INFORMATION AND COMMUNICATIONS TECHNOLOGY (ICT) INTEGRATION AND PERFORMANCE OF SAVINGS & CREDIT CO-OPERATIVES (SACCOs) IN AGRICULTURE SECTOR IN KIAMBU COUNTY, KENYA

Robert Mutinda Mweu, Dr. Thomas Mose

Abstract


The general objective of the study was to examine the effect of ICT integration on performance of savings & credit co-operatives (SACCOs) In Agriculture Sector In Kiambu County, Kenya. Specifically, the study sought to determine effect of perceived ease of use on performance of savings & credit co-operatives (SACCOs) In Agriculture Sector In Kiambu County, Kenya, to assess effect of perceived cost on performance of savings & credit co-operatives (SACCOs) In Agriculture Sector In Kiambu County, Kenya. The study adopted descriptive research design. The unit of analysis for this study was SACCOs In Agriculture Sector In Kiambu County, Kenya. Kiambu County, Kenya was selected because it had high concentration of deposit taking SACCOs (SASRA, 2023). The unit of observation of this study was management employees in the selected 43 deposit-taking SACCOs In Agriculture Sector In Kiambu County, Kenya. The target population was therefore 258 management employees working in the 43 deposit-taking SACCOs In Agriculture Sector In Kiambu County, Kenya. The Yamane formula was adopted to calculate the study sample size. Therefore, the study sample size was 157 respondents. The stratified random sampling method was adopted to select the study sample size. Data was collected using a self-administered semi-structured questionnaire. Qualitative reports were analyzed in content analysis and presented in form of essays. Descriptive statistical analysis included frequency, percentages, mean and standard deviation and used to analyze quantitative data. SPSS version 25 was used for analysis. Inferential statistical analysis to be used was multiple regression and correlation analysis and test the relationship between the study variables. The findings were displayed in tables and figures. The study concludes that perceived ease of use has a positive and significant effect on performance of savings & credit co-operatives (SACCOs) in agriculture sector in Kiambu County, Kenya. In addition, the study concludes that perceived cost has a positive and significant effect on performance of savings & credit co-operatives (SACCOs) in agriculture sector in Kiambu County, Kenya. Bases on the findings, the study therefore recommends that the managements of savings & credit co-operatives in agriculture sector in Kenya should invest in user-friendly technological solutions and training programs. By implementing intuitive digital platforms for member transactions, loan management, and financial reporting, SACCOs can streamline their processes and improve overall performance.

Key Words: ICT integration, Perceived Ease of Use, Perceived Cost, Performance, Savings & Credit Co-Operatives, Agriculture Sector 


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