Branch Managers Research Articles

The Role of Agile Management in Achieving Creativity among employees in Bank of Palestine

The study aimed to identify the role of agile management in achieving creativity among Bank of Palestine employees, indicate the availability of agile management tools (worksite organization, standard work, six sims, continuous improvement, and multifunctional workers), and determine the extent of its ability to achieve creativity with its various dimensions (problem-solving, changeability, accepting risks, and encouraging creativity). The descriptive analytical approach was used to achieve the study's goals. Through this approach, a questionnaire consisting of (9) axes were developed. To collect the study data, the study population of (168) employees and administrators was targeted at the Bank of Palestine in the southern West Bank region. The sample of the study was (75), all of the questionnaires were retrieved and valid for analysis, and thus the recovery rate was (100 %).
 The researcher also conducted six interviews consisting of 15 questions with the Director of the Individual Business Department for branches and offices, branch managers, supervisors, and a number of employees in the Bank of Palestine included in the study.
 The study concluded with a set of results, the most important of which are: the dimensions of agile management are highly available in the Bank of Palestine, with main (3.47), and the dimensions of administrative creativity are also available in a high degree in Bank of Palestine, with main (3.51), the results also showed the existence of a positive and direct correlation between the dimensions of agile management and the factors of administrative creativity at the Bank of Palestine.
 Originality/value: The originality of the study lies in the importance of the topic as it is one of the modern topics in Palestine, and one of the rare studies that dealt with this topic, which is agile management and its role in achieving administrative creativity in application at the Bank of Palestine, when using modern administrative tools while creating a suitable climate for administrative creativity among employees contributes to maximizing value achieved for customers.

Impact of Green Finance on Environmental Performance with the Mediation of Financial Innovation: Evidence from Nigerian Bank

Objective: This study examines the mediating effect of financial innovation on the relationship between green finance and environmental performance. Design/Methods/Approach: A targeted sampling technique was used for access bank selection. Copies of the structured questionnaire were sent to 250 branch managers of Access Bank in southwestern Nigeria. A total of 200 questionnaires were completed and returned to researchers. Data were analyzed using the STATA 15 version using structural equation modeling. Findings: The results show that green loans, green training, green investment, and green policy have a positive and significant impact on environmental performance. This means that green finance parameters are the driving force behind Nigeria's environmental initiatives and performance. Furthermore, the study showcases that financial innovation partially mediates green loans, green investments, green training, and environmental performance. The study also confirms that financial innovation does mediate green policy and environmental performance. Originality/Value: Prior studies have confirmed the correlation between green finance and environmental outcomes. However, despite various research endeavors highlighting the influence of green finance on overall ecological performance and introducing financial innovation as a mediator, this aspect remains unexplored in the context of the banking sector. Practical/Policy implication: Given that financial innovation partially mediates green loans, green investments, green training, and environmental performance, the results of this investigation are of importance to policymakers and financial institutions in the area of banks’ environmental performance. This study provides insights on financial innovation and green finance in financial institutions to foster green banking activities to promote environmental sustainability and performance.

The Influence of E-banking on the Financial Performance of Kenyan Commercial Banks

Aims: The mobile and internet revolution has influenced creation and delivery of financial services leading to more innovative ways of linking customers and partners. Electronic Banking (e-banking) has opened up a new channel of banking resulting in new capabilities for banks as intermediaries. The research questions that the study sought to answer include, the role of mobile banking on the financial performance in Kenyan commercial banks, the effect of Electronic Funds Transfer (EFT) on the financial performance of Kenyan commercial banks.
 Study Design: The research adopted descriptive design with quantitative data approaches.
 Place and Duration of Study: The target population was made up of 24 Kenyan Commercial Banks in the North Coast region of Kenya with a total of 240 employees. These banks are top tier lead brands listed in the stock exchange in the banking sector in Kenya between December 2022 and July 2023.
 Methodology: Strata of top management (section heads), middle managers (branch managers and super agents) and operational employees (lower cadre employees & credit officers) provided 72 respondents. Both secondary and primary data sources were used with the self-administered questionnaires containing both open and closed ended questions. Data analysis included descriptive statistics, correlation and multiple regression on a model of Y = 1.518+ 0.438 X1 + 0.136 X2 + ε.
 Results: The correlation of the independent variables and the dependent variable was high and positive at 0.697 and 0.573 for mobile banking and Electronic Funds Transfer on financial performance respectively. The value of the adjusted R squared was found to be 0.654. The value of F-statistic was found to be 44.919 and it p-value 0.000. The regression coefficient of mobile banking was found to be 0.438 with a t-statistic value of 6.126.
 The regression coefficient of EFT was found to be 0.136 with a t-statistic value of 6.182.
 Conclusion: There is a strong relationship between mobile banking, EFT and financial performance of commercial banks in Kenya. M-banking has significantly reduced operational costs while EFT has increased the number of daily transactions. The study established that the popularity of m-banking has is due to the intensity of technology penetration of mobile phones to bank customers which has resulted in the number of customers registering for m-banking services to increase in the last five years. Commercial banks have also experienced increased ROA and growth in market share with adoption of e-banking.

