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ISSN Approved Journal No: 2456-3315 | Impact factor: 8.14 | ESTD Year: 2016
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Impact Factor : 8.14

Issue per Year : 12

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Paper Title: Risk Assessment and Credit Risk in Registered Deposit Taking Saccos in Western Kenya
Authors Name: Janet Mongina , Denis Ouma , Joseph Otsyulah
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IJRTI_184475
Published Paper Id: IJRTI2211011
Published In: Volume 7 Issue 11, November-2022
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Abstract: Abstract: The study was aimed at establishing the effect of risk assessment on credit risk in deposit taking Saccos in Western Kenya. A descriptive research design was used while the sample size was obtained through simple random sampling. The target population comprised 212 respondents from all registered deposit-taking SACCOs in Western Kenya. Primary data was collected using questionnaires, while secondary data was obtained from audited financial statements of the SACCOs using a secondary data collection sheet. Validity was ensured using the pilot study to detect any ambiguities while Cronbach Alpha (α) was used to measure reliability. Statistics were generated using both descriptive and inferential methods. Descriptive data included; frequencies and percentages. Diagnostic tests comprised; normality, autocorrelation, multicollinearity, and heteroscedasticity. Inferential statistics contained correlation analysis, multiple regression analysis, and ANOVA. Risk assessment was found to have a significant relationship with credit risk in deposit taking Saccos in Western Kenya. It was recommended that SACCOs should have proper risk assessment procedures to help them identify and handle risks.
Keywords: Keywords: Risk Assessment, Saccos, Credit Risk, Western Kenya
Cite Article: "Risk Assessment and Credit Risk in Registered Deposit Taking Saccos in Western Kenya", International Journal of Science & Engineering Development Research (www.ijrti.org), ISSN:2455-2631, Vol.7, Issue 11, page no.68 - 73, November-2022, Available :http://www.ijrti.org/papers/IJRTI2211011.pdf
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ISSN: 2456-3315 | IMPACT FACTOR: 8.14 Calculated By Google Scholar| ESTD YEAR: 2016
An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.14 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator
Publication Details: Published Paper ID: IJRTI2211011
Registration ID:184475
Published In: Volume 7 Issue 11, November-2022
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Page No: 68 - 73
Country: Nairobi, N/A, Kenya
Research Area: Commerce
Publisher : IJ Publication
Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2211011
Published Paper PDF: https://www.ijrti.org/papers/IJRTI2211011
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ISSN: 2456-3315
Impact Factor: 8.14 and ISSN APPROVED
Journal Starting Year (ESTD) : 2016

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