DOI: 10.36347/sjebm.2018.v05i11.004

Pages: 1012-1019

Financial inclusion avails a wide range of products accelerating economy and elevating poverty levels in the poor households. SACCOs are major drivers of poverty alleviation in Kenya Through financial inclusion the poor and needy are able to get financial services and develop their households and individual advancement. The study sought to establish the effect of quality of financial access and usage on performance of Savings and Credit Cooperative Societies in Kenya. Through Financial inclusion the society is now able to have useful and affordable financial products and services that meet their needs even though SACCOs are still predominantly performing poorly. The study focused on various SACCOs officials and will sought to evaluate the following objectives; To investigate the effects of the available Physical access indicators on performance of SACCOs, To evaluate Quality access indicators affect the performance of SACCOs, To establish the effects of Usage access indicators on the performance of SACCOs and to identity the effects of information technology access indicators on the performance of SACCOs in Kenya. Social innovations theories of social change, Financial Intermediation and the Gabriel Tarde’s Social Theory have been reviewed in the literature review as the measures and indicators of the financial inclusion namely physical access, usage access, quality access and technological access to financial products are discussed widely.