Credit Cooperatives Research Articles

Unveiling the Dynamics of Service Quality and Member Loyalty: A Comparative Analysis of Different Savings and Credit Cooperatives in Nepal

This study explores the level of service quality and member satisfaction within the context of Savings and Credit Cooperatives (SACCOS) in Nepal. By using data from a survey of 1209 randomly selected SACCOS members, the study dealt with the demographic composition, service quality perceptions, and member satisfaction levels across three distinct SACCOS: Bindabasini-Kavrepalanchock, Mahila Milan-Makawanpur, and Siddhartha-Kapilbastu. The analysis uncovers intriguing patterns in demographic characteristics and establishes a positive correlation between service quality dimensions and both member loyalty and positive words of mouth. The findings highlight the crucial role of tailored service quality dimensions in fostering member loyalty, positive advocacy, and overall cooperative success. Findings of this study not only contributes to the understanding of cooperative management strategies but also provides insights for the enhancement of member experiences, leading to sustained growth and impact. Thus, the findings of this study have important implications for cooperatives, researchers, policy makers, cooperative movement, government for devising appropriate intervention to enhance members’ satisfaction levels.

Mediating Effect of Firm Size on the Nexus between Camel Rating Model and Financial Performance of Deposit Taking Savings and Credit Cooperative Societies in Kenya

Savings and credit cooperatives are of importance to developing countries due to their huge contributions on the national economy. The study sought to examine the mediation effect of firm size on the relationship between CAMEL rating model and financial performance of deposit taking SACCOs in Kenya. The study emanates from the Doctoral dissertation of the first author where the co-authors served as supervisors. Efficiency structure theory and working capital management theory were used. Panel regression analysis was used based on secondary data for the period 2013 to 2022. The study established that the mediation effect of firm size on the relationship between CAMEL rating model and financial performance of deposit taking SACCOs in Kenya was significant. Higher market value and consequently financial performance are linked to institutions with large firm sizes. It is therefore recommended that SACCOs should strive towards growing their total assets which will subsequently translate to higher profits and ultimately higher financial performance. The advantages of economies of scale of large institutions should be fully maximized so as to sustain higher financial performance of SACCOs. Keywords: CAMEL Rating Model, Firm Size, Financial Performance and Deposit Taking SACCOs

Capital Adequacy, Asset Quality, Management Efficiency, Earnings Ability, Liquidity and Financial Performance of Deposit Taking Savings and Credit Cooperative Societies in Kenya

The study sought to examine the effect of capital adequacy, asset quality, management efficiency, earnings ability, liquidity and financial performance of Deposit Taking Savings and Credit Cooperative Societies in Kenya. The study originates from the Doctoral dissertation of the first author in which the co-authors served as supervisors. Descriptive and panel regression analysis were applied based on secondary data obtained for the period 2013 to 2022. The study established that capital adequacy has insignificant effect on financial performance of deposit taking SACCOs in Kenya. It was established that asset quality has significant effect on financial performance of deposit taking SACCOs in Kenya. It was established that management efficiency has insignificant effect on financial performance of deposit taking SACCOs in Kenya. It was established that earnings ability has significant effect on financial performance of deposit taking SACCOs in Kenya. The study established that liquidity has insignificant effect on financial performance of deposit taking SACCOs in Kenya. Effective credit risk system should be put in place to ensure proper identification, assessment, monitoring as well as control of credit risks. The study recommends that the managers of SACCOs should strive towards increasing the business net worth while ensuring competitiveness in the business environment. This can be achieved through continuous product innovation alongside having leverage on emerging technology. Additional studies can be done specifically on the effect of capital adequacy, management efficiency and liquidity on financial performance of deposit taking SACCOs in Kenya. This is in view of their insignificant predictive effect on financial performance. As such, additional researches on these variables can be based on different methodological approaches. Keywords: Capital Adequacy, Asset Quality, Management Efficiency, Earnings Ability, Liquidity and Financial Performance

Role of City Employees Credit Cooperative and Allied Services (CECCAS) on Improving the Household Income of Employees of the City Government of Cabanatuan

