Abstract:
The main objective of this research was to assess the relationship between member compliance and
SACCOs’ performance. Specifically, the study examined members' compliance with SACCOS rules
and regulations, determined the influence of members' socioeconomic characteristics on the
compliance with the rules and regulations and lastly examined the relationship between members'
compliance with the rules and regulations and performance of the SACCOs. The study was conducted
at Kiwira SACCOs and employed descriptive research design. A sample size of 60 respondents was
selected through simple random sampling. Qualitative data were collected through closed and openended questionnaires and interview. Data were analyzed using SPSS to compute descriptive including
cross-tabulation. The findings showed that, members' compliance was not good, especially for timely
payment of loans, buying minimum shares and paying annual membership fee. Gender, age and
educational level had significant influence on member's compliance with rules and regulations.
Performance of SACCOs was not good in terms of providing training and education, follow up of the
loan. Also, there was a positive relationship between rules and regulations and the performance of the
SACCOs in terms of shares, savings and loan advanced. The study recommended provision of training
and education to members, credit committee to make follow up to all who take loans and SACCOs
management to glue rules and regulations on notes board so as to increase member awareness and
hence increase compliance and performance the Kiwira SACCOs
