Risk Management Strategies And organizational Performance of Deposit Taking Saccos in Kiambu County, Kenya
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2025-05
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Strategic Journals
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This research investigated the effect of risk management strategies on organizational success of DT-SACCOs in Kiambu County. Research design for the study was explanatory and descriptive. The unit of observation was all 14 DT-SACCOs in Kiambu County while the unit of analysis consisted of all 126 heads of department. A census study was used. The risk avoidance (β=0.0311, p=0.002), risk reduction strategy (β=0.0405, p=0.003), risk transfer strategy (β=0.0297, p=0.002) and risk retention strategy (β=0.0506, p=0.004) were found to have a positive significant impact on the success of DT-SACCOs in the County of Kiambu, Kenya. The study concluded that a risk avoidance strategy streamlines processes and implements best practices leading to improved operational efficiency, reducing costs and enhancing service delivery to members. A strong risk reduction strategy demonstrates a commitment to safeguarding members' investments which strengthen trust and loyalty among members, resulting in higher retention rates and attracting new members. Risk transfer strategy enable DT-SACCOs to maintain a more stable financial position which is crucial for building trust among members and attracting new clients, ultimately leading to increased deposits and lending activities and retaining risk enable the DT-SACCOs to develop a deeper understanding of their risk profiles, allowing for more informed decision-making and better management of financial resources. The study recommended that it was necessary to conduct comprehensive risk assessments to identify potential vulnerabilities within the DT-SACCOs. The DT-SACCOs should adopt advanced technology solutions that can significantly improve risk management through the use of data analytics and risk management software to monitor financial health, assess creditworthiness, and detect fraudulent activities in real-time. DT-SACCOs can enhance their risk transfer strategies by diversifying their investment portfolios and collaborating with insurance companies can provide DT-SACCOs with tailored insurance products that cover specific risks and the DT-SACCOs should focus on educating members about financial management and risk awareness can enhance their understanding of cooperative's operations.
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Murungi , D. K., & Muchemi, A. (2025). Riskmanagementstrategies and organizational performance of deposit taking SACCOs in Kiambu County, Kenya. The Strategic Journal of Business & Change Management, 12 (2), 1601 – 1621. http://dx.doi.org/10.61426/sjbcm.v12i2.3293