Wendot, Nelly Natii (2026) Organisational Effectiveness in Table Banking: Practice and Policy Implications from a Kenyan Case Study. PhD thesis, Victoria University.

Abstract

This qualitative case study with multiple cases explores the organisational effectiveness of table banking as a social and solidarity economic activity for poverty reduction in Nakuru County, Kenya. Findings show that table banking groups or chama as commonly known in Kenya, transition to Savings and Credit Cooperatives with the ability to advance within their environment. If policies that facilitate financial inclusion were improved and supported by Cooperative Development, Table Banking Groups could thrive in the financial sector. The study concludes that structured formal practices register success more frequently than informal structures. This has implications for the practices, operations, and growth of TBGs. This study adds to the literature on regulatory frameworks and measures of social and economic performance of table banking. The researcher used the purposive sample method to select key informants and interviewees to participants in this study. The research questions were open-ended with the main question being, ‘What factors would make Table Banking Groups more effective organisations while operating as a Social and Solidarity Economy enterprise? Several questions were framed in a sequence for the Phase I, Phase II (a), and Phase II (b) data sets. In Phase 1, the researcher selected eight key informants from local organisations who participated in a face-to-face Focus Group Discussion. Categorically, the findings from phase I informed the questions for the second phase. In Phase II (a), the researcher interviewed three Savings and Credit Co-operative Society umbrella organisation officers from the Ministry of Cooperative Development, and two from the Kenya Union of Savings and Credit Co-operatives. Both phase I and Phase II (a) informed the research questions in the next phase. In Phase II (b) interviewed six Table Banking Group participants who were recruited by the Rongai Social Economic Women’s Organisation, two who were deemed successful, two average, and two on the verge of failure. The secondary information was retrieved from Sacco Societies Regulatory Authority, Kenya Union of Savings and Credit Co-operatives documents, anecdotes from communities, and grey literature which include Newspapers and YouTube within the sector as a basis for benchmarking and identifying differences and similarities of performance, operational standards, and regulatory frameworks. The public media was sourced from the year 2010 to 2023 and was reviewed and added to findings from the study guided by the research questions, system theory, and the conceptual framework for Table Banking organisational effectiveness. In conclusion, this unbiased research went through the Victoria University ethics and integrity. The findings are generally discussed under the topic addressing the regulatory frameworks and Table Banking Groups effectiveness, structures and processes of Table Banking Group's organisational effectiveness, outcomes at the organisational and individual levels and summary of findings that argue Table Banking practices from a Kenyan perspective. This study identified gaps and findings discussed in the 8 chapters. Significantly, the study revealed the success stories and the challenges Table Bankers face. The study had limitations in accessing sufficient policy documents, which could have strengthened suggestions for Table Banking Organisations Effectiveness. The study suggested a longitudinal study of Table Banking activities in Kenya to determine policy implications for sustainability.

Search Google Scholar

Repository staff login