{"id":"https://openalex.org/W2544301173","doi":null,"title":"Determinants of Loan Default by Savings and Credit Co-Operative Societies\u2019 Members in Baringo County, Kenya","display_name":"Determinants of Loan Default by Savings and Credit Co-Operative Societies\u2019 Members in Baringo County, Kenya","publication_year":2016,"publication_date":"2016-01-01","ids":{"openalex":"https://openalex.org/W2544301173","mag":"2544301173"},"language":"en","primary_location":{"id":"pmh:oai:ojs.localhost:article/33852","doi":null,"is_oa":true,"landing_page_url":"http://iiste.org/Journals/index.php/EJBM/article/view/33852","pdf_url":"http://iiste.org/Journals/index.php/EJBM/article/view/33852","source":{"id":"https://openalex.org/S4306401197","display_name":"Journals & Books Hosting (International Knowledge Sharing Platform)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"European Journal of Business and Management; Vol 8, No 30 (2016); 158-164","raw_type":"info:eu-repo/semantics/article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":[],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"http://iiste.org/Journals/index.php/EJBM/article/view/33852","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5043692019","display_name":"Allan Mitei","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":true,"raw_author_name":"Allan Mitei","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":["https://openalex.org/A5043692019"],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":3,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":88,"max":95},"biblio":{"volume":"8","issue":"30","first_page":"158","last_page":"164"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9878000020980835,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9878000020980835,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12121","display_name":"Cooperative Studies and Economics","score":0.006300000008195639,"subfield":{"id":"https://openalex.org/subfields/1408","display_name":"Strategy and Management"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.0010999999940395355,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/loan-default","display_name":"loan default","score":0.9959999918937683},{"id":"https://openalex.org/keywords/savings-and-credit-cooperatives","display_name":"savings and credit cooperatives","score":0.8059999942779541},{"id":"https://openalex.org/keywords/loan-repayment","display_name":"loan repayment","score":0.7979999780654907},{"id":"https://openalex.org/keywords/loan-terms","display_name":"loan terms","score":0.7099999785423279},{"id":"https://openalex.org/keywords/economic-factors","display_name":"economic factors","score":0.6710000038146973},{"id":"https://openalex.org/keywords/social-factors","display_name":"social factors","score":0.9810000061988831},{"id":"https://openalex.org/keywords/credit-policy","display_name":"credit policy","score":0.722000002861023},{"id":"https://openalex.org/keywords/baringo-county","display_name":"Baringo County","score":0.7419999837875366}],"concepts":[{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.8900063037872314},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5369605422019958},{"id":"https://openalex.org/C165339153","wikidata":"https://www.wikidata.org/wiki/Q7048874","display_name":"Non-conforming loan","level":4,"score":0.4842836260795593},{"id":"https://openalex.org/C2229670","wikidata":"https://www.wikidata.org/wiki/Q13542675","display_name":"Participation loan","level":4,"score":0.4815704822540283},{"id":"https://openalex.org/C39896193","wikidata":"https://www.wikidata.org/wiki/Q380344","display_name":"Descriptive statistics","level":2,"score":0.47838130593299866},{"id":"https://openalex.org/C2776035688","wikidata":"https://www.wikidata.org/wiki/Q1606558","display_name":"Affect (linguistics)","level":2,"score":0.4763646125793457},{"id":"https://openalex.org/C71387314","wikidata":"https://www.wikidata.org/wiki/Q494128","display_name":"Non-performing loan","level":3,"score":0.4684821367263794},{"id":"https://openalex.org/C69637215","wikidata":"https://www.wikidata.org/wiki/Q702362","display_name":"Default","level":2,"score":0.4402100443840027},{"id":"https://openalex.org/C2778083465","wikidata":"https://www.wikidata.org/wiki/Q693464","display_name":"Cash","level":2,"score":0.4201532006263733},{"id":"https://openalex.org/C158725981","wikidata":"https://www.wikidata.org/wiki/Q2079582","display_name":"Bridge loan","level":4,"score":0.4177160859107971},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.39676642417907715},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.34588292241096497},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.10747933387756348},{"id":"https://openalex.org/C46312422","wikidata":"https://www.wikidata.org/wiki/Q11024","display_name":"Communication","level":1,"score":0.0},{"id":"https://openalex.org/C105795698","wikidata":"https://www.wikidata.org/wiki/Q12483","display_name":"Statistics","level":1,"score":0.0},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"pmh:oai:ojs.localhost:article/33852","doi":null,"is_oa":true,"landing_page_url":"http://iiste.org/Journals/index.php/EJBM/article/view/33852","pdf_url":"http://iiste.org/Journals/index.php/EJBM/article/view/33852","source":{"id":"https://openalex.org/S4306401197","display_name":"Journals & Books Hosting (International Knowledge Sharing Platform)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"European Journal of Business and Management; Vol 8, No 30 (2016); 158-164","raw_type":"info:eu-repo/semantics/article"},{"id":"mag:2544301173","doi":null,"is_oa":false,"landing_page_url":"http://ir-library.egerton.ac.ke/jspui/handle/123456789/1319","pdf_url":null,"source":{"id":"https://openalex.org/S2764648571","display_name":"European