Digitization of Microfinancing Operational Procedures

This study delves into the crucial theme of enhancing income-generating capacity, recognizing its pivotal role in meeting basic human needs and catalyzing prosperity within communities. The motivation behind this research lies in addressing this significant issue through the lens of microfinancing, a viable solution to the identified problem. Focusing on a group of microfinancing units strategically located in North Cotabato, Philippines, this study follows the experiences of personnel within these units. The integration of digitization into their operational procedures aimed to elevate service efficiency, providing a contemporary solution to the challenges faced. The research methodology employed was qualitative, utilizing purposive sampling to gain in-depth insights. Observations, interviews, and informal conversations with key informants, including loan officers, branch managers, and an area monitor, were integral to the inquiry. Both physical and electronic documents played a crucial role in enriching the data collected. Specifically, the study aimed to identify both digitized and non-digitized operational procedures, elucidate the experiences of microfinancing employees concerning these procedures, observe the effects of digitization, and pinpoint immediate improvements resulting from digitization. Key conclusions emerged from the study. Notably, loan processing was identified as the sole procedure yet to undergo digitization. The digitized procedures, encompassing data management, loan disbursement, repayment tracking, and financial reporting, demonstrated notable advantages, characterized by increased speed and reduced errors. Importantly, personnel satisfaction with digitized operational procedures witnessed a positive upturn. Identified improvements that underscore these findings include digitizing loan processing, optimization of loan officers' client-handling capacity, and fortifying institutional data security.

Analysis of Employee Work Quality Using Statistical Process Control and Compliance with Standard Operating Procedures (Study in the Merchandise Inspection Department of the Foodhall Senayan City)

The objective of this research is to evaluate the effectiveness of employee performance in implementing Standard Operating Procedures (SOP) within the Merchandise Inspection/Receiving Department at The Foodhall Senayan City. This research is of a qualitative descriptive nature, with a focus on Statistical Process Control (SPC) as a measurement instrument. It employs the Implementation of Seven Key Elements in SOP, covering efficiency, consistency, error minimization, problem-solving, and defensive limitations. Five individuals participated in this research: Branch Manager, Receiving Supervisor, and three Receiving Staff members. Data collection techniques were based on direct observation, interviews, and documents used as references for the receiving staff's work procedures. In this study, the author used Statistical Process Control (SPC) on Attribute Control Charts, specifically using P-charts as a measurement tool for Quality Control checks on goods. The Implementation of Seven Key Elements in SOP was used to deepen the investigation into problem-solving that could not be explained using numerical data. Based on the analysis results using Statistical Process Control (SPC) for the current period, the average reversal rate is 0.02, indicating proximity to the Lower Control Limit (LCL) of 0 or zero defects. Meanwhile, regarding the usage of the Implementation of Seven Key Elements in SOP in the Merchandise Inspection/Receiving Department at The Foodhall Senayan City, it is evident that in the implementation of these seven key elements, there are still some shortcomings. These deficiencies include error minimization, process mapping, employee protection, and defensive limitations.

How important is a high-performance work system to improve branch-level performance?

Purpose This study aims to propose and empirically examine the simultaneous complementary mediating role of bank branch collective human capital and justice climate between implemented high-performance work system (HPWS) and bank branch performance in the banking sector. Design/methodology/approach Data were collected at three different intervals of time between March 2022 to July 2022 from a final sample of 323 branch managers and 1,369 employees of commercial banks operating in Pakistan. Partial least square structural equation modeling was used to test the theoretical model proposed by this study. Findings Study results revealed that collective human capital and justice climate simultaneously mediate the relationship between implemented HPWS and branch performance. Research limitations/implications The study contributes to the strategic HRM theory by proposing the complementary mediating roles of human capital and organizational justice to reap the benefits of implementing HPWS for improving branch-level performance. The managers should focus on developing and exploiting the knowledge, skills and experiences (human capital) of branch employees and improve their collective perceptions of justice to reap the benefits of HPWS for enhancing branch-level performance. Originality/value Drawing upon the resource-based view of the firm and organizational justice theory, this novel study examines the simultaneous and complementary mediating effects of collective human capital and justice climate between implemented HPWS and branch performance relationships at the branch-level analysis.

