incorporated into the primary research project. The reliability tests were conducted by assessing its Cronbach alpha value, which was expected to exceed 0.7. The research employed both descriptive analysis and inferential statistical analyses such as regression and correlation analysis. The SPSS software was utilized to compute percentages, frequencies, mean values, and standard deviations. The study's results showed that SACCOS benefited from strategic fund mobilization, and that this benefit was statistically significant as shown by (β) 0.224, t=1.859, p value 0.05). Based on the findings of the the analysis in Saccos in Kisii County, a favourable and statistically significant correlation (β)=0.849, t=4.438, p0.05) was found between Strategic investment and organizational growth. Still, there was negative as well as notable importance amongst Strategic information dissemination and organizational growth (β) -.161, t=- .664, p value 0.05). The results showed that there was a positive and significant relationship between Portfolio loan quality and organizational growth, where the (β) value was 0.086, the t value was 0.943, and the p value was less than 0.05. The study concluded that high member default rates do hurts Sacco growth. Thus, high default rates indicated inadequate financial planning by members, which hampered Sacco expansion. Sacco invests in service diversification to boost SACCO’s growth by producing new financial products and entering new markets with stronger growth prospects. The study recommends that authorities should develop mechanisms to help SACCOS access capital for expansion and liquidity management. The authorities should invest in financial literacy and training programs for Sacco members and staff. The service users should participate in Sacco activities and meetings. They should regularly attend general meetings, contribute to discussions and vote during elections. Participating in daily operations of the Sacco promotes transparency as well as accountability. For information dissemination, other stakeholders should consider providing accurate and up-to-date information about Sacco services.