Master Theses and Dissertations (MST)https://repository.cuk.ac.ke/handle/123456789/5412024-03-29T00:00:26Z2024-03-29T00:00:26ZAn Analysis of Factors Influencing Small Scale Dairy Farmers Choice of Cooperatives as Milk Marketing Channels in Githunguri Subcounty, Kiambu County.Kamamia, Jameshttps://repository.cuk.ac.ke/handle/123456789/6512022-04-21T12:40:28Z2020-01-01T00:00:00ZAn Analysis of Factors Influencing Small Scale Dairy Farmers Choice of Cooperatives as Milk Marketing Channels in Githunguri Subcounty, Kiambu County.
Kamamia, James
In many parts of Kenya, small scale dairy farming is common.This can be attributed to increase in demand for milk due to increase in population in urban areas. Farmers sell milk through cooperatives, direct sale, brokers and processors. Dairy farming is practiced throughout the world. This research sought to determine to assess determinants of small-scale dairy farmer’s choice of customer in Kenya. The study was carried out in purposively selected Githunguri Sub County in Kenya. The study was guided by 3 questions derived from the objectives. To what extent does customer accessibility, volume of milk produced and terms of trade determine choice of customer by small scale dairy farmers in Kenya. Empirical literature review presented a research gap for this project. The research was anchored on rational choice theory. The relationship between research variables was demonstrated by a configured conceptual framework. The study sampled 375 small scale dairy farmers in Githunguri Sub-county Kiambu County. Simple random sampling technique was employed in selecting the sample. Data was analyzed using descriptive and inferential statistics. Descriptive statistics was in form of frequency distributions and percentages. Inferences are in terms of Chi square test (P < 0.05). Data was presented in form of tables. The findings from the study indicated that customer accessibility, volume of milk produced, and terms of trade determined small scale dairy farmers’ choice of customer in Kenya. The study concluded that majority of farmers chose dairy cooperatives and direct selling as the preferred customers compared to brokers and processors. The study recommends that County Governments improve the state of roads so that farmers can easily access their customers of choice, invest in technology so that small scale dairy farmers can communicate with their customers in real time, develop policies that will enable small scale dairy farmers improve livestock breeds for more milk production and educate farmers on the importance of written contracts.
A Research Project Submitted in Partial fulfilment of the Requirements for The Degree of Master in Co-Operative Management, The Co-Operative University of Kenya
2020-01-01T00:00:00ZEffect of Use of Information Communication and Technology on Corporate Performance of Deposit Taking Savings and Credit Cooperatives in Nairobi County, KenyaJeruto, Joanhttps://repository.cuk.ac.ke/handle/123456789/6262022-04-20T07:12:47Z2019-01-01T00:00:00ZEffect of Use of Information Communication and Technology on Corporate Performance of Deposit Taking Savings and Credit Cooperatives in Nairobi County, Kenya
Jeruto, Joan
Savings and Credit Cooperatives that undertake the deposit taking activity are the
most significant types of cooperatives that help in providing saving and credit
facilities to their members. SACCOs are operating in a competitive and dynamic
environment facing stiff competition from other financial institutions that transact the
same type of business. Technological advancement has been the driving force within
the financial sector which has been evidenced by the innovative ideas that are
frequently introduced in the financial sector. To enhance corporate performance,
SACCOs should keep abreast with the innovative ideas introduced in the market so
that they can maintain and sustain their competitive advantage in the industry. The
study sought to find out the effect of use of Information Communication and
Technology on the corporate performance of deposit taking SACCOs in Nairobi
County. The study was guided by the following specific objectives; to examine the
effect of online banking on corporate performance of Deposit taking (D-T) SACCOs
in Nairobi County, to determine the effect of mobile banking on the corporate
performance of D-T SACCOs in Nairobi County and to determine the effect of online
marketing on the corporate performance of D-T SACCOs in Nairobi County. The
study was based on two theories: the innovation diffusion theory and technology
acceptance model. Descriptive research design was adopted for the study with a
sample frame consisting of IT managers of D-T SACCOs in Nairobi County with a
target population of 44. Census sampling technique was adopted. The study used
quantitative method. Data was collected through administration of questionnaire
which was designed with a five-point Likert scaling to measure levels of agreements
towards the statements. The study also used expert opinion to measure the validity of
research instrument. Pilot study was used to test the reliability where Cronbach alpha
co-efficient was utilized to confirm the reliability of the research instrument. Data was
analyzed using the descriptive statistical techniques and inferential statistical
techniques. Analyzed data was presented on tables and chart. The study findings
indicated that internet banking, mobile banking and online marketing have positively
impacted on corporate performance D-T SACCOs in Nairobi County. The study
concluded that use of ICT, that is, internet banking, mobile banking and online
marketing have positively impacted on corporate performance of D-T SACCOs in
Nairobi County. This was as reflected by the correlation and regression results.
Specifically, the study concluded that the effect of internet banking on corporate
performance was positive and significant. This was as reflected by the regression
results (β = 0.642, p= 0.001). The study also concluded that mobile banking is
positively and significantly related with corporate performance as shown (β = 0.296,
p= 0.030). The study also concluded that online marketing is positively and
significantly related with corporate performance as shown (β= 0.320, p= 0.010). The
study recommended that the D-T SACCOs need to explore further afield to find out why
there still exist customers who are not adopting or slow at adopting the mobile and
internet technology. The study will be important to stakeholder in the cooperative
sector and government. DT SACCOs provides savings and credit facilities which will
helps the government in implementing the big four and its flagship project on science,
technology and innovation which is geared towards achieving vision 2030.
