Cooperative Societies Research Articles

Adaptation to land scarcity among small-scale farming households in South Kivu in the Democratic Republic of the Congo

Rural farming households in Sub-Saharan Africa, facing limited land access, engage in land purchase, rental, and other land access practices. However, the highly unregulated land markets expose these farmers to wide-ranging vulnerabilities. In this study, we investigated the land access mechanisms and the related constraints among the small-scale farmers in the densely populated Eastern part of The Democratic Republic of the Congo (DRC). We randomly selected 240 consenting farmers for inclusion in the study and collected data using semi-structured interviews to obtain data on land access characteristics. Then, the data was subjected to descriptive statistics to obtain measures of central tendency and dispersion on the responses and correlation statistics to understand the patterns and relations of factors affecting the land access and strategies used to cope with the limited land situation in the South Kivu province of DRC. Our results showed an insecure land tenure system among smallholder farmers. Most of the farmers in the study purchased and leased land to cope with poor land access and, in so doing, faced high price-related limitations that were unsustainable to these farmers; they also faced highly restrictive leasehold contracts. Given the limited access to financial resources and support, improving regulations of land markets and resource support interventions could promote land access among these smallholder farmers. We conclude that the challenges of land access and the current methods farmers use to obtain additional land among the smallholder farming households in the south Kivu province of DRC are precarious and unsustainable and continue to pose a food insecurity and poverty risk among these farmers. We recommend developing and implementing measures to support resource access by these farmers, such as finance, farmer-focused cooperative societies, and better land policy reforms and tenure systems to improve access to land among these farmers and farmers facing similar scenarios in other parts of sub-Saharan Africa.

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.

Pertanggungjawaban Pelaku Usaha Pada Pembtalan Perjanjian Kerjasama Antara Klien Dengan Perusahaan Wedding Organizer

Occasionally, one of the parties involved in the client-wedding organizer company's cooperation agreement will decide to back out of the deal. Specifically, from Article 1446 to Article 1456, KUHPerdata acknowledges and regulates the agreement's termination. But you can't just terminate any old agreement; you have to follow the rules laid out in Article 1320 KUHPerdata.An organization in the service sector, the wedding organizer helps engaged couples or soon-to-be-weds, together with their families, with every step of the wedding preparation and celebration process. Our study's overarching goal is to learn who exactly is at fault when a client and wedding planning company decide to end their cooperation arrangement. This study employed the normative legal research approach, also known as normative juridical research. This research employs legal resources, such as KUHPerdata and Law Number 8 of 1999 Concerning Consumer Protection, to undertake qualitative analysis of the data. First and foremost, according to the research, the laws specified in Articles 1446–1456 of KUHPerdata and Articles 5 and 7 of Law Number 8 of 1999 Concerning Consumer Protection establish the basis for accountability. Second, the debtor is not liable for compensation under Article 1244 of KUHPerdata and Article 1245 of the Force Majeure clause of the contract, which absolves the debtor of such liability. In addition, the twenty percent client reimbursement policy is just that a policy of the company.

Bioaccumulation of microplastics in the edible tissues of fish collected from urban lakes of Bangladesh: a potential exposure to public health.

Microplastic (MP) pollution is an emerging environmental problem, due to its universal dispersion. In the present study, we determined the MP pollution in water, sediment, and fish samples of three different urban lakes of Bangladesh to assess the bioaccumulation of MPs from the lake environment to fish's edible (flesh) and inedible tissue (gut), ecological risk and consequent human exposure to MPs by fish consumption. A total of forty-three fishes were collected from Jahangirnagar Co-Operative Housing Society (JCHS), Dhanmondi Lake (DL), and Saturia Thana Lake (MST). The average MP concentration in sediment and water of the lakes is 7588 ± 4353 MPs/kg dry weights; 142 ± 22 MPs/L, respectively. MPs were identified in the edible (2.8-20.2 MPs/g) and inedible (2.27-20.93 MPs/g) tissue of all fish species. The highest number of MPs was observed in the flesh of Labeo bata of the JCHS Lake and in the gut of Catla catla of DL. The most dominant shape of MPs was fiber and fragment, 0.1-0.4 mm was the dominant size range, and blue, purple, and transparent were the dominant colors. The presence of six polymer types was revealed by FT-IR analysis, which were polystyrene, polypropylene, nitrile, ethylene vinyl acetate, high-density polyethylene, and nylon. The concentration of MPs in fish is found to increase with the increment in body weight. The bioconcentration factor (BCF) analysis reveals that among all the fish species, Labeo bata and Oreochromis mossambicus accumulate the highest number of MPs from the lake environment. The pollution load index of MPs indicates that the sampling sites were within hazard levels III-IV. Estimated annual intake reveals that humans will be exposed to the highest number of MPs if they consume the flesh of Labeo bata of DL and JCHS Lake.