Credit cooperatives were essentially created to meet the basic human desire for borrowing and saving money without taking on too much risk or giving the money lender too much authority. Members of credit cooperatives attain socio-economic benefits through its products and services and understanding its effects is vital in improving its management. Most often, cooperatives do not visualize the impact of its services to its members due to lack of proper documentation and research focusing on them. This study examines how credit cooperatives specifically the City Employees Credit Cooperative and Allied Services (CECCAS) affects the household income of its members in terms of savings deposit, building of assets, and availment of loans. Using descriptive-survey approach, the study gathered information through survey questionnaires and interview sessions from the members of CECCAS. Results of the study showed that in terms of improving household income, savings/contributions and loan products significantly benefit the members of the cooperative. Availment of loan products help the members to finance their needs and buy assets but members have yet to engage in income-generating activities. Savings on the other hand, pave the way for members to have emergency funds, buying of assets, medical and study funds. This study examined the benefits of a credit cooperative in terms of improving household income of its members, variables such as membership growth, management styles, women’s participation, and other socio-economic aspect may be applied to gain more understanding in this sector.

Sistem Pendukung Keputusan dalam Penentuan Pemberian Pinjaman Uang Pada Anggota Swasti Sari dengan Metode Promethee

Credit Cooperative (KOPDIT) Swasti Sari is a financial institution founded in 1988 in East Nusa Tenggara. Every year, these cooperative experiences a significant development, seen from the increase in assets and the number of members who continue to grow. Determination of credit policies by cooperatives requires the formulation of standard and credit requirements that include customer character, credit payment capacity, capital capability, and guaranteed customers. Provision of appropriate credit is very important and requires effective and efficient service. However, credit administration procedures in this cooperative are still not effective and often the granting of credit is not on target. This study aims to assist cooperative managers in making decisions on loan or credit to members using the Promethee method. This method is an auto ranking method that helps decision makers analyze multicriteria problems and determine the priority of receiving loan application. The results of the study are expected to be a reference in the development of a decision support system for the determination of loans in the Swasti Sari Cooperative.

The Role of Agricultural Credit Cooperatives in Agricultural Input Supply: The Example of Gaziantep Province Yavuzeli District

Bu çalışmada, kooperatif ortaklarının tarım kredi kooperatifini (TKK) girdi temini konusunda tercih etme nedenleri incelenerek, kooperatifin ortaklara sağladığı girdilerin değerlendirilmesi ve ortakların kooperatif faaliyetlerinden memnun olma durumlarının belirlenmesi amaçlanmıştır. Çalışmanın birincil verileri, Gaziantep ili Yavuzeli ilçesinde TKK’ne ortak olan üreticiler arasından oransal örnekleme yöntemiyle belirlenen 99 üreticiden 2021 yılında anket yoluyla elde edilmiştir. Araştırma sonuçlarına göre ortakların; ortalama yaşının 41,74 yıl olduğu, tarımda çalışan aile birey sayısının 1.45 kişi olduğu, %66,7’sinin tarım dışı geliri olmadığı, %56,6’sının tarımsal faaliyet deneyimlerinin 29 yıl ve daha az olduğu saptanmıştır. Ortakların tarımsal üretimden elde ettikleri yıllık ortalama gelirleri 58.602 TL olup, tarımsal üretim için yıllık ortalama 34.641 TL bütçe ayırdıkları tespit edilmiştir. Kooperatif ortaklarının TKK faaliyetlerinden memnun olma durumları üzerine etkili faktörler Ki-kare testi ile analiz edilmiştir. Analiz sonucunda, tarımsal üretim faaliyeti ile uğraşan ortakların TKK’in faaliyetlerinden memnun olma durumları ile üreticilerin yaş grupları, eğitim durumları, aile birey sayısı, üreticilerin tarımsal üretim tecrübesi arasında istatistiki olarak anlamlı bir ilişki olduğu bulunmuştur. Kooperatif ortaklarının çoğunluğu girdi fiyatından ve kalitesinden orta düzeyde memnun olduklarını ifade etmişlerdir. Sonuç olarak kooperatif ortaklarının memnuniyet düzeylerinin artırılması için kooperatifin çalışmalarında ortaklar ile iş birliği içerisinde olunması ve ortak beklentilerine göre düzenlemeler yapılması uygun olacaktır.

