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from which a sample was drawn. 3.4 Sampling Procedure management committee The population of 4,228 people which consisted of 16 staff, 12263and 4200 SACCO members was considered in this study. The sample size of SACCO respondents which consists of 254management members, 5staff and 4selected to ensure that all the units of the sampling frame had committee was randomly in a an equal chance. According to Gay, (1981) 10% of the accessible population descriptive study is enough samples. In this research 30% of the population was tested used SACCO for employees and management. Since stratified random sampling was was determined members samples size using Table 5 in the appendix(Bartlett el al.,2001) . The sample size for a population of 4200 is approximately 254 25
Table 3.1 Sampling Frame Type of SampleTotal PopulationSample size SACCO Employees165 SACCO Management124 SACCO Members4200254 Total4228263 Data Collection Methods and Instruments. 3.5The following data collection methods and instruments were applied in this study. 3.5.1Data Collection Instruments Data was collected using questionnaire and interview schedules. In formulating research the research instruments the researcher considered the objectives of the study and employees, use questions. Data was collected by of questionnaires administered to management committee and SACCO members. The questionnaire method was mainly employed in primary data collection although observation method was also used. helped method The questionnaire in the study to find out what the respondents did. thought or felt about SACCO performance. and conversational Unstructured interviews were also employed. These were informal and the methods of data collection. The aim was to enable the informants open up Observation method researcher to stimulate the informant to produce more information. of and provided the means a verifying information answered in the questionnaires understanding of values, motives and detailed practices of the respondents. With the aid respondents from of this method, this research was able to draw comparisons among society magazines, the SACCO that used. Secondary data was collected from management reports and other available literature. 3.5.2 Data Collection Procedure by the The researcher furnished the respondents with an introductory letter certified order to university in ensure that the respondents have confidence in the study. The respondents were not required to give their names. 1his was to make them give accurate and reliable information without any bias. The researcher administered the questionnaire to the respondents and later picked them. The target population was assumed to be literate 26
hence no interpretation was required. The questionnaires had both open and close-ended questions so as to collect as much information as possible 3.6 Piloting Piloting was done to test for any ambiguities and inadequacies. The piloting exercise was being carried out on three SACCO members, one staff and one management committee member of MUGUNI SACCO society. One of the advantages of conducting this piloting study was to give advance warning about where the main research project could fail. This