Abstract
The study examined members' perceptions of SACCOS' credit facilities. The study used descriptive research methods, statistics, factor analysis, and ANOVA to examine members' perceptions of credit facilities offered by SACCOS in Ethiopia. It involved 400 members from 30 selected SACCOS who completed 23 closed-ended questionnaires. The study based its results on four factors: credit volume, customer service, impartiality, and affordability. Timely lending, informed action on default, fair repayment periods, and simple application formalities influenced the credit volume. Borrower capacity, reasonable interest rates, and satisfactory loan distribution were all examples of customer service. Moreover, geographic location did not significantly influence perceptions.
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