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Influence of Technological Readiness on the Performance of E-Businesses in Kenya 技术准备对肯尼亚电子商务绩效的影响
Pub Date : 2023-09-06 DOI: 10.59952/tuj.v5i3.268
Zulfiqar Wali, C. Muraguri, Paul Wachana
The purpose of this study was to investigate the effect of technological readiness on the performance of e-business in Kenya. The study was anchored on the resource-based view theory and it adopted a positivist philosophical worldview and limited itself to quantitative methods. The study population was 112 registered e-business companies in Nairobi and the units of analysis were the 336 management-level employees of the companies. The study adopted the use of questionnaires to acquire data from respondents. The study used the census sampling technique where all the 112 registered e-business companies in Nairobi were included in the study. Both descriptive and inferential statistics were used to analyze the data. Means and standard deviations were generated from the descriptive statistical analysis and regression analysis was among the inferential statistics used in the study. The study findings established that technological readiness had a significant influence on the financial performance of e-businesses in Nairobi Kenya (β = 0.300, p < 0.05). Thus, the study concludes that technological preparedness was vital for the performance of e-business in Nairobi Kenya. The study, therefore, recommends that e-business leaders ensure their platforms develop features to enable customers to compare different product prices and have diversified offerings providing discounted prices and premium prices with added features and improved services.
本研究的目的是调查技术准备对肯尼亚电子商务绩效的影响。本研究立足于资源基础观理论,采用实证主义哲学世界观,局限于定量方法。研究对象为内罗毕的112家注册电子商务公司,分析单位为这些公司的336名管理层员工。本研究采用问卷调查的方式从被调查者中获取数据。该研究采用了人口普查抽样技术,将内罗毕所有112家注册电子商务公司纳入研究范围。采用描述性统计和推断性统计对数据进行分析。均值和标准差由描述性统计分析产生,回归分析是本研究中使用的推论统计。研究结果表明,技术准备对肯尼亚内罗毕电子商务的财务绩效有显著影响(β = 0.300, p < 0.05)。因此,研究得出结论,技术准备对肯尼亚内罗毕的电子商务绩效至关重要。因此,该研究建议电子商务领导者确保他们的平台开发功能,使客户能够比较不同的产品价格,并提供多样化的产品,提供折扣价格和附加功能和改进的服务。
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引用次数: 0
Effect of Core Capital Ratio Prudential Regulations on Financial Performance of Deposit-Taking Savings and Credit Cooperatives in Kenya 核心资本比率审慎监管对肯尼亚储蓄信用社财务绩效的影响
Pub Date : 2023-09-05 DOI: 10.59952/tuj.v5i3.264
Nancy A. Okeyo, Selefano Odoyo, Bernard Omboi
The objective of this study was to establish the effect of capital ratio prudential regulations on the financial performance of deposit-taking SACCOs (DT-SACCOs) in Kenya. The study was anchored on the public interest theory and adopted a positivist philosophy and mixed research design with primary and secondary data for the period 2014-2021 Core. The target population comprised 175 DT-SACCOs. Primary data was collected through questionnaires by stratified random sampling on DT-SACCOs regulated by the SACCO Societies Regulatory Authority (SASRA), and purposive sampling was done on the chief executive officer (CEO) of sampled DT-SACCOs. Panel data analysis was used to achieve the study objective. Both descriptive and inferential statistics were used to analyze data. The study findings revealed that core capital ratio requirement had a significant and positive effect on the financial performance of DT-SACCOs in Kenya (β =0.218, t = 6.180, p < 0.05). The study concluded that core capital ratio requirement was vital for the financial performance of DT-SACCOs in Kenya. Based on the study findings and conclusion, the study recommends to leadership in DT-SACCOs to enhance corporate governance and stability in their SACCOs since members seek to invest their resources in areas where they perceive stability and profit. Besides, the study recommends to SASRA to ensure that the risk appetite and investment prudential regulations and restrictions placed by shareholders are taken into consideration while creating DT-SACCOs’ investment portfolio.
