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The Effect of Credit Risk Management on Profitability of Saccos in Rwanda

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Observational analysis shows loan recovery management improves profitability in SACCOs, highlighting critical strategies.

Loan recovery management positively impacts SACCO profitability in Kayonza District, offering a potential avenue for improvement.
Client appraisal was found to have no significant relationship with the profitability of SACCOs, indicating a need for stronger evaluation methods.
Data analysis utilized multiple linear regressions to identify critical factors affecting SACCO profitability in the study population.
Implications suggest that effective credit risk management strategies may enhance financial health for SACCOs, supporting local economic stability.

Dr RUDAHIGWA OSWALD (2025) studied this question.

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