A Research Project Submitted in Partial Fulfillment of
the requirements of the Award of Master in Co-operative
Management of The Co-Operative University of Kenya
2019-01-01T00:00:00ZAnalysis of Financing Structure on Financial Performance of Savings and Credit Co-Operative Societies in Kikuyu Sub-County, Kiambu County, KenyaZachariah, Mburu Munyambuhttps://repository.cuk.ac.ke/handle/123456789/6222022-04-19T09:09:33Z2019-01-01T00:00:00ZAnalysis of Financing Structure on Financial Performance of Savings and Credit Co-Operative Societies in Kikuyu Sub-County, Kiambu County, Kenya
Zachariah, Mburu Munyambu
A SACCO plays prominent roles by providing financial services. SACCOs solicit funds
internally and externally enabling continuous banking services. This research study
focused on assessing the effects of financing structure on the financial performance of
SACCOslisted in Kikuyu Sub-county, Kiambu County, Kenya. The dependent variable
was measured by dividing surplus over equity while the independent variable was
attained by dividing debt with equity. The causal research design was adopted in
establishing contributory properties of an independent variable. The research was pegged
on trade-off, pecking order and market timing theory. Collected data was an extract from
audited published business reports of all registered SACCOs by end of the year 2017
in Kikuyu Kiambu County Co-operatives Office. It was put in SPSS and analyzed
quantitatively using correlation, analysis of variance and regression analysis. Findings
obtained exposed that SACCOs financing structure had moderate correlation which
significantly explained the variance in financial performance. The moderating
conclusion revealed that urban-based SACCOs, those that did not give dividends and
ones with years in operation from 11-20 independently and significantly clarified the
variance between the financial structure and financial performance. Research finding
recommends adoption of more elaborative combined financing options leading to
improved financial performance. Research findings called for government becoming
instrumental in offering financial assistance to aid SACCO's to cope with the intensified
rebates charges charged by commercial banks. According to this study, members’
deposits are not a SACCO’s obligation to pay rather a common bond factor within
members.
A Research Project Submitted to The Department of
Co-Operatives and Agribusiness Management, School of
Co-Operatives and Community Development in Partial
Fulfillment for the award of the Degree of
Master of Co-Operative Management
at The Co-Operative University
of Kenya
2019-01-01T00:00:00ZRisk Reduction Practices on Financial Competitiveness of Savings and Credit Co-Operative Societies in Kirinyaga County, KenyaKinyua Muchiri, Hanielhttps://repository.cuk.ac.ke/handle/123456789/6212022-04-19T08:58:36Z2021-01-01T00:00:00ZRisk Reduction Practices on Financial Competitiveness of Savings and Credit Co-Operative Societies in Kirinyaga County, Kenya
Kinyua Muchiri, Haniel
Despite the existence of SASRA regulation, many SACCOs are still experiencing
challenges due to the inability to manage various risks more efficiently. High costs of
operation, non-performing loans and changes in interest rates are some of the aspects
which have contributed to the deteriorating financial performance of SACCOs in
Kirinyaga County. To overcome the challenges facing SACCOs this study sought to
investigate risk reduction practices adopted by SACCOs in Kirinyaga County to
enhance financial competitiveness. This study was based on the financial theory, Credit
Risk Management theory and the Stewardship theory. The specific objectives of this
study were: to determine the risk prevention practices employed by SACCOs, to
investigate the risk detection practices employed by SACCOs and to determine the risk
control practices employed by the SACCOs in Kirinyaga County. The study adopted
descriptive research design in order to assess the problem under investigation. The study
adopted a census approach to collect information from 23 SACCOs operating in
Kirinyaga County. Primary data was collected from the top management of the
SACCOs using questionnaires. Data collected was analyzed using the Statistical
Package for Social Sciences (SPSS version 21) software. The response rate of the
administered questionnaires stood at 75%. The descriptive statistics utilized in this
study were mean, percentages and standard deviations whereas the inferential statistics
included; ANOVA, multivariate and bi-variate regression and Pearson Correlation. The
study established a positive and significant relationship between the independent
variables; risk prevention practices, risk detection practices and risk control practices
and the dependent variable financial competitiveness of SACCOs within Kirinyaga
County. The coefficient of determination was at 83.1 %, an indicator that the three
explanatory variables explained more than eighty percent of variance in the financial
competitiveness of SACCOs in Kirinyaga County. The p-value and regression
coefficients generated after running the regression model were as follows; for risk
prevention practices (β= 0.471, p= 0.012), risk detection practices (β= 0.251, p=0.037)
and risk control practices (β= 0.376, p= 0.003). The study concluded that risk
prevention practices, risk detection practices and risk control are important in
influencing the financial competitiveness of SACCOs. This study therefore,
recommends the implementation of risk management strategies in all the SACCOs in
order to improve their financial competitiveness. The findings of this study are of
benefit to the practitioners’ in the co-operative sector, policymakers and researchers in
the field of risk management
A Research Report Submitted to the Department of Co-Operative and
Community Development in Partial Fulfillment of the Requirement for The
Award of Master Degree in Co-Operative Management of Co-Operative
University of Kenya.
2021-01-01T00:00:00Z