The practical applicability of the concept of the beneficial owner in non-profit legal entities

This research is focussed on evaluating the practical applicability of the concept of the beneficial owner in a special type of legal persons—non-profit entities. Specifically, such legal persons as cooperative societies, political parties and alliances thereof, associations and foundations, as well as religious organisations and their institutions are examined. The aim of this research is to analyse the norms that prescribe the legal definition of the beneficial owner and methods of control exercised thereof with respect to non-profit entities and substantiate the necessity to improve these norms to have a larger public credibility of information registered in the public register. In order to achieve this aim, such research methods as doctrinal analysis of the relevant legal norms on beneficial owners of non-profit entities, as well as case studies to illustrate the current practice of registration of the beneficial owners are applied. The principal conclusion of this research is that non-profit entities are underregulated in the anti-money laundering (AML) field, and legal framework on their beneficial owners needs serious amendments to achieve accuracy, consistency and public credibility of the information that non-profit entities submit to the Register of Enterprises as regards their beneficial owners. Keywords: beneficial owners, non-profit entities, public register, Register of Enterprises, technical beneficial owner.

Freedom to dream: Black Owenites and co-operation in America

Robert Owen’s vision of a co-operative society inspired two centuries of utopian experimentation among African Americans. In the nineteenth century white planter Joseph Davis and Scottish reformer Fanny Wright attempted to apply Owenite principles to their management of slave plantations. After emancipation freed people founded Black towns, such as Mound Bayou, Mississippi, pooling their resources to protect themselves against white supremacist violence. During the Great Migration in the 1910s and 1920s, W. E. B. DuBois and other Black activists and intellectuals promoted co‑operatives in urban centres. And the Great Depression of the 1930s inspired significant experiments in co‑operation, most notably the prosperous utopian community of Father Divine’s Peace Mission. While the post-war period saw a decline in co-operation, in more recent decades there has been a resurgence in interest in the movement. From co-operative grocery stores to large-scale utopian communities, African Americans drew on Owenite ideas of co-operation to assert their independence and self-sufficiency.

The Ralahine experiment and the politics of land in late nineteenth-century Ireland

In 1823 Robert Owen arrived in Dublin to give a series of lectures setting out how a ‘New View of Society’ might be made manifest in Ireland. At the heart of Owen’s vision was the establishment of a series of co-operative, self-sustaining communities that would at once take people out of poverty while shaping their moral character. Owen’s visit would have been unremarkable if not for the fact that ten years later, a landlord called John Vandeleur reorganised his estate into a co-operative colony: Ralahine co-operative society, an Owenite commune where tenant farmers effectively become co‑partners in the estate’s management. Even though two years later the society collapsed, the legacy and memory of Ralahine exerted a hold over the imaginations of an assortment of land reformers, nationalists, and co-operators in Ireland. This article shows how a failed experiment in co-operative community building created an influential resource of co-operative knowledge that shaped political imaginaries and inspired alternative visions of property ownership in response to crises occurring in the second half of the nineteenth century. In particular, the work of Owenites involved in Ralahine, such as Craig and William Pare, is examined to locate the enduring historical relevance of the Irish Owenite commune.

Does the Weavers’ Cooperative Society Yield Higher Income to the Handloom Weavers? Evidence from Odisha

Does the Weavers’ Cooperative Society Yield Higher Income to the Handloom Weavers? Evidence from Odisha

RESPONSIBILITIES AND LIMITATIONS OF THE RESIDENT WELFARE ASSOCIATIONS (RWA) IN INDIA.