MIȘCAREA COOPERATISTĂ INTERBELICĂ. STUDIU DE CAZ: OLTENIA

After 1919, the importance of bond credit cooperatives increased. For both the small rural producer and the civil servant, the people bank remained the most advantageous credit institution. In the first post-war decade, the most popular banks were in the Old Kingdom, and they had to be reinvigorated on the one hand, and, on the other hand, strengthened through attracting new funds. In the interwar period, the credit cooperatives from Oltenia granted loans, especially to those who used them for productive purposes: buying animals and land, purchasing tools and seeds, etc. After 1934, we noticed a huge demand for credit from the peasants, however, the central institutions asked for caution in contracting new debts, in order to avoid the situations encountered during the years of economic crisis.

Availability of agricultural credit: determinants, marginal effect, and predicted probability

Purpose. This paper aims to identify the major determinants of agricultural credit and their marginal effects, along with describing the pattern of the predicted probability of getting credit from the agricultural credit cooperatives.
 Methodology / approach. We used a multi-stage stratified random sampling method to collect data from the paddy farmers of Kerala, India. Descriptive statistics are used to describe the profile of the farmers. Ordered logistic and probit regression models are used to model the credit categories. The authors analyzed the determinants of credit and their marginal effect, while the pattern of the predicted probability is described using tables and graphs.
 Results. Results show that age, household size, farming experience, and farm size significantly influence the probability of a farmer falling into a particular credit category. However, the estimated coefficients of other factors, like gender and occupation, are not statistically significant. The results from the study clearly show that relatively large paddy farms are not getting enough credit from the cooperatives, contrary to the common perception. An evaluation of the predicted probabilities shows that the very high and shallow categories are much more dispersed than the middle categories.
 Originality / scientific novelty. This is the first study that describes the predicted probability of credit availability pattern from the agricultural credit cooperatives to the paddy farmers. Moreover, this study describes the determinants and their marginal effects by credit category. 
 Practical value / implications. The results indicate the probability of a farmer falling into a specific credit category based on his/her characteristics or background. The results can help them frame a strategy while approaching a credit cooperative for a loan. The inverse relationship between age and the likelihood of getting higher credit amounts requires government policy intervention. It will be hard for farmers to continue farming while aging if they do not get sufficient credit. The government must develop policies to counteract the influence of age on credit availability, like special schemes for older age groups.

Distribution and Usage of Digital Payment Cards in India: Findings from NSS 77th Round Survey

Promoting digital economy is a policy priority of the Government of India. The latest available large-scale survey data on households’ debt and investment from National Sample Survey Organization (NSSO, 2021) provides details on the possession and utilization of payment cards for adults across India. Using the information, this article explores the state and district-level variations in its distribution and usage in India—which is a crucial knowledge gap in the existing literature. The article finds that while 85% of Indian adults have a bank account, less than half of them have a debit or credit card. Also, 82% of card-holders have actually used their cards for transactions during 365 days prior to the survey. Access to payment cards seems crucial for digital integration. This article attempts to identify policy handles that can help in the spread of payment cards. Their possession is aggregated at district levels and regressed on several indicators. The article identifies that literacy rate, access to banking, road density, prevalence of Self-Help Groups and Co-operative Credit Societies are all significant positive influencers towards digital integration. A similar result is obtained for the usage of payment cards as well. This article comes up with a first glimpse of digital integration at the pan-India level while also providing some policy suggestions for enhancing cashless transactions in India.

Capital Structure and Sacco Growth: A Systematic Literature Review and Meta-Analysis

Globally, countries are paying particular attention to the potential of Savings and Credit Cooperative Organizations (SACCOs) as one form of enterprise with a meaningful impact on the economic empowerment of their citizens. Despite the growth of SACCOs being sparsely distributed across various countries, the growth of SACCOs driven by Capital Structure remains largely under-researched. Therefore, this paper seeks to address this problem and develop new insights into future research around SACCO growth and Capital Structure, through a systematic literature review and meta-analysis of 17 articles, thereby problematizing the literature reviewed. The analysis utilizes secondary data from 17 peer-reviewed journals selected using renowned research databases including Google Scholar, Semantic Scholar, and Base, for the period 2011 to 2021. Findings show that 70.6% of articles were published in the last 4 between 2021 - 2018, while 29.4% were published between 2017 – 2011. Kenya accounted for the majority of articles at 58.8%, while the rest of Africa had 17.6% of articles, Europe accounted for 17.6% and Asia 5.9%. Financial performance was prominent at 48.4% as a major parameter in the measurement of SACCO growth, with capital structure at 35.5%, capital adequacy at 9.7%, and growth at 6.5%. The review found that all 17 articles that were analyzed lacked in the area of modeling the relationship between the study variables of capital structure and SACCO growth. A review and analysis of all 17 articles showed that none of the studies directly focused on capital structure and its impact on SACCO growth.

