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首页> 外文期刊>Journal of Finance and Investment Analysis >Financial Engineering and Financial Performance of Deposit Taking Savings and Credit Co-operative Societies in Kenya.
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Financial Engineering and Financial Performance of Deposit Taking Savings and Credit Co-operative Societies in Kenya.

机译：存款的金融工程和财务绩效，肯尼亚储蓄和信贷合作社。

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摘要

The study explores the effect of financial engineering on financial performance of deposit taking Savings and Credit Co-operative Societies (SACCOs) in Kenya. Population constituted of 163 SACCOs and a sample of 45 was considered. The results depicted that SACCOs have adopted financial engineering practices in three forms: product engineering, process engineering and financial solutions engineering. In terms of their effect on performance, only process engineering was found to have a positive and significant relationship with financial performance. Product engineering and financial solutions engineering were found to have a positive but insignificant relationship was obtained. The study recommends that SACCOS should adopt financial engineering practices so as to improve their performance. More focus should be on process engineering. As such, SACCOs should automate their operations, adopt paperless services, use mobile banking services platform, use electronic funds transfer and install ATMs so as to improve their performance. In terms of control variables, the amount of loans were found to positively and significantly influence financial performance. As such, SACCOs should strive to derive products that can increase their level of loans.
机译：该研究探讨了金融工程对肯尼亚储蓄和信用合作社（Saccos）的储存财务绩效的影响。考虑了163个Saccos的人口和45个样本。结果表明，SACCOS已采用三种形式的金融工程实践：产品工程，工艺工程和金融解决方案工程。就其对绩效的影响而言，仅发现工艺工程与财务表现有积极和重要的关系。发现产品工程和金融解决方案工程具有积极但不足的关系。该研究建议SACCOS应采用金融工程惯例，以提高其表现。更多的重点应该是过程工程。因此，SACCO应该自动化其运营，采用无纸服务，使用移动银行服务平台，使用电子资金转移并安装ATM以提高其性能。在控制变量方面，发现贷款的数量积极，并影响财务表现。因此，Saccos应该努力推导出可以提高其贷款水平的产品。

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