Resource Dedication and Performance of Savings and Credit Cooperative Societies in Garissa County, Kenya

Abstract

This study examined the effect of resource dedication on the performance of SACCOs in Garissa County, Kenya. The research was grounded in the Resource-Based View theory. A descriptive research design was adopted, targeting all 121 employees of SACCOs within the county. To ensure comprehensive representation, a census sampling technique was employed. Primary data was collected through structured questionnaires. The validity of the instruments was assessed using content validity, while reliability was tested using Cronbach’s alpha at 0.7 threshold. Data analysis involved both descriptive and inferential statistical techniques. Descriptive statistics were used to summarize the data, while inferential statistics helped establish the relationship between variables. The study found that, at a 5% level of significance, resource dedication has a statistically significant positive effect on the performance of SACCOs in Garissa County. Based on these findings, the study recommends that SACCOs in the region implement policy interventions focused on strengthening financial oversight.