This study aimed to determine the effects of SACCOs societies regulatory on the financial
performance of SACCOs in Nairobi, Kenya. The study was guided by the following objectives;
to determine the effect of minimum capital requirements on the financial Performance of
SACCOs in Nairobi, Kenya, to assess the effect of minimum liquidity requirements on the
financial Performance of SACCOs in Nairobi, Kenya, to find out the effect of loan provisioning
requirements on the financial Performance of SACCOs in Nairobi, Kenya and to determine the
effect of minimum investment requirements on the financial Performance of SACCOs in
Nairobi, Kenya. The study adopted a descriptive survey research design. The study targeted
employees from the finance department in 10 SACCOs within Nairobi, County. The target
population was 71 respondents. Qualitative data analysis involved the explanation of information
obtained from the literature. This was done through discussion and explanation of study findings.
Quantitative analysis was done for the numerical data obtained from the field. This was done
using descriptive statistics with the help of Microsoft version of Excel. Measures of central
tendency (mean) and measures of dispersion such as frequencies and percentages were used.
Graphs, tables were used to represent the outcomes. The findings of the study indicated that on
the effect of minimum capital requirements on the financial Performance of SACCOs in Nairobi,
Kenya, the study found that the high minimum capital requirement has limited the number of
institutions that seek licensing as SACCOs. On the effect of minimum liquidity requirements on
the financial Performance of SACCOs in Nairobi, Kenya, the study found that the SACCO has
increased the amounts of deposits available for its depositors. This therefore implies that since
the firms are required to maintain a certain liquidity level, they On the effect of loan provisioning
requirements on the financial Performance of SACCOs in Nairobi, Kenya, the study found that
the Sacco has been able to formulate a loan provision requirement that has enabled it to
maximize on performance, The regulations that were stipulated enabled the SACCOs to come up
with loan provision On the effect of minimum investment requirements on the financial
Performance of SACCOs in Nairobi, Kenya, the study found that the Sacco has a policy that
regulates its investments made in line with SASRA regulation. On the performance of the
SACCOs, the study found that the SASRA regulations affected the performance of the SACCOs
by enabling them to increase their membership growth. Based on the findings of the study, the
study recommends that; the Sacco should employ the SASRA regulations to enable them to adequately meet the core capital requirements; the SACCOs should strictly follow the SASRA
regulations which will enable them to reduce the number of short term liabilities it offers in
terms of loan. The Sacco should utilize the SASRA regulation to maximize on the number of
total Loans. They can use the policy guided by the regulations to enable them identify the most
suitable clientele and offer their services to potential clients who are assets and not bad debts.
The SACCOs should utilize the SASRA regulations to formulate a policy that will enable them
increase the assets of the SACCOs and their shareholders.