Factors Affecting the Decision-Making Styles of Branch Managers in Private Sector Banks

, Amidst a global recession, private banks grapple with challenges. This study has aimed to identify decision-making styles of 72 branch managers in five private sector banks of Sri Lanka, assessing the impact of perceived stress, self-efficacy, and heuristics. Results (using Multinomial logistic regression and correlation analyses), reveal a predominant rational decision-making style. The gender of the individual and the level of experience of managers in the banking sector, indicates a significant impact on the spontaneous decision-making style. Branch managers’ perceived stress positively correlates with dependent, avoidant, and spontaneous styles (p < 0.01). It negatively correlates with rational decision-making style. Self-efficacy significantly affects all decision-making styles (p < 0.05), excluding the rational style of decision-making. Availability heuristic significantly affects rational style (p < 0.05). Identifying decision-making styles aids tailored training and enhances strategic decision-making in organizations during challenging economic times.

Organizational learning strategies in the cameroonian banking sector

Organizational learning goes beyond mere knowledge management, encompassing two essential aspects: the organizational dimensions of learning and organization-specific knowledge. This article presents a qualitative comparative study between two leading banks in Cameroon, Afriland First Bank (AFB) and Cameroonian Society of Banks (SCB), focusing on their strategies for managing skills and human resources, particularly through pre-employment internship management. The objectives are to better understand adjustment strategies in skills management and to analyze circumvention strategies in human resources management during pre-employment internships. The methodology adopted relies on thematic content analysis from in-depth interviews with 40 interns and discussions with branch managers. The results highlight significant differences between the approaches of the two banks in terms of recruitment, training, performance evaluation, and rotation opportunities for interns. In the recruitment process, AFB opts for a structured approach with strategic job postings, rigorous candidate selection, and final assessment by a panel. In contrast, SCB favours a pragmatic approach with direct immersion of interns into the professional environment. This difference is also reflected in the training content, where AFB provides more structured training while SCB focuses on operational tasks. In terms of performance evaluation, AFB employs a jury presentation process, whereas SCB assesses interns based on their ability to solve real company problems. Finally, regarding rotation opportunities, AFB offers a more diversified experience by exposing interns to different positions, while SCB focuses on the specific position for which the intern applied. These divergences illustrate the diversity of practices in the Cameroonian banking sector, highlighting the importance of adaptability and flexibility in a constantly evolving environment.

The mediating role of employees’ empowerment in the correlation between strategic decision effectiveness and organization’s excellence

The paper aims to analyze the influence of the effectiveness of strategic decisions on organizational excellence, through employee empowerment, as an intermediate variable in Qatari commercial banks, where this study is quantitative and uses the descriptive cause-effect approach. The population of this study includes all directors, assistants, deputies, department managers, and branch managers in the six Qatari Commercial Banks, while the field survey method was used for this study. The population number was 336 participants from whom the researchers retrieved 270 questionnaires valid for statistical analysis. The study found that: the level of effectiveness of strategic decisions on organizational excellence and employee empowerment in Qatari commercial banks is high. The findings also showed that there was a significant effect of the effectiveness of strategic decisions on organizational excellence through employee empowerment as an intermediate variable. The study recommended the need for more studies to maintain the approach of the effectiveness of strategic decisions and employee empowerment in Qatari commercial banks, for their important role in organizational excellence, specifically giving freedom of action to employees to solve and encounter work problems.

Working over the performance and the limit bring occupational disease!

At the online event, IMM Occupational Health and Safety Branch Manager Dr. Özkan Kaan Karadağ made a presentation titled 'Occupational diseases in Türkiye's second century: Two steps forward and one step back'.

Empowering The Youth of Jongke Tengah Through Fish Farming

Abstract. The goal of this community activity is to empower the young people of Jongke Tengah village by collaborating with the Muhammadiyah Branch Manager. The problem that was faced was the lack of youth activity. Fish farming was one of the former activities that had been discontinued. The youngsters in Jongke Tengah stopped participating in this project because they lacked the initial cash to buy fish seeds. Another problem was that previous attempts at a fish farming program did not result in a large number of fish being produced. At the end of the program, a YouTube video, a journal article, and media coverage were produced. The community service was completed as intended.