Credit Lending Models and Loan Performance of Deposit-Taking Savings and Credit Cooperative Societies in Kenya

The study sought to determine the effect of credit lending models on loan performance of deposit-taking savings and credit cooperative societies in Kenya. Specifically, the study focused on group lending model, individual lending model, digital credit model and cooperative lending model on loan performance of deposit-taking savings and credit cooperative societies in Kenya. The study adopted a descriptive cross-sectional design. The targeted population was all DT-SACCOs as per their registration with SACCO Societies Regulatory Authority. The study population was 176. The study found out that group lending models, individual lending models, digital credit lending and cooperative lending were adopted by the DT-SACCOs to a moderate extent. The study established that the size of the DT-SACCOs and the lending models used accounted for 97.9% of changes in loan performance. The consequence is that other factors not considered in the model were responsible for only 2.1% of variances in loan performance. Further, credit lending models had a significant effect on the loan performance of DT-SACCOs in Kenya. This implied that effective implementation of the credit lending models led to improved loan performance of DT-SACCOs. The study concluded that credit lending models significantly affect the loan performance of DT-SACCOs in Kenya. Further, the DT-SACCOs adopted, on an average basis, the credit lending models. Lastly, individual lending models and total assets significantly affected loan performance. Group lending models, digital lending models, and cooperative lending models, however, do not have a significant effect on loan performance. The study recommended that the managers of the DT-SACCOs should establish mechanisms for improving individual loan processing and the development of competitive individual loan products.

Social Funding Programs in Non-Depository Credit Cooperatives: A Perspective on Positive Law and Sharia Principles

The aim of this study is to investigate the social funding scheme used by non-depository lending cooperatives to satisfy the monetary demands of their patrons. This theme is of great importance for discussion as, historically, no established plan has been implemented to meet these financial needs, especially considering that non-depository lending cooperatives do not support financial lending transactions. Traditional lending and borrowing models have typically been linked with deposit and loan-based cooperatives. This study uses a qualitative descriptive methodology with a normative approach. The primary data sources are transaction records from the cooperatives and their members, while secondary data sources include significant journal articles and books. The study reveals that the optimal social funding program for non-depository lending cooperatives to fulfill the financial requirements of their members is a blended scheme involving qardhul hasan and mudharabah protocols. The maximum permissible loan is equal to 50% of the member's overall pension savings, while the loan tenure must not surpass five years. These loan conditions take account of potential credit and operational hazards. From a theological standpoint, social funding aligns with the commendable teachings of Islam as outlined in the Quran and Sunnah. Exploring the beneficial legal aspects applicable to Indonesia, social funding is an integral part of the Indonesian identity and has been present for centuries, predating the proclamation of the Indonesian state on August 17, 1945. This is enshrined in the Republic of Indonesia's 1945 Constitution, Article 33, Paragraphs (1) and (2). Article 33, paragraph (1), states that the economy is structured as a collective effort based on the principle of family unity. Paragraph (2) stipulates that the state must control industries that are vital to the country and essential for the welfare of the public.

Quality of governance of savings and credit cooperatives in Cameroon : the contribution of the Council of Wise Men

La gouvernance des IMF est une clef pour la réussite de leur mission. Cet article se donne comme objectif d’analyser le rôle des mécanismes spécifiques de gouvernance, notamment le Conseil des Sages (CS), sur la qualité de la gouvernance des COOPEC. Grâce à l’analyse en composante principale, nous avons construit l’indice de la qualité de gouvernance à partir des indicateurs de chaque mécanisme de gouvernance (mécanismes conventionnels et mécanismes spécifiques). Les résultats révèlent que l’indice de la qualité de gouvernance (IQG) des COOPEC camerounaises construit s’avère faible. Il en ressort également que le CS (CS) contribue le plus à l’amélioration de l’IQG, suivi du CA ; ce qui confirme la thèse de la complémentarité des mécanismes spécifiques (notamment le CS) et des mécanismes conventionnels de gouvernance.

