Oluoch, Lilian AkinyiMuchemi, Anne2024-07-082024-07-082024-05Oluoch, L. A., & Muchemi, A. Risk Avoidance Strategy And Performance Of Non-Withdrawable Deposit Taking Saccos In Nairobi City County, Kenya.https://www.ijiras.com/2024/Vol_11-Issue_5/paper_2.pdfhttps://ir-library.ku.ac.ke/handle/123456789/28424ArticleSaccos provide savings and credit facilities to their members and like other organizations in the financial sector, it undergoes several economic challenges which threaten their growth. The non-withdrawable deposit taking Saccos subsector have undergone performance failures leading to some collapsing, hence the necessity of a successful risk management plan to meet their goals. The objective of this research was to investigate the effects of risk avoidance strategy on performance of non-withdrawable deposit taking Saccos in Nairobi County. The research was grounded on modern portfolio and agency theories. For this investigation, a descriptive research design was used and the target population constituted 132 non-withdrawable deposit taking Saccos in Nairobi County. A census method was employed to choose the 132 Saccos while purposive sampling was adopted to select 1 respondent in management position, from each of the Saccos. Primary data was gathered by questionnaires, and secondary data came from documented information in regulatory bodies reports, journals, books amongst others. Descriptive and inferential statistics were used in to analyse the data. The results of the investigation demonstrated that risk avoidance has a positive and significant (p=0.0000<0.05) relationship with performance. The study recommends that stakeholders of non-withdrawable deposit taking Saccos should focus on the use of adequate credit securities, staff and board training, and comply to regulatory laws and policies for better performance of their Saccos and other financial institutions.enRisk Avoidance strategyPerformance of Non-Withdrawable SaccosNairobi CountyArticle