Abstract: The main aim of the study was to analyze the effect of physical financial access and information technology access on performance of savings and credit cooperative societies in Kenya. Gabriel Tarde’s Social Theory was used in the study. The researcher used qualitative and quantitative research design. The researcher relied on primary source of data derived from a sample of 81 SACCOs officials within a population of 164 SACCOs country wide. The sampling technique which the researchers used in the study was stratified random sampling with purposive sampling techniques. The researchers’ administered both open and closed questionnaires. The data was analyzed using inferential and descriptive statistics from SPSS research tool and the result of the analysis presented in form of tables. The findings of the study indicated that physical financial access and information technology access have an average positive significant relationship with the financial performance of SACCOs in Kenya. Hence, the researcher observed that physical financial access and information technology access plays a significant role in determining the financial performance of SACCOs in Kenya. Consequently the study concluded that physical financial access and information technology access influenced the performance of savings and credit cooperative societies in Kenya Financial physical access and information technology access were significant at p≤0.05. The researcher recommends further research to investigate the other aspects like cost innovative inclusions that affect the financial performance of the savings and credit cooperative societies in Kenya.
Keywords: Physical access indictors, Usage access indictors, quality access indictors, information technology access indictors
Title: EFFECT OF PHYSICAL FINANCIAL ACCESS AND INFORMATION TECHNOLOGY ACCESS ON PERFORMANCE OF SAVINGS AND CREDIT COOPERATIVE SOCIETIES IN KENYA
Author: Noah Kipchumba Biego, Kibati Patrick, Phillip Ragama
International Journal of Social Science and Humanities Research
ISSN 2348-3156 (Print), ISSN 2348-3164 (online)
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