FinTech and Pakistan’s Banking Industry: An Exploratory Study

Technological development in the financial sector has influenced different segments of consumers differently. In the last decade, like other industries, driven by technological adaptation, the banking industry has also undergone regulatory changes and has, therefore, influenced how consumers interact with traditional financial services. FinTech has contributed to some of this transformation. Numerous new startups are already transforming the financial technology sector by creating cutting-edge financial services and products for consumers. This study provides a better understanding of the current position and FinTech implementation strategy in Pakistan's commercial banking sector. It also investigates the barriers to adopting Fintech and its impact on the banking sector. Twelve in-depth interviews were conducted with the assistant manager, operations manager, and bank branch manager as part of the qualitative study. These interviews provided insights into the current situation of the banking industry to Fintech. The factors reported in this study are Challenges and Barriers to the adoption of Fintech. Factors are Lack of Budget, Lack of Rules and Regulations, Cybercrimes, and Hacking. Requirements for the adoption of Fintech factors are E-commerce activities, SBP Role, Training, and Advanced ICT Infrastructure. The impact of Fintech on Pakistan's banking sector is efficiency, innovation, competitiveness, and customer service. The study contributes to the knowledge of practice-related stakeholders, offering valuable insights into Fintech and its effects on the banking industry in Pakistan. The study thus offers valuable insights for policy managers who are engaged with promoting Fintech in Pakistan's banking sector to offer better services to customers and upgrade industry practices.

Design of Integrated Electrical Installations with Solar Panel in Muhammadiyah Ibtidaiyah Madrasah Building in Jurangono, Gemantar Village, Mondokan-Sragen

The Muhammadiyah Mondokan Branch Manager has a business charity in the field of education at the Elementary School level or often known as MI Muhammadiyah (MIM). MIM Gemantar was founded in 1978 with a basic education level. In carrying out its activities, MIM Gemantar is under the auspices of the Ministry of Religion. Accredited B on November 9, 2017. MIM Gemantar has the most apprehensive building conditions compared to the other four MIMs in Mondokan. On Monday, according to the news from Jateng, inews.id, it was reported that the roof of MI Muhammadiyah Gemantar had collapsed, resulting in the head of the school office and 2 students being injured. The incident of the collapse of the classroom roof occurred during teaching and learning activities or KBM taking place on Monday, January 9 2023 around 08.15 WIB. For the past four months, students from three classes have been assigned to one room. The room whose roof collapsed was used by three classes due to the small number of students, namely grades II, IV and VI. The purpose of this research is to design an integrated electrical installation with solar panels in the MIM Gemantar building which will be renovated. This has several benefits, including as a form of utilizing renewable energy and also as a learning medium for 4th year students with the theme of renewable energy. The method of this activity is for the team to obtain a floor plan of the building to be built, then carry out a design which is as simple as the implementation process, it is easy to update capacity, draw a single line and plan a budget. Currently the MIM Gemantar Mondokan Sragen building has finished building 4 classrooms, so it still requires the construction of 2 more classrooms. The source of electricity for the electrical installation of the 4 classroom buildings all use electrical energy from PLN. In the future, if funds are available and the manager wants the installation of solar panels, then only add according to the design results of a single line electrical installation that is integrated with solar panels on-grid (can be done in stages of 200 Wp, 400 Wp, even up to 1,000 Wp). The capacity of solar panels does not have to match the planned capacity, meaning that this capacity can be carried out in stages according to the conditions of the funds provided.