本研究的目的是建立资本比率审慎监管对肯尼亚储蓄银行(DT-SACCOs)财务绩效的影响。本研究以公共利益理论为基础,采用实证主义研究哲学和混合研究设计,选取了2014-2021 Core期间的一手和第二手数据。目标人群包括175名DT-SACCOs。本研究采用分层随机抽样的调查问卷方式,对SACCO社团监管局(SASRA)监管的dt -SACCO进行初步数据收集,并对抽样dt -SACCO的首席执行官(CEO)进行有目的抽样。采用面板数据分析达到研究目的。采用描述性统计和推断性统计对数据进行分析。研究发现,核心资本充足率要求对肯尼亚DT-SACCOs的财务绩效有显著的正向影响(β =0.218, t = 6.180, p < 0.05)。研究得出结论,核心资本比率要求对肯尼亚dt - sacco的财务绩效至关重要。根据研究结果和结论,本研究建议DT-SACCOs的领导层加强其SACCOs的公司治理和稳定性,因为成员寻求将资源投资于他们认为稳定和利润的领域。此外,研究建议SASRA在创建DT-SACCOs的投资组合时,应考虑股东的风险偏好和投资审慎监管和限制。
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引用次数: 0
Human Resource Exchange on Team Performance in Non-Governmental Agricultural Organizations in Kenya 肯尼亚非政府农业组织团队绩效的人力资源交流
Pub Date : 2023-09-05 DOI: 10.59952/tuj.v5i3.265
Tedson Richard Nyongesa, Caren O. Ouma, T. Okech
This study examined the influence of human resource exchange on team performance in non-governmental in Kenya. This study adopted convergent mixed method research design which integrates quantitative and qualitative data. The study population included 792 employees in agricultural NGOs in Kenya. Stratified random sampling was used to select 266 respondents. This study used questionnaires as the primary tool of data collection. In addition, interview guides were used to collect qualitative data. Data was analyzed at two levels namely, quantitative data analysis and qualitative data analysis. Results show an R square of 0.215 implying that human resource exchnage in terms of support, attention, delegation, and mentorship accounts for 21.5% of team performance in Agricultural NGOs. The t-statistics results was 7.566 and significant (p<0.05), which shows that human resource exchange has a statistically significant influence on team performance in non-governmental agricultural organizations which means that reflect the strong bonds of trust and collaboration among team members. This study concluded that human resource has a statistically significant influence on team performance. Thus, developing unified, balanced exchanges fosters strong in-group and out-group relationships that benefit the team through increased cohesion, collaboration and job satisfaction.
本研究考察了人力资源交换对肯尼亚非政府组织团队绩效的影响。本研究采用定量与定性数据相结合的收敛混合方法研究设计。研究对象包括肯尼亚农业非政府组织的792名雇员。采用分层随机抽样法抽取266名调查对象。本研究采用问卷调查作为数据收集的主要工具。此外,访谈指南用于收集定性数据。数据分析分为定量数据分析和定性数据分析两个层面。结果表明,R平方为0.215,这意味着在支持、关注、授权和指导方面的人力资源交换占农业非政府组织团队绩效的21.5%。t统计结果为7.566,显著(p<0.05),表明人力资源交换对非政府农业组织团队绩效的影响具有统计学意义,这反映了团队成员之间的信任和协作关系。本研究的结论是,人力资源对团队绩效有显著的影响。因此,发展统一、平衡的交流可以培养强大的群内和群外关系,通过增加凝聚力、协作和工作满意度,使团队受益。
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引用次数: 0
Emotional Exchange on Team Performance in Non-Governmental Agricultural Organizations in Kenya 肯尼亚非政府农业组织团队绩效的情感交流
Pub Date : 2023-09-05 DOI: 10.59952/tuj.v5i3.266
Tedson Richard Nyongesa, T. Okech, Caren O. Ouma
This study sought to establish the influence of emotional exchange on team performance in non-governmental agricultural organizations in Kenya. The study adopted convergent mixed method research design which integrates quantitative and qualitative data and pragmatism philosophy. The target population was NGOs operating in the agricultural sector in Kenya whose list was obtained from NGO Coordination Board. Data was collected using questionnaire as the main tool with interview guide used to triangulate the results from employees in the sector. Results revealed that emotional exchnage in terms of gratitude, empathy, respect, and assertive accounts for 29.2% of team performance in Agricultural NGOs. Emotional exchange has a statisitcally signficant influence on team performance (t = 9.294, p<0.05) which implies that emotional exchange in terms of in gratitude, respect, empathy and assertion towards employees significantly impacts on team performance in the NGOs. As a result, the null hypothesis hypotheses was rejected and inferred that emotional exchange has a statistically significant influence on team performance in non-governmental agricultural organizations. It was thus inferred that emotional exchange (bring in the components of emotional exchange) has a significant influence on team performance in the sector. In lieu of this, it is recommended that the NGOs need to enhance stable emotions that create an environment that fosters productivity, while unstable emotions cause resource-draining effect that weakens employees' ability to remain engaged and innovative (should capture the constructs appropriately.
