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首页> 外文期刊>International Journal of Accounting, Finance and Risk Management >Effect of Unsecured Commercial Bank Loans on Financial Performance of Savings and Credit Co-Operative Societies in Kenya
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Effect of Unsecured Commercial Bank Loans on Financial Performance of Savings and Credit Co-Operative Societies in Kenya

机译：肯尼亚无抵押商业银行贷款对储蓄和信用合作社财务业绩的影响

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摘要

Changes that occur in the co-operative sector affect the development of the country and the general welfare of the members. Given the increasing aggressiveness by commercial banks in Kenya to offer unsecured loans to both their clients and non-clients and their marketing techniques that ensures wide coverage, then there is likelihood of the unsecured commercial bank loans affecting the financial performance of Savings and Credit Co-operative Societies in Kenya. Thus the general objective of this study was to establish the effect of unsecured commercial bank loans on financial performance of Savings and Credit Co-operative Societies in Kenya. The specific objectives of the study were to establish the effect of unsecured commercial banks loan amount, loan interest rate and loan tenure on financial performance of Savings and Credit Co-operative Societies in Kenya. The research adopted a causal research design. The population of the study was the 177 licensed deposit taking Savings and Credit Co-operative Societies and 43 licensed commercial banks in Kenya as at 2015. Secondary data was obtained from Savings and Credit Co-operative Societies Regulatory Authority Annual Supervision Reports and Central Bank of Kenya Bank Supervision Reports using data collection checklist. The study established that unsecured commercial banks loan amount and loan interest rates had a positive significant effect on financial performance of Savings and Credit Co-operative Societies with P-values of 0.004 and 0.03 and coefficients of 0.006468 and 0.013 respectively. Unsecured commercial banks loan tenure had a negative significant effect on financial performance of Savings and Credit Co-operative Societies with a P-value of 0.018 and a coefficient of -0.74. The findings of this study would be of benefit to the management and policy makers of Savings and Credit Co-operative Societies in formulating policies that would ensure they remain competitive amidst competition from commercial banks.
机译：合作社部门发生的变化影响着国家的发展和成员的整体福利。鉴于肯尼亚的商业银行越来越积极地向其客户和非客户提供无抵押贷款，并且其营销技术可确保广泛的覆盖范围，因此无抵押商业银行贷款有可能影响储蓄和信贷公司的财务业绩。肯尼亚的社团组织。因此，本研究的总体目标是确定无抵押商业银行贷款对肯尼亚储蓄信用合作社财务业绩的影响。该研究的具体目标是确定无抵押商业银行的贷款额，贷款利率和贷款期限对肯尼亚储蓄和信用合作社的财务绩效的影响。该研究采用了因果研究设计。这项研究的人口是截至2015年的177家持有储蓄和信贷合作社的执照存款银行和43家肯尼亚持照商业银行。次要数据来自储蓄和信贷合作社监管局年度监督报告以及中央银行。肯尼亚银行监督报告使用数据收集清单。研究发现，无抵押商业银行的贷款额和贷款利率对储蓄和信用合作社的财务绩效具有积极的显着影响，P值分别为0.004和0.03，系数分别为0.006468和0.013。无抵押商业银行的贷款期限对储蓄和信用合作社的财务绩效具有负面显着影响，P值为0.018，系数为-0.74。这项研究的结果将有利于储蓄和信用合作社的管理者和决策者制定确保其在商业银行竞争中保持竞争力的政策。

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