IMPACT OF CAPITAL ADEQUACY ON FINANCIAL PERFORMANCE OF SAVINGS AND CREDIT COOPERATIVES SOCIETIES IN MERU COUNTY

The goal of this report is to establish how capital adequacy influences the monetary performance Meru County's licensed deposit-taking credit and savings cooperative institutions. Pecking Order T he ory was used in study . researcher an expressive research design. focused on thirteen accredited SACCOS County. A catalogue all certified deposit-compelling saccos County analysis. survey method since sample size restricted. To achieve aims research, quantitative information scrutinized using SPSS, which comprised both inferential statistics (SPSS version 25). make conclusions, findings were analyzed, summarized, presented various eloquent statistical procedures. found out that there a positive significant relationship between financial recommended executive must ensure sufficient management controls are place guarantee always optimal cash where strategies during low surplus either side will add organization's liquidity risk. Secondly, need critically examine depth issues external internal environments might impact institutions identify mitigating measures. Lastly, risk should involve team’s projected collateral needs, as well use secondary sources liquidity. Key Words: Capital Adequacy, SACCOs, Deposit Taking CITATION: Bashir, H. A., Kithinji, M. M., & Mwambia, F. (2022). Impact cooperatives societies Strategic Journal Business Change Management, 9 (4), 99 - 107.