MOTIVATION OF THE ELDERLY TWIG ‘AISYIYAH RONOWIJAYAN PONOROGO PARTICIPATES IN ELDERLY GYMNASTICS IN MAINTAINING FITNESS

Seeing the phenomenon around the house where there is an association of elderly mothers who take part in the 'Aisyiyah Ronowijayan Branch Leadership organization and have an elderly gymnastic work program which is attended by many elderly people. The Leaders of the 'Aisyiyah Ronowijayan Ponorogo Branch held elderly gymnastics 2x a week, initially only once a week. Judging from the increase, it could be said that the elderly had an interest and interest in the elderly gymnastics held by the Leaders of the 'Aisyiyah Ronowijayan Branch. In the end, researchers were interested in examining the motivation of the elderly. Data for this quantitative descriptive study were collected through a questionnaire. This study involved 25 parents of the Branch Manager "Aisyiyah Ronowijayan Ponorogo", who were selected through a total sampling technique. The questionnaire used consisted of 35 statements. The results showed that the elderly members of the Aisyiyah Ronowijayan Branch Leadership as a whole had a level of motivation to take part in the lasia exercise in the "very high" category, with a percentage of 0% (0 elderly), the "low" category, with a percentage of 100% (25 elderly), and the "very low" category, with a percentage of 0% (0 elderly). With an average of 104.8, it can be concluded that the motivation of the elderly members of the Aisyiyah Ronowijayan Branch Leadership is in the "high" category.

Impact of Intellectual Capital on Firms’ Performance: With Perspective of Commercial Banks in Chitwan

Intellectual Capital (IC) is a term that refers to a firm's strategic assets that assist to enhance the performance. The main purpose of this research is to examine the impact of Intellectual Capital on firms' performance in with perspective of banking sectors. To assess the many aspects that can potentially have an impact on the performance of the firm, previous research and necessary documentation relating intellectual capital and its associated factors were reviewed. Similarly, descriptive and casual comparative research design were used. The population of this study is employees of commercial banks in Chitwan who hold the position of branch manager and/or above. To meet the objectives of this study, google form questionnaire was administered and sent to 75 branch managers. Out of which 48 responses were completed which were taken as sample that included tick mark questions, multiple-choice questions, and 5-point Likert scale questionnaires. The approach of non-probability purposive sampling was used. The dependent variable is firm performance, while the independent variable is Intellectual Capital (human, structural and customer capital). Data was analyzed using descriptive statistics (percentage, mean, and SD) and inferential statistics (correlation coefficient, multiple regression). The finding showed that customer capital was one of the most important determinants of a firm's performance, but structural capital and human capital were not statistically significant predictors at the 5% level of significance. This study may be a valuable piece of research works for academicians, practitioners, and the management body of any concerned organizations.

“I didn't know it would be like this”: Professional Preparation for Social-Service Information Work in Public Libraries

Recent semi-structured interviews with 28 librarians and branch managers on the placement of social workers in public libraries revealed a need for library and information science (LIS) programs to better prepare students for their role as social service information providers and to provide models for working with and supervising social workers in the library. It is clear that libraries are experiencing increasing demands to respond to the social-service information needs that users bring to the library, and the importance of libraries to communities in times of uncertainty and crisis is clear. In response, some libraries are including social workers on staff, but this trend does not completely relieve librarians of the need to serve the public's social-service information needs. LIS students need to understand the professional boundaries of librarianship and social work and to develop the ability to feel confident in their interactions with users who have been traumatized, are in crisis, or are struggling with challenges such as the need for credible health information; home and food insecurity information; legal aid; access to the Internet for individuals and families from low-income situations; accessible adult education programs; and more. Interview participants offered a number of suggestions for how to incorporate social work concepts into LIS education and asked for several specific skills such as training in mental-health first aid, de-escalation techniques, and greater knowledge of social-service resources.

The Analysis of The Green Banking Implementation Model on Banking Performance at Bank Syariah Indonesia

This study aims to examine the implementation of green banking practices at Bank Syariah Indonesia, KCP Banjarnegara, and their impact on banking performance. This study uses a descriptive qualitative approach with a field research method through direct observation and interviews with the Branch Manager, Operational Staff, teller, and microstaff of Bank Syariah Indonesia, KCP Banjarnegara. Indicators of green banking activities used in this study include green Product, green Operation, green customer, and green Policy. The results of this study indicate that Bank Syariah Indonesia KCP Banjarnegara implements green banking practices based on research indicators, such as Green Product, Green Operation, Green customer, and green policy. Bank Syariah Indonesia, KCP Banjarnegara, has implemented all indicators well. This has a positive impact on the image and reputation of Bank Syariah Indonesia, KCP Banjarnegara, as a bank that cares about the environment and social responsibility. In addition, the existence of Operational Efficiency in banking has helped Bank Syariah Indonesia KCP Banjarnegara increase efficiency and reduce costs. The use of technology also speeds up the transaction process and services for customers and increases customer satisfactio.

