THE INFLUENCE OF CREDIT HANDLING ON SAVINGS MOBILIZATION IN CO-OPERATIVES IN NYAMIRA COUNTY

Abstract

The purpose of the research was credit handling and savings mobilization in co-operatives in Nyamira County. It was conducted using descriptive research design among co-operative members in savings and credit co-operatives. The statistical sample consisted of 220 members who were randomly selected and studied through questionnaire. The questionnaire was used and its reliability was ascertained by the Cronbach’s alpha coefficient which was at 0.991. The data was analyzed using STATA 13 software. The data was collated using the Likert scale. The results showed that credit handling highly influenced saving mobilization through co-operatives among the people of Nyamira. Therefore, it is recommended that credit handling which significantly influences savings mobilization in Nyamira County should be taken seriously when dealing with savings mobilization, government policies and programmes. The findings of the study will be useful for the County and National Governments in formulating coherent Policies that address developmental challenges in co-operatives.