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August 11, 2025IOSR Journal of Economics and Finance

Credit Risk Management and Financial Performance: Evidence from Deposit-Taking Savings and Credit Cooperative Societies in Kenya.

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Authors

SOStephen ObondyJAJosiah AdudaKOKennedy Okiro

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Overview

Descriptive analysis shows credit risk management enhances financial performance in DT-SACCOs, implying improved profitability.

Key Points

  • Credit risk management positively affects financial performance, improving ROA significantly.
  • Three core dimensions of credit risk management—risk identification, analysis, and control—enhance financial outcomes.
  • Descriptive cross-sectional design focused on 176 licensed DT-SACCOs in Kenya from 2017 to 2022.
  • Findings highlight the necessity for strong credit risk management systems to ensure financial viability.

Cite This Study

Obondy et al. (2025) studied this question.

synapsesocial.com/papers/68a35ef30a429f79733283f9https://doi.org/10.9790/5933-1604030106
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Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1Asset Quality and Financial Performance of Deposit Taking Savings and Credit Cooperative Societies in Kenya2024
  2. 2Sacco Based Financial Characteristics and Financial Performance of Deposit Taking Savings and Credit Co-operative Societies in Kenya2024 · 2 citations
  3. 3Evaluating the Role of Risk Management Strategies in Shaping Financial Performance of Deposit Taking SACCOS in Kenya’s Eastern Region2025
  4. 4Evaluating the Role of Risk Management Strategies in Shaping Financial Performance of Deposit Taking SACCOS in Kenya’s Eastern Region2025
  5. 5Influence of Credit Risk Supervision Strategies on Financial Performance of Deposit-Taking SACCOs in Mombasa County, Kenya2024 · 1 citations