Modelling the influence of managerial competence on managerial performance in the Ghanaian banking sector

The importance of human resource for the success and growth of every organisation, including banks in developing economies, cannot be underestimated. The banking sector in Ghana, a developing economy, has recently faced some significant performance-related difficulties, such as suspending the licences of new banks, raising the minimum capital required, and recording fraud cases. These developments in the banking sector seriously questioned the managerial competencies of bank managers providing leadership roles to these banks in Ghana. It was for this purpose that this study examined the influence of managerial competence on the performance of branch and operational managers in the Ghanaian banking sector. The study sought to achieve, among other things, to explore how managerial competencies such as customer value management, interpersonal, leadership and intrapersonal relate to managerial performance in the banking sector of Ghana. The study adopted the quantitative approach from the positivist philosophical perspective and, specifically, the cross-sectional survey method. A sample of 127 branch and operation managers from the sixteen administrative regions of Ghana was drawn for the study. Data were collected with an adopted questionnaire and analysed with partial least square structural equation modelling. The study found a significant relationship between customer value management, interpersonal, leadership, intrapersonal, technical competencies and managerial performance in the banking sector. The relative importance of each of the five managerial competencies found was customer value management competence, interpersonal competence, leadership competence, intrapersonal competence and technical competence. The study concluded that managerial competence relates to managerial performance in the banking sector in Ghana. The implications of the findings of this study are that human resource managers in the banking sector should pay attention to these managerial competencies in hiring and developing managers for their branch and operational managerial positions in developing economies.

The Effect of Operational Strategy on Organizational Performance of Commercial Banks in Meru County, Kenya

Achieving optimal organizational performance is a concern for businesses, and it largely hinges on how well they adapt to the dynamic business landscape. Currently, this landscape is marked by significant turbulence in organizational performance, particularly posing challenges for managers in the banking sector. Furthermore, there has been a noticeable decline in the growth rate of most commercial banks in Meru City County, Kenya, leading to diminishing profit margins. Consequently, the implementation of functional level strategies has become crucial for banks aiming to achieve objectives such as customer retention, profit growth, increased sales, operational efficiency, and expanded market share. This research study primarily aimed to investigate how operational strategy impact the organizational performance of commercial banks in Meru County, Kenya. To conduct this research, a theoretical framework, resource-based view was used. The study utilized a descriptive research design, and a census approach was employed, targeting 19 branch managers, 19 operational managers, 19 marketing managers, 19 chief accounting officers, and 19 human resource managers in Meru County. A total of 95 respondents were selected for the sample, and data were collected using questionnaires with close-ended questions. Content validity was established through consultations and discussions with experts, academicians, and the supervisor. Reliability was assessed using the Cronbach Alpha method, and data analysis was conducted through the utilization of both descriptive and inferential statistical techniques, facilitated by the Statistical Package for Social Sciences software. The presentation of data took the form of frequency distribution tables and graphical charts. The consensus among respondents was that operational strategies exerted an influence on the organizational performance of commercial banks. Based on these findings, the study recommends enhancing operational strategies as they have a positive impact on the organizational performance of commercial banks in Meru County, Kenya.

EFFECT OF LOW-COST STRATEGY ON THE FINANCIAL PERFORMANCE OF SACCO’S IN NAROK TOWN, KENYA

Developing Savings and Credit Cooperatives (SACCOs) in Kenya has proven remarkably fruitful. Recognized by the World Council of Credit Unions as the most robust in Africa and the seventh fastest-growing globally, Kenyas SACCO sector has witnessed a surge in participation, resulting in heightened competition. Although past studies have delved into the impact of low-cost strategies on SACCOs financial performance, research specifically centered on Kenyan SACCOs are still limited. In response to this gap, this study sought to investigate the influence of low-cost strategies on the financial performance of SACCOs in Narok Town, guided by Michael Porters theory. Employing a descriptive research design, the study focused on ten registered SACCOs in Narok Town, Kenya, with the studys respondents comprising the board of directors and the branch managers of these SACCOs. The study used a census approach to determine a sample size of 100 respondents, and data analysis encompassed both descriptive and simple linear regression model. The results indicated that low-cost strategies have an effect on financial performance of SACCOs in Narok Town. It was concluded that low-cost strategies manifested interest rates, operation efficiency, low transactional cost, economy of scale plays a critical role in augmenting the financial performance of SACCOs in Narok Town. hence it was recommended that…to enhance the financial performance of SACCOs in Narok town there is need to embrace low cost strategies. KEYWORDS: Savings and Credit Cooperatives (SACCOs), World Council of Credit Unions, Low-cost strategies, financial performance and Michael Porters forces.