Analysis of Credit Terms and Loans Performance among Deposit-Taking SACCOS in Nairobi City County, Kenya

Simple item page
dc.contributor.authorNyabwari, Jared Okumu
dc.contributor.authorKimutai, Caroline
dc.date.accessioned2024-02-19T07:45:47Z
dc.date.available2024-02-19T07:45:47Z
dc.date.issued2024-02
dc.descriptionArticleen_US
dc.description.abstractDeposit-taking SACCOs in Kenya have consistently recorded an increasing rate of loans that are not honored as and when they become payable throughout the years. According to SASRA 2021 Sacco supervision report, the NPL in the DT-SACCOs was 5.23% in 2016, 6.14% in 2017, 6.30% in 2018, 6.15% in 2019, 8.39% in 2020, and 8.86% in the years 2021. This persistent increase in NPL among the DT-SACCOs is worrying, and the cause has not been established conclusively. This study sought to analyze how credit terms aspect of CMP affects loan performance in DT-SACCOs within the City County of Nairobi. A descriptive research approach was adopted in this research and the target population included 47 DT-SACCOS. A census approach was used and the 47 credit managers were the targeted responders. Descriptive and inferential statistics were employed to analyze the data collected. The findings revealed that credit terms had a negative and significant effect on loan performance. The study concluded that credit terms reduce loan performance among deposit-taking SACCOs. The research recommends that SACCO’s management should have well-stipulated credit terms that are understandable to the borrowers. The management should have flexible loan repayment periods to help them reduce the NPLs.en_US
dc.identifier.citationNyabwari , J. O. ., & Kimutai, C. . (2024). Analysis of Credit Terms and Loans Performance Among Deposit-Taking SACCOS in Nairobi City County, Kenya. Journal of Finance and Accounting, 4(1), 1–8. Retrieved from https://edinburgjournals.org/journals/index.php/journal-of-finance-and-accountin/article/view/246en_US
dc.identifier.urihttps://edinburgjournals.org/journals/index.php/journal-of-finance-and-accountin/article/view/246
dc.identifier.urihttps://ir-library.ku.ac.ke/handle/123456789/27645
dc.language.isoenen_US
dc.publisherEdinBurgen_US
dc.subjectCredit Termsen_US
dc.subjectLoans Performanceen_US
dc.subjectDeposit-Taking SACCOsen_US
dc.titleAnalysis of Credit Terms and Loans Performance among Deposit-Taking SACCOS in Nairobi City County, Kenyaen_US
dc.typeArticleen_US
Files
Original bundle
Now showing 1 - 1 of 1
Thumbnail Image
Name:
Analysis of Credit Terms and Loans Performance among....pdf
Size:
188.11 KB
Format:
Adobe Portable Document Format
Description:
Full text Research Article
Download
License bundle
Now showing 1 - 1 of 1
No Thumbnail Available
Name:
license.txt
Size:
1.71 KB
Format:
Item-specific license agreed upon to submission
Description:
Download
Collections
RP-Accounting and Finance Department