Gachenga, John; Kamau Muthoni, Denis; Metto Kipkemboi, Wilson
(Journal of Accounting, Finance and Auditing Studies, 2025-09-09)
Savings and Credit Cooperative Organizations (SACCOs) play a pivotal role in promoting financial inclusion, reducing poverty, and supporting social welfare especially in rural and underserved areas. However, 21% of DT-SACCOs ...