Journal of Business and Management","issn_l":"2222-1905","issn":["2222-1905","2222-2839"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310320723","host_organization_name":"IISTE","host_organization_lineage":["https://openalex.org/P4310320723"],"host_organization_lineage_names":["IISTE"],"type":"journal"},"license":null,"license_id":null,"version":null,"is_accepted":false,"is_published":false,"raw_source_name":"European Journal of Business and Management","raw_type":null}],"best_oa_location":{"id":"pmh:oai:ojs.localhost:article/33852","doi":null,"is_oa":true,"landing_page_url":"http://iiste.org/Journals/index.php/EJBM/article/view/33852","pdf_url":"http://iiste.org/Journals/index.php/EJBM/article/view/33852","source":{"id":"https://openalex.org/S4306401197","display_name":"Journals & Books Hosting (International Knowledge Sharing Platform)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"European Journal of Business and Management; Vol 8, No 30 (2016); 158-164","raw_type":"info:eu-repo/semantics/article"},"sustainable_development_goals":[],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W2544301173.pdf","grobid_xml":"https://content.openalex.org/works/W2544301173.grobid-xml"},"referenced_works_count":29,"referenced_works":["https://openalex.org/W197109838","https://openalex.org/W1485872172","https://openalex.org/W1501442567","https://openalex.org/W1595461605","https://openalex.org/W1628156804","https://openalex.org/W1910102113","https://openalex.org/W2053347695","https://openalex.org/W2056931688","https://openalex.org/W2087997862","https://openalex.org/W2147457188","https://openalex.org/W2183572930","https://openalex.org/W2189793978","https://openalex.org/W2232874310","https://openalex.org/W2236539713","https://openalex.org/W2273491956","https://openalex.org/W2314042574","https://openalex.org/W2339833905","https://openalex.org/W2344869694","https://openalex.org/W2465238764","https://openalex.org/W2496830459","https://openalex.org/W2514564781","https://openalex.org/W3119844557","https://openalex.org/W3123692566","https://openalex.org/W3125584107","https://openalex.org/W3144994858","https://openalex.org/W3197469650","https://openalex.org/W4238757406","https://openalex.org/W4246460414","https://openalex.org/W4291606813"],"related_works":["https://openalex.org/W2920162088","https://openalex.org/W6991860715","https://openalex.org/W2613781050","https://openalex.org/W4404704614","https://openalex.org/W1920829278","https://openalex.org/W3099753639","https://openalex.org/W2889373315","https://openalex.org/W6978247680","https://openalex.org/W7098067191","https://openalex.org/W2993672950"],"abstract_inverted_index":{"Loan":[0],"delinquency":[1,27],"in":[2,8,26,62,69,91,96,179,259,261],"SACCOs":[3,31,68,97,167,178],"is":[4,53,258],"a":[5,54,208,251],"major":[6],"threat":[7],"the":[9,15,19,22,46,78,92,122,127,136,144,155,176,200,222,230,244,274],"sustainability":[10],"of":[11,21,161,190,221,229],"granting":[12],"loan":[13,16,42,75,101,108,116,141,152,162,171,196,231,235,245,285],"to":[14,34,41,59,88,125,134,146,158,199],"applicants":[17],"and":[18,57,85,110,157,168,194,210,216,227,278,287],"growth":[20,52],"business.":[23,67],"Gradual":[24],"increase":[25],"rate":[28],"implies":[29],"that":[30,139,150,164,225,250,257],"are":[32],"unable":[33],"recover":[35],"what":[36],"they":[37],"have":[38],"lent":[39],"out":[40],"beneficiaries.":[43],"This":[44],"affects":[45,64,165],"SACCOs'":[47,50],"financial":[48,51],"obligations.":[49],"critical":[55],"issue":[56],"failure":[58],"maintain":[60],"cash":[61],"circulation":[63],"their":[65],"core":[66],"Baringo":[70,180],"County":[71],"has":[72],"realized":[73],"increasing":[74],"default":[76,236],"since":[77],"year":[79,93],"2010":[80],"which":[81],"was":[82,205],"ksh.76,":[83],"987,450":[84],"rose":[86],"gradually":[87],"ksh.":[89],"225,464,348":[90],"2013.":[94],"Management":[95],"impressed":[98],"on":[99,105,112,115,276],"proper":[100],"appraisals,":[102],"timely":[103,113],"reminders":[104],"repayments":[106],"by":[107,129,143,154,269],"beneficiaries":[109,197],"escalating":[111],"follow-up":[114],"defaulters.":[117],"Delinquency":[118],"continuously":[119],"increased":[120],"despite":[121],"measures":[123],"taken":[124],"mitigate":[126],"problem":[128],"SACCOs.":[130],"The":[131,173,182,202,219,247],"study":[132,174,183,223,248],"sought":[133],"establish":[135,159],"social":[137,238,279],"factors":[138,149,163,232,239],"affect":[140,151,234,243],"repayment":[142,153],"borrowers,":[145,156],"determine":[147],"economic":[148,226,277],"terms":[160,228],"both":[166,213],"borrowers":[169],"regarding":[170],"repayment.":[172],"covered":[175],"39":[177,191],"County.":[181],"employed":[184],"descriptive":[185,214],"survey":[186],"design.":[187],"A":[188],"sample":[189],"credit":[192,252],"officers":[193],"161":[195],"responded":[198],"study.":[201],"primary":[203],"data":[204],"collected":[206],"using":[207,212],"questionnaire,":[209],"analyzed":[211],"statistics":[215],"multiple":[217],"regressions.":[218],"result":[220],"indicated":[224],"significantly":[233,242],"however":[237],"does":[240],"not":[241],"default.":[246],"recommends":[249],"policy":[253],"should":[254],"be":[255],"maintained":[256],"built":[260],"Sacco":[262],"software.":[263],"Also":[264],"more":[265],"training":[266],"programs":[267],"sponsored":[268],"Sacco\u2019s":[270,288],"aiming":[271],"at":[272],"enhancing":[273],"members":[275],"factors.":[280],"Keywords:":[281],"key":[282],"words,":[283],"determinant,":[284],"default,":[286]},"counts_by_year":[{"year":2024,"cited_by_count":1},{"year":2021,"cited_by_count":2}],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2016-11-04T00:00:00"}