A Resident Welfare Association (RWA) is a Non-governmental organization representing the interests of the residents of a specific urban or semi-urban locality in India. Resident Welfare Association is not an official government body, and illegal housing localities in India can form RWAs to represent citizen interests. Each residential colony has its own resident welfare association (RWA). Its primary objective is to work toward the common good of all residents in a given area, as the name suggests. At the same time, it is governed by roles and responsibilities to ensure its efficient operation. RWAs are typically registered under cooperative societies acts; it requires groups to have a minimum of fifteen members from a given area, or under the Apartment Owners Act of the state as an "association of apartment owners" or under Societies Registration Act (central Act or state Act), it needs minimum ten members. RWAs are being created in any apartment for better coordination, living style, and harmony among the residents. Sustain social connection is always a priority but not at the cost of discipline. Due to various reasons, the clubs and special interest groups sometimes create problems for the normal functioning of the RWAs. Many issues and conflicts are reported due to the absence of the basic standard operating system of the RWA governance. The Residents Welfare Association of the high-rise buildings of the smart cities is evolving, and there is no clear-cut guideline for the RWA governance from the government. So it is essential to conduct a deep study for the effective functioning of the Residents Welfare Association in India. The essence of the study is to identify the roles, responsibilities, limitations, and challenges of the Residents Welfare Association in India.

Financial Risk and Governance Nexus in Nepalese Cooperative Societies

This study aims to investigate the relationships between credit default risk, leverage risk, liquidity risk, and investment risk and their connection to the governance system of Nepalese cooperative societies. The research hypothesis tries to explore that these financial risks are not significantly associated with the governance system of cooperatives. The findings reveal a significant connection between the governance system of cooperatives and credit default risk, leverage risk, and investment risk. However, liquidity risk does not demonstrate a substantial link with the governance system, suggesting the influence of additional factors. These results underscore the pivotal role of effective governance in mitigating financial risks within cooperative societies. Interestingly, the lack of a significant connection between liquidity risk and the governance system implies that other factors are at play in influencing liquidity risk. These insights provide valuable guidance for policymakers and cooperative management, facilitating the enhancement of governance and risk management strategies, and ultimately contributing to the sustainability of cooperative societies in Nepal. The evaluation involves a comprehensive analysis of financial risks and the governance system in Nepalese cooperative societies, utilizing data from a sample of 126 cooperative societies in Kathmandu.

Make Microfinance Great Again: Can Flexibility in Repayments Improve Business Outcomes in North India?

Classic microfinance loan contracts characterised by rigid weekly repayment schedules used by most microfinance institutions (MFIs) offer little flexibility—and little benefit—to borrowers who are poor and have seasonal income. Previous research has also shown that such contracts can negatively affect the economic well-being of poor borrowers leading to underinvestment of capital, selling of productive assets, over-indebtedness through cross-financing from informal sources, reductions in consumption and income, and in some cases, a deterioration in borrowersʼ mental health arising from stress and worry. If lenders offered more flexibility in loan repayment schedules, would it help to overcome some of these problems? To explore this, we tested whether clientsʼ business outcomes were sensitive to various repayment schedules using primary data collected from the clients of three MFIs, a cooperative society and a few local traders specialising in business lending in a village in North India. We analysed alternatives to the rigid contract model, focussing on the degree of flexibility and the length of gap between repayments in the loan schedule. This study finds that clients repaying their loans monthly invested more in their businesses and earned higher income, compared both to those who repaid weekly and to those with an irregular payment schedule. JEL Codes: G12, D12, O16, O12

Management of inactive records by cooperatives in Lake Zone, Tanzania

Cooperatives in Tanzania’s Lake Zone generate many records that have archival value, but they face challenges in managing them when they become inactive. This study aimed to assess the status and experiences of managing inactive records by cooperatives in Lake Zone and the prospects for improving their management. A mixed methods approach with cross-sectional research design were employed in which data were collected from board members of eight cooperatives through focus group discussions, face-to-face interviews, observation, and document review. Thematic content analysis was used to analyse the data. The study revealed that Tanzania has a rich collection of inactive cooperative records, but they are scattered in various cooperative societies across the country without proper management. Consequently, most of inactive records were dumped in rooms and wet places with insects that were inaccessible to users. The board members did not recognise the importance of the generated records in the cooperative movement. In addition, they were unaware of the availability of Records and Archives Management Policy as a guiding tool to ensure proper management of the generated cooperative records. This study established that the Records and Archives Management Policy was silent about managing cooperative records. The study concluded that cooperatives need to develop legal frameworks for cooperative records keeping, provide resources and training for records management, and create awareness of the value of archival records among cooperative members.

