Browsing by Author "Waithaka, Stephen T."

Now showing 1 - 4 of 4
  • Thumbnail Image
    Item
    Effect of Mobile Communication Services on Performance of Saccos in Kenya
    (2018-10) Mugo, David M.; Muathe, S.M.A; Waithaka, Stephen T.
    The ubiquitous nature of mobile technologies and devices, present new challenges and opportunities for Deposit-Taking Savings and Credit Cooperative Societies (SACCOs) as they integrate them into their processes with the hope of improving their performance. To enhance their performance, Deposit-Taking SACCOs have adopted and are using mobile communication services including mobile messaging, mobile call services, mobile email, mobile chatting and mobile conferencing services. However, the effect of these mobile communication services on performance of Deposit-Taking SACCOs has not been well studied. Even though some studies have indicated the positive potential of mobile communication services, other studies indicate that they have no effect on organizational performance. Given these contradictions, this study sought to investigate the effect of mobile communication services on performance of Deposit-Taking SACCOs in Kenya. Descriptive and explanatory research designs were adopted using quantitative and qualitative approach to data collection, analysis and reporting. The study used a sample of 86 Deposit-Taking SACCOs drawn from a target population of 110 Deposit-Taking SACCOs that were licensed by SACCO Societies Regulatory Authority as at 31st December 2011. A structured questionnaire administered to two managers (from information technology and finance departments) in each SACCO was used to collect primary data. Inferential analysis revealed the exististence of statistically significant positive effect of mobile communication services on performance of Deposit-Taking SACCOs in Kenya. The study therefore recommends investments and increased utilization of mobile communication services within DepositTaking SACCOs in Kenya.
  • Thumbnail Image
    Item
    Moderating Effect of Government Policies on the Relationship between Mobile Technology Services and Performance of Deposit-Taking Saccos in Kenya
    (IJSET, 2017-02) Mugo, David M.; Waithaka, Stephen T.; Muathe, Stephen
    The study sought to determine the moderating effect of government policies on the relationship between mobile technology services and performance of Deposit-Taking Savings and Credit Cooperative Societies (SACCOs) in Kenya. Descriptive and explanatory research designs were adopted based on a sample of 86 Deposit-Taking SACCOs. A structured questionnaire administered to two managers in each SACCO was used for data collection. The study found that government policies positively moderates the relationship between mobile technology services and performance of Deposit-Taking SACCOs implying that appropriate government policies that are favourable for the Deposit- Taking SACCOs should be formulated.
  • Thumbnail Image
    Item
    Moderating Effect of Government Policies on the Relationship between Mobile Technology Services and Performance of Deposit-Taking Saccos in Kenya.
    (2017-02) Mugo, David M.; Muathe, Stephen; Waithaka, Stephen T.
    The study sought to determine the moderating effect of government policies on the relationship between mobile technology services and performance of Deposit-Taking Savings and Credit Cooperative Societies (SACCOs) in Kenya. Descriptive and explanatory research designs were adopted based on a sample of 86 Deposit-Taking SACCOs. A structured questionnaire administered to two managers in each SACCO was used for data collection. The study found that government policies positively moderates the relationship between mobile technology services and performance of Deposit-Taking SACCOs implying that appropriate government policies that are favourable for the Deposit- Taking SACCOs should be formulated
  • Thumbnail Image
    Item
    Performance Analysis of Debit Card Services on Deposit-Taking SACCOs’ Financial Performance: A Case of Kenya
    (Kennesaw State University, 2019-04) Mugo, David M.; Muathe, Stephen; Waithaka, Stephen T.
    The Co-operative Bank of Kenya has partnered with Deposit-Taking Savings and Credit Cooperative Societies (SACCOs) in Kenya to allow their members access to Co-operative Bank automated teller machines (ATMs) via Saccolink debit cards. However, the adoption and utilization of debit cards has opened financial institutions to fraud associated with the use of debit cards for transactions on automated teller machines and point-of-sale terminals. Given this limitation, this study sought to investigate the effect of Saccolink debit card services on the financial performance of Deposit-Taking SACCOs in Kenya. Through a combination of agency, information systems success models, and task-technology fit theories to explain financial performance, the study found a positive effect of Saccolink debit card services on the financial performance of Deposit-Taking SACCOs in Kenya. The study therefore recommends continued utilization of Saccolink debit cards and an enhancement of their features within the Deposit-Taking SACCOs in Kenya.