本研究试图建立情感交流对肯尼亚非政府农业组织团队绩效的影响。本研究采用融合定量与定性数据和实用主义哲学的收敛混合方法研究设计。目标人群是在肯尼亚农业部门活动的非政府组织,其名单是从非政府组织协调委员会获得的。数据收集使用问卷作为主要工具与访谈指南用于三角测量结果从该部门的员工。结果显示,感恩、共情、尊重和自信等情感交换占农业非政府组织团队绩效的29.2%。情感交换对团队绩效的影响有统计学意义(t = 9.294, p<0.05),这意味着情感交换在对员工的感激、尊重、共情和主张方面显著影响了非政府组织的团队绩效。因此,拒绝零假设假设,推断情感交换对非政府农业组织团队绩效有统计学显著影响。由此推断,情绪交换(引入情绪交换的成分)对行业团队绩效有显著影响。相反,建议非政府组织需要加强稳定的情绪,创造一个促进生产力的环境,而不稳定的情绪会造成资源消耗效应,削弱员工保持投入和创新的能力(应适当地捕捉结构)。
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引用次数: 0
Influence of Location on Unsold New Houses by Members of Kenya Property Developers’ Association in Nairobi County 内罗毕县肯尼亚房地产开发商协会成员对位置对未售出新房的影响
Pub Date : 2023-09-04 DOI: 10.59952/tuj.v5i3.257
Fridah Karimi, N. Kirera, Amos G Njuguna
This study investigated the influence of location on unsold new houses held by members of the Kenya Property Developers Association (KPDA). Positivism philosophy and descriptive correlational research design were adopted in this study. The study population consisted of 4,085 unsold new houses held by members of KPDA. A sample size of 364 units was drawn using a multistage random sampling technique. The units of observation in this study were the property managers, where a self-administered questionnaire was used to collect data. Analysis of the collected data was done through descriptive statistics that comprised relative frequency distributions, means, and standard deviations. The study also applied inferential statistics, which included ordinal logistic regression and one-way ANOVA. The study findings from the generalized ordinal logistic regression revealed that the location of the unsold new house explains 13.9% of the duration that the house remained unsold (r2 = .139). The results further showed that the distance of the unsold new houses to the nearest markets or shopping mall (β = 0.534, P < 0.05), distance to the nearest bus station (β = 0.507, P < 0.05), and distance to the Nairobi central business district (CBD) (β = 0.219, P < 0.05) were significant predictors of the duration that the house remained unsold. Thus, the study concluded that the location of the unsold new house significantly influences the duration the house remained unsold. Therefore, the study recommends that property developers should develop houses that are close to the Nairobi CBD, shopping malls/markets, and bus stations.
本研究调查了位置对肯尼亚房地产开发商协会(KPDA)成员持有的未售出新房的影响。本研究采用实证主义哲学和描述性相关研究设计。研究人群包括由KPDA成员持有的4,085套未售出的新房。采用多阶段随机抽样技术抽取364个单位的样本。本研究以物业经理为观察单位,采用自我管理问卷收集数据。通过描述性统计对收集到的数据进行分析,描述性统计包括相对频率分布、平均值和标准差。本研究亦应用推论统计,包括有序逻辑回归及单因素方差分析。广义有序逻辑回归的研究结果显示,未售出新房的位置解释了13.9%的房屋未售出时间(r2 = .139)。结果进一步表明,待售新房距离最近的市场或购物中心的距离(β = 0.534, P < 0.05)、距离最近的公交车站的距离(β = 0.507, P < 0.05)和距离内罗毕中央商务区(CBD)的距离(β = 0.219, P < 0.05)是待售房屋持续时间的显著预测因子。因此,研究得出结论,未售出新房的位置显著影响房屋未售出的持续时间。因此,该研究建议房地产开发商应该开发靠近内罗毕CBD、购物中心/市场和公交车站的房子。
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引用次数: 0
Influence of Outbound Logistics Strategies on the Competitive Advantage of Automotive Companies in Kenya 出口物流战略对肯尼亚汽车企业竞争优势的影响
Pub Date : 2023-09-04 DOI: 10.59952/tuj.v5i3.261
Moses Irungu Muchiri, Peter Kiriri, V. Kaluyu
Automotive companies need to improve the efficiency of their supply chains to maintain a competitive advantage. Ensuring efficient logistics management processes can contribute to sustainable competitive advantage. This study sought to determine the influence of outbound logistics strategies on the competitive advantage of Kenya's automotive companies. The study used an explanatory research design. The target population was 400 members of the top management team, including CEOs, functional managers, and senior managers drawn from 63 companies in the automotive industry in Kenya. The study utilized a census to include all 400 top management team members in the 63 automotive companies. Questionnaires were used in data collection. The hypothesis was tested using multiple linear regression analyses.  Findings showed that outbound logistics strategies explain 38.3% of the variance in the competitive advantage of automotive companies in Kenya (R squared = 0.383). The findings further indicate that outbound logistics strategies had a statistically significant and positive influence on the competitive advantage of automotive companies in Kenya (β = 0.619, t = 14.682, p < 0.05). The study concluded that outbound logistic strategies such as timely order processing, efficient transportation systems, tracking delivery lead times, and logistics partner relationships were instrumental towards the competitive advantage of automotive companies in Kenya.
