FACTORS AFFECTING THE PERFORMANCE OF SAVING AND CREDIT COOPERATIVE ENTERPRISES: A CASE OF ROBE CITY OF OROMIA REGIONAL STATE

Abstract The general objective of the study is to assess factors affecting the performance of saving and credit cooperative enterprise: A case of Robe city of Oromia regional state. The data collected from 220 SACCA members and 9 executives of selected SACCA. Both primary and secondary data collection instruments used to collect data. Closed-ended questionnaires along with interviews were used for the purpose of data collection. The selections of the members carried out using simple random sampling techniques, because it gives equal chance. The data analyzed with frequency, percentages and regression. The study concluded that the current performance of SACCA was at poor level. The study found competitionfactor was not considered as factor that affects the performance of SACCA of Robe city. As itindicated in the study, saving culture affect the performance of SACCAs. Organizational governance was considered as factor affecting the performance of SACCAs. The study indicated SACCA investment policy was considered as factor affecting the performance ofSACCAs. Overall the study indicated that SACCA investment policy makes the strongesunique contribution to explaining the SACCA performance and followed by organizational governance. On the other hand, saving culture and competition factor had no effect on SACCA performance of Robe city. The study recommended that SACCA expected to ensure that all members of SACCA are well trained about the policies governing the SACCAs toenlighten the employees on their knowledge about SACCA and their profitability 7