| dc.description.abstract | This study analyzed the effect of risk assessment and financial performance in saccos. It was
conducted under three objectives which sought to; client identification, client monitoring and
evaluation and loan processing appraisal,
A case study was used for both quantitative and qualitative analysis on a sample of 80
respondents. The sample was selected using simple random and purposive sampling
techniques. Data was obtained by use of questionnaires. Data was analyzed qualitatively and
quantitatively. Quantitative data was analyzed using the Statistical Package for Social
Scientists 16.0 (SPSS) program. Qualitative data was interpreted by composing explanations
and substantiating them using the respondents open responses.
The study found out that there was a relationship between client identification and financial
performance, client monitoring and evaluation and financial performance, relationship
between loan processing appraisal and financial performance.It also found out there was a
good relationship between risk assessment and fiancial performance of saccos. Therefore, the
study concluded that risk assessemntt has big or effect on the financial performance of
Saccos. Though risk assessment has an influence on the fiancial performance of Saccos.
Similarly,monitoring and evaluation has an effect on the financial performance of Saccos. It
was thus recommended basing on the findings and critical literature; risk assessement of
Saccos should focus on monitoring the performance of their businesses by understanding
their profitability, liquidity and non performing loans, leaders of local governments should
train Saccos owners on how to manage their credits in order to attain desired performance
and growth in business. | en_US |