汽车公司需要提高其供应链的效率以保持竞争优势。确保高效的物流管理流程有助于可持续的竞争优势。本研究旨在确定出站物流战略对肯尼亚汽车公司竞争优势的影响。本研究采用解释性研究设计。目标人群是来自肯尼亚63家汽车行业公司的400名高层管理团队成员,包括首席执行官、职能经理和高级管理人员。该研究对63家汽车公司的所有400名高层管理团队成员进行了普查。数据收集采用问卷调查。采用多元线性回归分析对假设进行检验。研究结果显示,出站物流策略解释了38.3%的肯尼亚汽车公司竞争优势差异(R平方= 0.383)。研究结果进一步表明,出口物流战略对肯尼亚汽车企业竞争优势有显著的正向影响(β = 0.619, t = 14.682, p < 0.05)。该研究得出的结论是,及时的订单处理、高效的运输系统、跟踪交货提前期和物流合作伙伴关系等出站物流战略对肯尼亚汽车公司的竞争优势至关重要。
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引用次数: 0
Influence of Environmental Scanning on the Performance of Small and Medium Manufacturing Enterprises in Kenya 环境扫描对肯尼亚中小制造企业绩效的影响
Pub Date : 2023-09-04 DOI: 10.59952/tuj.v5i3.259
Karimi Sekere
This paper addresses the Influence of Environmental Scanning on the Performance of Small and Medium Manufacturing Enterprises in Kenya. Methodically, the study was guided by the positivism research philosophy. The study applied cross-sectional descriptive research design since data collection in this study was carried out in a structured inexpensive and minimal time-consuming manner, assisting in answering the when, who, where, what and how questions and also determine whether a relationship exists between the dependent and independent variables. The population of the study targeted was 622 manufacturing SMEs registered under the Kenya Association of Manufacturers (KAM) membership, based in Kenya. This study adopted stratified random sampling technique to select 243 managers for the study. Primary data was collected using a structured questionnaire that was designed based on the research objectives. Both descriptive and inferential analyses were employed for analysis. Regression analysis found that environmental scanning significantly predicts performance of Small and Medium Manufacturing Enterprises in Kenya, R2 = .398, F (1,194) = 63.840, p = .000 < .05. Hence, the null hypothesis of the study was rejected and the study concluded that environmental scanning significantly influences performance of Small and Medium Manufacturing Enterprises in Kenya. The managers and owners of the SMEs should develop an awareness of their industry and competitors, and consequently scan the environment regularly. In addition, the government should work together with manufacturing SME firms in creating and providing conducive business environments that aid sustainable organizational growth resulting in better business performance.