Small ruminant value chain in Al-Ruwaished District, Jordan

This study aims to assess the small ruminant value chain in Al-Ruwaished District, Jordan, to identify the potential intervention areas that could improve the production efficiency and guarantee the sustainability of the small ruminant sector in this area. Sheep breeding is the source of livelihood for most of the people in Al-Ruwaished District, which is characterized by the large number of sheep and goats. We surveyed 5.0% of the small ruminant holders in the study area and conducted individual interviews and surveys with the potential actors in the value chain to undertake a small ruminant value chain analysis. From the survey, we found that the small ruminant value chain consists of five core functions, namely, input supply, production management, marketing, processing, and consumption. Despite the large number of holdings that gives an impression of the stability to the small ruminant sector, the surveyed results show a clear fragility in the value chain of small ruminants in this area. The small ruminant production system is negatively impacted by climate change, especially continuous drought. In addition, the high prices of feed that the farmer cannot afford with clear and real absence of the governmental and non-governmental support activities also impact the development of the value chain. The results of strengths, weaknesses, opportunities, and threats (SWOT) analysis reveal that the major constraints faced by this value chain could be divided into external and internal threats. Specifically, the most prominent external threats are the nature of the desert land and continuous drought, while the major internal threats are the absence of appropriate infrastructure, shortage of inputs, and weakness in the production management and marketing. We proposed solutions to these challenges to ensure the sustainability and effectiveness of the sector, such as the formulation of emergency response plans to severe weather, qualifying farmers’ skills, and establishment of agricultural cooperative societies.

Analysis on the Path of Continuous Reconstruction of Urban Villages in Shenzhen from the Perspective of Integration of Industry and City

As an international metropolis, Shenzhen is grappling with increasingly strained land resources after years of development. At present, the new construction land that can be developed is very scarce, shifted the city into the secondary urbanization stage with the development of stock land as the main factor. As the main source of Shenzhen's stock land, urban village land is of great significance to the construction planning of the integration of industry and city. However, a large number of urban village land managed by community joint-stock cooperative companies involves historical issues, illegal and inefficient use, complicating the secondary development of Shenzhen's stock land. The application of the Theory of Urban Land Value-added Income Distribution reveals a decreasing number of urban village projects meeting the threshold for Urban Renewal. Simultaneously, the commercial return rate of Land Preparation and Interest Coordination is declining, posing challenges to the large-scale continuous transformation of urban villages in Shenzhen. In order to solve the dilemma of urban village reconstruction caused by the complex Dual Land Structure in Shenzhen, based on the analysis of Urban Renewal and Land Preparation Theory, this paper innovatively proposes the mode of "Industrial Preparation + Urban Renewal", which is consistent with the planning basis of the integration of industry and city in Shenzhen. Through the project of "Longhua Meiguan Innovation Corridor Industrial Block", this paper analyses in detail how to coordinate and promote Industrial Preparation and Urban Renewal, how to simplify the process of dealing with the historical issues of land on the basis of respecting historical objective facts, and how to optimize the transformation process to realize the decentralization in the theory and practice of continuous transformation of villages in cities. In this way, the legal land indicators of Urban Renewal and Land Preparation can be complemented, the process of approval and negotiation can be optimized, and the overall development of the project can be increased on the premise of lower legal land indicators, so as to realize the balance of interests among all parties and the overall planning of the integration of industry and city.

The impact of social interaction and information acquisition on the adoption of soil and water conservation technology by farmers: Evidence from the Loess Plateau, China

The adoption of soil and water conservation (SWC) technology is a key strategy for reducing global land degradation and improving agricultural productivity. This study uses survey data from households in the Loess Plateau in 2017 to evaluate the impact of social interaction on the decision-making process of SWC adoption by farmers. It measures the mediating effect of information acquisition and the moderating effect of internet use and deploys the probit model, general decomposition (KHB) model, and moderated effect model for analysis. The study found that the level of SWC adoption by farmers in the Loess Plateau of China remains relatively low, with only 57.3% of farmers adopting SWC, whereas social interaction increases the possibility of farmers adopting SWC by 10.0%. Accordingly, the paper argues that social interaction can encourage farmers to adopt SWC by improving their ability to acquire information, while internet use can positively moderate the impact of social interaction on farmers' adoption of SWC. Furthermore, the study found the positive impact of social interaction on SWC adoption is more pronounced for farmers in larger villages and those who join cooperative societies. Therefore, the research results provide a new perspective for promoting SWC in China, emphasizing the importance of enhancing social interaction improving farmers' ability to acquire information, and accelerating internet use.