PENGARUH KARAKTERISTIK PEKERJAAN TERHADAP LOYALITAS KARYAWAN DIMEDIASI VERTICAL TRUST DAN PERCEIVED SUPERVISORY SUPPORT

Every company will try to get quality human resources in order to support the effectiveness of the company's work in achieving the expected goals. The purpose of this study was to explain the effect of job characteristics on employee loyalty mediated by vertical trust and perceived supervisory support at the Tritunggal Tuka Credit Cooperative. This research was conducted at the Tritunggal Tuka Credit Cooperative. The sample size used in this study was 80 people with the method of determining the sample, namely saturated sampling. Collecting data using a questionnaire. Data were analyzed using PLS-based SEM analysis techniques. The results show that job characteristics have a significant positive effect on employee loyalty, job characteristics have a positive effect on vertical trust, job characteristics have a positive effect on perceived supervisory support, vertical trust mediates the effect of job characteristics on employee loyalty, and perceived supervisory support mediates the effect of job characteristics on loyalty. employee. Based on the results of this study, it is expected that the Tritunggal Tuka Credit Cooperative understands job characteristics, vertical trust, and perceived supervisory support that can affect employee loyalty.

Кустарно-промысловая кооперация Европейского Севера, Приуралья, Поволжья к началу XX века

The article discussesthemain areas ofwork ofthe handicraftcooperation ofthe European North, the Urals and the Volga region. First of all, the activity of trade artels, which was associated withthe processing of agricultural products,the production of agriculturaltools,wood processing, is investigated, the interaction of handicraft artels with agricultural and credit cooperatives is studied.

Impact of HR Practices on DCCB Bank Chittoor - Performance Appraisal

Cooperatives were the pioneers in the field of rural credit in India. The entire rural credit delivery was more or less a preserve of the cooperative credit institutions from 1904 to 1969, when the nationalization of Commercial Banks and the subsequent emergence of Regional Rural Banks in 1975 heralded the adoption of the Multi Agency Approach to rural lending. Even today, the cooperative credit structure has the largest outreach and delivers credit to the largest numbers of clients in the rural areas in comparison to other institutions, although the quantum of credit delivered is second to commercial banks.

Cooperative credit banks and sustainability: Towards a social credit scoring

Cooperative Credit Banks (CCBs) play a significant role in fostering social sustainability through lending decisions. In particular, CCBs are interested in supporting socially conscious cooperatives, provided that the credit scoring process classifies them as "credit-worthy". However, existing literature overlooks how cooperatives' balance sheet equilibriums, driven by their social mission rather than profit maximization, impact credit scoring. To bridge this gap, this paper examines the influence of cooperatives’ unique balance sheet equilibriums on credit scoring. Specifically, it investigates the potential risk of sub-optimal creditworthiness assessment when CCBs use a "one-size-fits-all" model for cooperatives and non-cooperatives alike. The findings demonstrate that "tailor-made" credit scoring models for cooperatives and non-cooperatives outperform a generic one, enhancing credit classification specificity and sensitivity. These models allow for more effective credit allocation, resulting in improved economic outcomes.

Liquidity Management and Financial Performance of SACCOs in Bushenyi District

The main objective of this paper is to examine the association between elements of liquidity management and the financial performance of SACCOs in Bushenyi District. This research was conducted through a cross-sectional survey involving a sample of 72 Savings and Credit Cooperative Societies (SACCOs) located in the Bushenyi District. A sample of 61 SACCOs operating in Bushenyi was determined using Krejcie and Morgan's Table, with accountants, managers, and credit officers serving as the units of analysis, resulting in a total population of 183 respondents. The research instrument's validity was assessed using the content validity index, and its reliability was evaluated through Cronbach's alpha coefficient, a measure of the consistency in obtaining similar results from the same respondents when administering the instrument at different times. In accordance with the research objectives, inferential statistics, specifically correlation and regression analyses, were conducted. The findings reveal a statistically significant positive correlation between cash ratios, liquidity ratios and financial performance. Lastly, the research outcomes demonstrate a statistically significant positive relationship between the comprehensive liquidity management elements and financial performance. This suggests that any favorable change in the management of liquidity within SACCOs is associated with a positive change in financial performance. Therefore, enhancing liquidity management can aid in maximizing the use of cash on hand, while efficient cash budgeting can guarantee good planning and resource allocation. Due to their weakly positive associations with liquidity management, debtor management, as well as bank reconciliation statements, must also be considered; this will improve the financial performance of SACCOs.