本文讨论了环境扫描对肯尼亚中小型制造企业绩效的影响。在方法上,研究以实证主义研究哲学为指导。本研究采用了横断面描述性研究设计,因为本研究中的数据收集是以结构化、廉价和耗时最少的方式进行的,有助于回答何时、谁、何地、什么和如何的问题,并确定因变量和自变量之间是否存在关系。该研究的目标人群是在肯尼亚制造商协会(KAM)会员下注册的622家制造业中小企业。本研究采用分层随机抽样的方法,选取243名管理人员进行研究。使用基于研究目标设计的结构化问卷收集主要数据。分析采用描述性分析和推理性分析。回归分析发现,环境扫描显著预测肯尼亚中小制造企业绩效,R2 = .398, F (1,194) = 63.840, p = .000 < .05。因此,研究的零假设被拒绝,研究得出结论,环境扫描显著影响肯尼亚中小型制造企业的绩效。中小企业的管理者和所有者应该培养对其行业和竞争对手的认识,从而定期扫描环境。此外,政府应与制造业中小企业共同努力,创造和提供有利于企业可持续发展的有利环境,从而提高企业的业绩。
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引用次数: 0
Influence of Design on Real Estate Inventories by Members of Kenya Property Developers’ Association in Nairobi County 肯尼亚房地产开发商协会成员对内罗毕县房地产库存设计的影响
Pub Date : 2023-09-04 DOI: 10.59952/tuj.v5i3.256
Fridah Karimi, N. Kirera, F. Odoyo
The purpose of this study was to determine the influence of design on Unsold New Houses held by members of the Kenya Property Developers Association (KPDA). The study adopted a positivist philosophy and descriptive correlational research design. The study population consisted of 4,085 unsold new houses, where a sample size of 364 units was drawn using a multistage random sampling technique. Property managers in this study were the units of observation; hence data was collected through a self-administered questionnaire. Descriptive statistics focused on relative frequency distribution, means, and standard deviation. Inferential statistics included ordinal logistic regression to test hypotheses and one-way ANOVA to assess the differences between group means. The generalized ordinal logistic regression study results revealed that the design of the unsold new house explains 36% of the duration it remained unsold (r2 = 0.36). The findings further indicated that having other bedrooms ensuite (β = -1.548, p < 0.05), having a domestic servant's quarter (β = -1.888, p < 0.05), and having a swimming pool within the property development (β = -2.510, p < 0.05) were significant predictors of the duration of unsold new houses. The study concluded that the design of the unsold new house significantly influences the duration the house remained unsold. The study recommends that property developers should incorporate a swimming pool and domestic servant quarters in their development as well as having other bedrooms ensuite for houses with more than one bedroom.
本研究的目的是确定设计对肯尼亚房地产开发商协会(KPDA)成员持有的未售出新房的影响。本研究采用实证主义研究哲学和描述性相关研究设计。研究对象包括4085套未售出的新房,其中364套是采用多阶段随机抽样技术抽取的样本。本研究中的物业经理为观察单位;因此,数据是通过自我管理的问卷收集的。描述性统计侧重于相对频率分布、平均值和标准差。推论统计包括序数逻辑回归来检验假设和单因素方差分析来评估组间均值的差异。广义有序逻辑回归研究结果显示,未售出新房的设计解释了36%的未售出时间(r2 = 0.36)。研究结果进一步表明,是否有其他卧室套间(β = -1.548, p < 0.05),是否有家庭佣人宿舍(β = -1.888, p < 0.05),以及在房地产开发项目内是否有游泳池(β = -2.510, p < 0.05)是待售新房持续时间的显著预测因素。研究得出的结论是,未售出新房的设计显著影响了房子未售出的持续时间。该研究建议,房地产开发商应在其发展项目中加入游泳池和家庭佣人宿舍,并为有一间以上卧室的房屋配备其他卧室。
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引用次数: 0
Influence of Aftersales Service Strategies on the Competitive Advantage of Automotive Companies in Kenya 售后服务战略对肯尼亚汽车企业竞争优势的影响
Pub Date : 2023-09-04 DOI: 10.59952/tuj.v5i3.260
Moses Irungu Muchiri, Peter Kiriri, V. Kaluyu
Aftersales services contribute immensely to customer satisfaction, generating repeat business that can translate to repeat revenue generation and improved market share and competitive advantage. This study sought to assess the influence of aftersales service strategies on the competitive advantage of Kenya's automotive companies. The study used an explanatory research design. The target population was 400 members of the top management team, including CEOs, functional managers, and senior managers drawn from 63 companies in the automotive industry in Kenya. The study utilized a census to include all 400 top management team members in the 63 automotive companies. Questionnaires were used in data collection. The hypothesis was tested using multiple linear regression analyses.  Results indicated a moderate correlation between the aftersales service strategies and the competitive advantage of automotive companies in Kenya (r = 0.556). The findings further indicated that 30.9% of automotive companies' competitive advantage change is explained by their aftersales service strategies (R squared = 0.309). The study concluded that automotive companies in Kenya engaged in aftersales service strategies that included utilization of customer feedback, promptly responding to customer demands using agile methodologies, provision of quality service, and inclusion of warranties.
