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首页> 外文期刊>Public Policy and Administration Research >Factors Affecting Sacco Membership in Kenya: A Case of Nairobi County
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Factors Affecting Sacco Membership in Kenya: A Case of Nairobi County

机译：影响肯尼亚萨科成员资格的因素：以内罗毕县为例

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Despite SACCOs being on the forefront to offer financial services to their members, they are faced with a myriad of challenges which include: poor customer care services, poor governance, lack of member confidence, low use of technology, insufficient financial services, high registration costs and increasing interest rates among others. There exists a gap in literature which this study aims to fill by trying to examine the factors affecting SACCO membership in Kenya. Specifically, the study sought to investigate the influence of financial services offered by SACCOs, members’ income and cost of SACCO services on SACCO membership in Nairobi County, Kenya. The accessible population of the study were members from 10 selected SACCOs within Nairobi County namely: Afya SACCO, Elimu SACCO, Hazina SACCO, Kenya Bankers SACCO, Kenya Police SACCO, Mwalimu National SACCO, Safaricom SACCO, Sheria SACCO, Ukulima SACCO and Kimisitu SACCO. A survey research design was used. The target population of the study consisted of 197,527 members who were drawn from the 10 selected SACCOs operating in Nairobi County. The sample size was 150 respondents from the 10 selected SACCOS in Nairobi County. Structured questionnaire were used to collect primary data. A regression model was estimated. The autonomous duration of SACCO membership by the sampled members all factors held constant was 7.35 years. On financial services offered by SACCOs, the results indicated that a unit drop in the rating of financial services reduced SACCO membership duration by 0.46 years. On absolute income of members, the results indicated that a unit increase in member’s absolute income had a positive impact in SACCO membership by 0.480 years. On the cost of SACCO membership, the results indicated that unit increase in cost of SACCO membership was likely to act as a prohibitive factor reducing duration of SACCO membership by 0.15 years. The following recommendations were made in lieu of the study’s objectives:- SACCOs should improve their financial services to attract members and retain them for many years. Some of the ways through which SACCOs can improve their financial services are through providing quarterly statements, providing loans which have short and long payment durations based on members capability and through the provision of insurance loans among others. On absolute income of members, SACCOs should continue to accommodate existing members as well as focus on targeting new members in the market who have high absolute incomes and thus high disposable incomes. On cost of SACCO services, SACCOs should ensure that that they have reasonable membership costs with no hidden charges. Members should be well informed about the costs they are likely to incur before they apply for membership. This study will be useful both to researchers and academicians and policy makers. Researchers will use it as a reference for different studies, and by enabling the development of more studies under the field of factors influencing SACCO membership not only in Nairobi but Kenya at large. Policy Makers will understand factors which affect SACCO membership so as to make judicious policies which will have robust impacts on the members and society at large.
机译：尽管SACCO一直在为会员提供金融服务方面走在前列，但它们仍面临着众多挑战，其中包括：客户服务质量差，治理差，会员信心不足，技术使用率低，金融服务不足，注册成本高以及提高利率等。通过尝试研究影响肯尼亚SACCO会员资格的因素，本研究旨在填补文献中的空白。具体而言，该研究旨在调查SACCO提供的金融服务，成员的收入和SACCO服务成本对肯尼亚内罗毕县SACCO成员资格的影响。可访问的研究人群是来自内罗毕县内10个选定SACCO的成员，这些成员是：Afya SACCO，Elimu SACCO，Hazina SACCO，肯尼亚银行家SACCO，肯尼亚警察SACCO，Mwalimu National SACCO，Safaricom SACCO，Sheria SACCO，Urialima SACCO和Kimisitu SACCO。使用了调查研究设计。该研究的目标人群由197,527名成员组成，这些成员来自在内罗毕县经营的10个选定的SACCO。样本量为内罗毕县10个选定的SACCOS中的150名受访者。结构化问卷用于收集主要数据。估计了回归模型。所有因素保持不变的抽样成员SACCO成员的自治期限为7.35年。在SACCO提供的金融服务方面，结果表明，金融服务等级的单位下降使SACCO会员资格有效期减少了0.46年。关于会员的绝对收入，结果表明，会员绝对收入的单位增加对SACCO会员资格的影响为0.480年。关于SACCO成员资格的成本，结果表明，SACCO成员资格成本的单位增加很可能会成为SACCO成员资格的有效期限减少0.15年的一个禁止因素。提出以下建议代替研究的目标：-SACCO应该改善其金融服务以吸引会员并保留他们很多年。 SACCO可以改善其金融服务的一些方法是提供季度报表，根据成员的能力提供期限短或期限长的贷款以及提供保险贷款等。关于会员的绝对收入，SACCO应继续容纳现有会员，并着重于针对市场上具有较高绝对收入并因此具有较高可支配收入的新会员。关于SACCO服务的成本，SACCO应确保其会员费用合理，无任何隐藏费用。在申请会员资格之前，应向会员充分告知他们可能产生的费用。这项研究对研究人员，院士和政策制定者都将是有用的。研究人员将使用它作为不同研究的参考，并通过在影响SACCO会员资格的因素领域（不仅在内罗毕，而且在整个肯尼亚）开展更多的研究。决策者将了解影响SACCO成员资格的因素，从而制定明智的政策，这些政策将对成员和整个社会产生强有力的影响。

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