3. Interest Interest paid - Questionnaire Nominal Non- Descriptive Rates risks against expected on loan borrowed from bank Parametric 4. How do membership Independent Members -Reason and Questionnaire Ordinal Parametric Descriptive base affect SACCO variable motivation for purpose performance Status and levels membership -No of members Questionnaire Nominal Parametric Descriptive of contribution contributing within of members a given range 5. To assess how Moderating Policy Policy awareness Questionnaire Nominal Parametric Descriptive Government policy framework on Compliance to affect SACCO SACCOS government financial policies performance 29
30 3.8 Data Analysis interpretation and The objective of data analysis was to prepare raw data for statistical presentation. The collected data was subjected through a sequence of operations which for social coding, included editing, classificationand analysis using statistical package sciences (SPSS). The data was analyzed through descriptive statistics such as percentages used to and averages, and inferential statistics. Pearson correlation coefficients were determine significant relationships between the study variables. 3.9 Summary In the methodology descriptive research design was used. The questionnaire, interviewing schedules and observations was used as instruments of data collection. The targeted sample size was 254 made of SACCO staff, management committee and SACCO members of Tharaka Nithi Teacher SACCO. Data collected was analyzed using statistical package for social sciences (SPSS).
31 CHAPTER FOUR DATA ANALYSIS, PRESENTATION AND INTERPRETATION Introduction 4.1 solicit The questionnaire was designed to vital information regarding the general members, staff and the management committee members and how aspects of governance, membership and education and training, market risks base characteristics affect the performance of the SACCO. All theseresearch was coined against the expedition to establish the number of trade-offs that are emerging from proper management of SACCO in the Kenya. These focused mainly on the TNT SACCO members and how it relates to the issues of governance, education and training, market risk and membership. This chapter covers data analysis and findings of the research. The data was summarized and presented in the form of frequencies, proportions, percentages and Tables. Data was members. management committee collected from TNT SACCO members, staff and the Consequently, the collected data was analyzed and interpreted in line with the aims. Of the 264 questionnaires distributed for this research, 215 useable questionnaires were returned giving a response rate of 81.44 per cent, which was considered satisfactory for subsequent analysis. 4.2 Profile of the respondents The respondents profile was analyzed as follows.
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