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    The impact of Sasra regulations on the financial performance of Sacco’s in Kenya

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    Date
    2012-11
    Author
    Kilonzi, Benson K
    Type
    Thesis
    Language
    en
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    Abstract
    SACCOs in Kenya are required to adhere to regulations set in Sacco’s regulation authority (SASRA). The management has to present the capital adequacy return reports, liquidity statement report, Statement of financial position and Statement of deposit return as well as Return on investments report which compares land, building, and financial assets to the SACCO’s total assets and its core capital. This study sought to fill the existing knowledge gap to determine the effect of SASRA regulation on Sacco’s financial performance and to answer the questions what is the impact of SASRA regulations on SACCO’s financial performance in Kenya. The objective of the study was to establish the impact of SASRA Regulations on SACCO financial performance in Kenya. Causal research design was chosen to establish the effects of SASRA regulations on the financial performance of SACCOs in Kenya. The study targeted the 98 SACCOs registered by SASRA. The sampling method chosen for this study was purposive sampling which is a form of non-probability sampling to select 30 SACCO based in Nairobi. The study used secondary data. The secondary data was collected from the financial statements of the SACCOs to obtain information on annual earnings of the SACCOs registered under SASRA. A linear regression model of SACCOs return on assets versus SASRA regulations was applied to examine the relationship between the variables. From the findings, the study found that higher capital requirements, and increase in management efficiency impacted positively to SACCO’s profitability in the post- capital regulation period. The study revealed that capital regulation affects financial performance in SACCOs. The study concluded that financial stability could be at risk as a result of shocks impinging on the economic system and absence of proper policy adjustments to mitigate the effects of these shocks. For policy implications, the findings indicate the importance of reviving demand for credit using macroeconomic policies.
    URI
    http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/13277
    Citation
    MBA Thesis
    Sponsorhip
    University of Nairobi
    Publisher
    School of Business, University of Nairobi
    Subject
    Financial performance
    Sacco societies
    Kenya
    Collections
    • Faculty of Arts, Law, Social Sciences & Business Mgt (FoA/FoL/FSS /FSS/FBM) [24140]

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