Determinants of Sacco credit accessibility in Imenti North Sub- County: (Record no. 86506)

MARC details
000 -LEADER
fixed length control field 03488nam a22001937a 4500
003 - CONTROL NUMBER IDENTIFIER
control field KE-MeUCS
005 - DATE AND TIME OF LATEST TRANSACTION
control field 20181217120221.0
008 - FIXED-LENGTH DATA ELEMENTS--GENERAL INFORMATION
fixed length control field 181217b xxu||||| |||| 00| 0 eng d
020 ## - INTERNATIONAL STANDARD BOOK NUMBER
International Standard Book Number
040 ## - CATALOGING SOURCE
Transcribing agency KE-MeUCS
Modifying agency KE-MeUCS
050 ## - LIBRARY OF CONGRESS CALL NUMBER
Classification number HD30.28.K3 2015
100 ## - MAIN ENTRY--PERSONAL NAME
Personal name Karanja, John Gakuu
245 ## - TITLE STATEMENT
Title Determinants of Sacco credit accessibility in Imenti North Sub- County:
Remainder of title A survey of Sacco's in Iment North Sub- County/
Statement of responsibility, etc John Gakuu Karanja
260 ## - PUBLICATION, DISTRIBUTION, ETC. (IMPRINT)
Place of publication, distribution, etc Meru:
Name of publisher, distributor, etc John Gakuu Karanja,
Date of publication, distribution, etc 2015.
300 ## - PHYSICAL DESCRIPTION
Extent x, 61p.:
500 ## - GENERAL NOTE
General note Includes Reference and Appendix
520 ## - SUMMARY, ETC.
Summary, etc The objective of SACCO'S is members' empowerment through savings mobilization disbursement of credit and ensuring long -term sustainability through prudent financial practices. A national survey conducted by Central bank of Kenya on financial access revealed that access to Sacco's credit accessibility has reduced despite the increase in credit demand. This continuous decline in access to credit shows that Sacco's and they seek for credit from other financial institutions.The specific objectives that guided the study were to determine whether products range is a determinant of credit accessibility, to establish if collateral requirement is determinant of credit accessibility to determine if product characteristics is a determinant of credit accessibility and to establish if lending procedures is a determinant of credit accessibility in Sacco's. The study adopted a descriptive research design which is concerned with describing the characteristics of a particular individual and census method was used. Data was collected through questionnaire. Descriptive statistics was used to analyze data. The study also used multiple regression analysis to test the hypothesis and the p-value from test statistic was used to determine whether any differences could be attributed to the ordinary random factors or not. This was done using SPSS Version 22 where data collected was subjected to logistic regression.The study found that credit accessibility in Sacco's is influenced by product range, collateral requirements, product characteristics and lending procedures. The findings were both supported by the frequencies of the responses from the respondents which were presented in the form of percentages. On the credit accessibility parameters,product range and product characteristics had the highest positive influence on Sacco's credit accessibility while lending procedures and collateral requirements had the last influence. The findings revealed that the number of loan applications received in Sacco's from Imenti North Sub County has dropped from significantly. This has affected the number of successful loan applications. The results of the analysis of the moderating variable revealed that government policies had a higher moderating influence on the parameters and credit accessibility. Its was recommended that Sacco's loan products should be reconfigured to ensure that they seize available credit lending opportunities and ensure they are proactive in the market place with new products which are tailor made to suit their client's needs. Based on the findings and conclusions of this study, certain issues came into light that warrant a further research. From the findings, it is clear that there are several sources of credit referencing and a further research is necessary to evaluate its implications on credit accessibility in the Sacco's sector in Kenya.
942 ## - ADDED ENTRY ELEMENTS (KOHA)
Source of classification or shelving scheme Library of Congress Classification
Koha item type Thesis
Cataloguer
Holdings
Withdrawn status Lost status Source of classification or shelving scheme Damaged status Not for loan Home library Current library Shelving location Date acquired Source of acquisition Cataloger Total Checkouts Full call number Barcode Date last seen Price effective from Koha item type
    Library of Congress Classification     Meru University Meru University Short Loan 17/12/2018       HD30.28.K3 2015 18-32394 17/12/2018 17/12/2018 Thesis
    Library of Congress Classification     Meru University Meru University Short Loan 17/12/2018       HD30.28.K3 2015 18-32395 17/12/2018 17/12/2018 Thesis

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