售后服务极大地提高了客户满意度,产生了重复的业务,可以转化为重复的收入,提高了市场份额和竞争优势。本研究旨在评估售后服务策略对肯尼亚汽车公司竞争优势的影响。本研究采用解释性研究设计。目标人群是来自肯尼亚63家汽车行业公司的400名高层管理团队成员,包括首席执行官、职能经理和高级管理人员。该研究对63家汽车公司的所有400名高层管理团队成员进行了普查。数据收集采用问卷调查。采用多元线性回归分析对假设进行检验。结果表明,肯尼亚汽车公司的售后服务策略与竞争优势之间存在适度的相关关系(r = 0.556)。研究结果进一步表明,30.9%的汽车公司竞争优势变化是由其售后服务策略解释的(R平方= 0.309)。该研究的结论是,肯尼亚的汽车公司采用的售后服务策略包括利用客户反馈,使用敏捷方法迅速响应客户需求,提供优质服务,并包括保修。
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引用次数: 0
Influence of Loan Loss Provisioning Ratio Prudential Regulations on Financial Performance of Deposit Taking Savings and Credit Cooperatives in Kenya 贷款损失拨备率审慎监管对肯尼亚储蓄信用社财务绩效的影响
Pub Date : 2023-09-04 DOI: 10.59952/tuj.v5i3.258
Nancy A. Okeyo, F. Odoyo, Bernard Omboi
The purpose of this study was to examine the effect of loan loss provisioning ratio regulations on the financial performance of deposit taking Savings and Credit Cooperatives (SACCOs) in Kenya. The study was based on the modern portfolio theory and used a positivist philosophical approach. A mixed study strategy was employed that incorporated both primary and secondary data sources spanning the years 2014 to 2021. The study population consisted of 175 deposit-taking SACCOs (DT-SACCOs) and stratified random sampling was used to choose 105 DT-SACCOs that are regulated by the SACCO Societies Regulatory Authority (SASRA). Additionally, purposive sampling was used to select the chief executive officers (CEOs) of the selected DT-SACCOs. The primary data for this study was obtained by the administration of questionnaires to CEOs. The secondary data was gathered from published financial reports of the 105 DT-SACCOs. The gathered data was analyzed using both descriptive and inferential statistics. The results of the study indicated that the loan provisioning ratio had a significant and negative effect on the financial performance of DT-SACCOs in Kenya (β = -0.502, t = -5.987, p < 0.05). The study recommends to management of DT-SACCOs to always adhere to prudential guidelines on loan loss provisioning ratio, and implement credit control mechanisms like performing evaluations of credit policy and ensuring that there are skilled personnel authorizing and approving loans. The study also recommends to leaders in DT-SACCOs to adopt and execute effective strategies to minimize non-performing loans engaging in effective and detailed customer profiling.
本研究的目的是检查贷款损失准备金率规定对肯尼亚储蓄信贷合作社(SACCOs)的财务业绩的影响。本研究以现代投资组合理论为基础,运用实证主义哲学方法。采用混合研究策略,纳入了2014年至2021年的主要和次要数据源。研究人群包括175个储蓄储蓄机构(DT-SACCOs),采用分层随机抽样的方法选择105个受SACCO社团监管局(SASRA)监管的DT-SACCOs。此外,我们还采用有目的抽样的方法来选择所选DT-SACCOs的首席执行官(ceo)。本研究的主要数据是通过对ceo进行问卷调查获得的。二级数据收集自105家DT-SACCOs公布的财务报告。收集的数据使用描述性和推断性统计进行分析。研究结果表明,贷款拨备率对肯尼亚DT-SACCOs的财务绩效有显著的负向影响(β = -0.502, t = -5.987, p < 0.05)。研究建议DT-SACCOs的管理层始终坚持审慎的贷款损失率准则,并实施信贷政策评估,确保有熟练人员授权和审批贷款等信贷控制机制。该研究还建议DT-SACCOs的领导者采用并执行有效的策略,通过有效和详细的客户分析来减少不良贷款。
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引用次数: 0
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