Effect of Loan Management Practices on Non-Performing Loans for Deposit Taking Savings and Credit Cooperative Societies in Kenya

Deposit taking SACCOs have contributed to financial deepening and increased financial inclusion in Kenya because they improve social and economic welfare of members. However, the sector has seen several institutions collapsing. Current studies on non-performing loans for Saccos have focused on credit management practices such as credit scoring systems and repayment enforcement practices that are specific to banks and this do not align with the goal of Sacco’s business models. This study seeks to include the practice of using guarantors and its efficacy in control of non-performing loans relative to the mainstream practices established by financial institutions like banks. The main purpose of this study was to assess the relationship between loan management practices and non-performing loans for deposit taking Savings and Credit Cooperative Societies in Kenya. The study has three specific objectives; to determine the effect of credit scoring systems on non-performing loans for deposit taking Savings and Credit Cooperative Societies in Kenya, to assess the effect of guarantorships requirements on non-performing loans for deposit taking Savings and Credit Cooperative Societies in Kenya and to find out the effect of repayment enforcement practices on non-performing loans for deposit taking Savings and Credit Cooperative Societies in Kenya. This study is anchored on three theories: lender-based theory of collateral, informal finance theory and financial intermediation theory. This study adopted a descriptive research design. The population of this study was all deposit taking SACCOs in Kenya. A sample of 44 deposit taking SACCOs within Nairobi County was selected. This study collected primary data by use of a structured questionnaire. Data analysis was done using descriptive statistics such as averages and standard deviations and inferential statistics in a regression model by use of SPSS. Presentation of data was done using tables and graphs. Results were reported using robust standard errors model. Findings showed that credit scoring systems, guarantorship requirements and repayment enforcement practices had a negative and insignificant effect on non-performing loans for deposit taking Saccos in Kenya. This means that all loan management components examined in this study better loan performance. It is recommended that SACCOs need to lay more emphasis on establishing robust and apt frameworks for mitigating non-performing loans other than those credit scoring systems, guarantorship requirements and repayment enforcement practices this has insignificant effect on non-performing loans.

Corporate Governance Practices and Performance of Imarisha Sacco in Bomet County Kenya

The problem in the Savings and Credit Cooperative Organisations industry, particularly in the teaching industry in Bomet County, is the presence of challenges related to corporate governance and organizational performance. There are issues with accountability, transparency, and risk management practices. Additionally, low levels of financial literacy among members, limited access to finance, and inadequate technology and systems further contribute to the performance-related challenges faced by these Savings and Credit Cooperative Organisations. The study was on the effect of Corporate Governance practices on the performance of Imarisha Savings and Credit Cooperative Organisation in Bomet County. The purpose of this study was to investigate how board competence, legislation, roles and responsibilities and internal controls affects performance Imarisha Savings and Credit Cooperative Organisation. The literature review focused on various theories which include core competence model, regulatory capture theory, legalistic theory, attribution theory and the balanced scorecard theory. The study design adopted was descriptive in nature considering a total population of 65 senior management, middle management, and support staff of which a complete census will be considered. Stratified sampling was used since the population was already broken down into the respective categories. Data was gathered using questionnaire and it was tested for validity and reliability. Content validity was tested with a content validity index threshold of 0.8 or higher. Reliability was tested with a Cronbach's alpha threshold of 0.70 or higher. Data was analysed using both descriptive and inferential statistics. Findings revealed that board competence, legislation, roles and responsibilities, and internal controls had a positive and significant effect on performance, that is, β= 0.469, p < 0.05), β=0.022, p < 0.05, β=0.404, p < 0.05) and β=0.045, p < 0.05 respectively. The study concluded that board competence, legislation, roles and responsibilities and internal controls improve performance. The study recommended that board members should continue to have strategic thinking skills and front the vision of the organization. Imarisha SACCO should have adequate internal policies that help to govern SACCO activities. Duties of board members at the organization should continue being properly described. The oversight committees should continue to meet regularly to oversight SACCO activities. The study recommended that further studies should be conducted on effect of corporate governance practices on performance of Imarisha SACCO in Bomet County. Indicators of corporate governance practices adopted in the study are board competence, legislation, roles and responsibilities and internal controls. The study recommends a similar study to be conducted on the subject matter but should be conducted on SACCOs’ in other Counties in Kenya.