Challenges and Opportunities of Agricultural Cooperative Societies on Economic Sustainability of Rural Dwellers in Ekiti State, Nigeria

The study ascertained the influence of agricultural cooperative society on economic sustainability of rural dwellers in Ekiti State, Nigeria while the specific objectives are examining socio-economic factors affecting participation of rural dwellers in agricultural cooperative society and determine the challenges of agricultural cooperatives towards the achievement economic sustainability of rural dwellers in Ekiti state, Nigeria. The population of the study comprise of 331 selected agricultural cooperative societies in four selected local governments in Ekiti State namely Ado Ekiti, Ikole Ekiti, Irepodun/Ifelodun and Oye Ekiti Local Government Area while the sample was 175 derived from Taro model using random sampling techniques. Data for the research was analysed using descriptive and inferential statistics. Descriptive statistics employed are specifically percentages and frequency tables and the inferential statistics used was multiple regression analysis. The result showed that socio-economic factors: funds for production (0.000), loan (0.000), infrastructures/storages (0.015) and challenges of agricultural cooperatives: subsidize (0.002), loans repayment (0.000). There is significant effect of agricultural cooperative society on economic sustainability of rural dwellers in Ekiti State, Nigeria. The study concluded that cooperative members lack sufficient funds for production due to the enormous sums of money involved, loans from government and private institutions as a result of the nation's current economic crisis, lack of opportunities for rural residents to sell their farm products.

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.

Microcharity: a promising alternative to microcredit for poverty alleviation

PurposeMicrocharity is a non-profit organization promoting social brotherhood through small donations and volunteer services among diverse members, aiming to address poverty through compassion, cooperation and humanitarianism. The study aims to comprehend the role of microcharity as an alternative to microcredit for poverty alleviation. It sheds light on the modus operandi, prospects and problems associated with microcharity.Design/methodology/approachThe current study used a qualitative research design to investigate a social phenomenon while involving the researchers directly. The study applied participatory action research by involving participants and researchers to comprehend social challenges and evaluate their experiences. The study made considerable use of participant-observer data and field observations.FindingsIt has been revealed that microcharity has potential to address social challenges faced by the marginalized and vulnerable section of society.Research limitations/implicationsThis study is based on participatory action research, and therefore, it suffers from academic standardization and heavily depends on researchers. On the other hand, it offers practical approach to solve social problems and would bring forth realistic resolution by offering insights of those making use of micro charity for philanthropic activities.Practical implicationsThe article is especially helpful for communities that must respond to emergencies and will be beneficial to individuals and institutions working for social welfare.Social implicationsIt will bring forth various facets of micro charity as an alternate for fundraising to rescue sufferers of social exigencies through collective efforts.Originality/valueThe article represents original scholarly research, leveraging the researchers' personal experience to enrich the understanding of microcharity. Its implications are valuable for communities involved in social welfare and can benefit individuals working for charitable institutions, cooperative societies, NGOs and social welfare programmes of government. Additionally, the study's insights can aid researchers in designing new methodologies to explore microcharity and its impact on social welfare initiatives.

Relationship between Lending Requirements and Loan Performance of Deposit Taking Savings and Credit Cooperative Societies in Kenya

Savings and Credit Cooperative Societies play an important role in providing financial services to many Kenyans. SACCOs have been identified as crucial growth engines in many countries across the world. According to the Sacco Society Regulatory Authority (SASRA) Annual report for 2021, the amount of NPLs increased from Kes 25.79 billion in 2019 to Kes 39.86 billion in 2020. The goal of this study was to determine the relationship between lending requirements and loan performance of deposit-taking SACCOs in Kenya. The anchoring theory was credit default theory. The study used a causal approach research design with a target population of the study 11 SACCOs in Meru County selected using purposive sampling. Results showed that revealed a strong and positive relationship between the lending requirement and loan performance. The study concluded that lending requirements and loan performance are positively and significantly correlated. The study recommends that DT-SACCOs should have a credit risk management policy that guarantees loan repayment, accurate estimation of loan defaults, and suitable mitigation measures.