Performance Perception and Associated Determinants of Savings and Credit Cooperative Societies (SACCOS) in Dhading District of Nepal

Abstract

This research investigates the perceived performance of Savings and Credit Cooperative Societies (SACCOS) and its influencing factors in Dhading District, Nepal. Based on 50 active cooperatives and 105 employees selected through stratified proportionate sampling, the study examines organizational subculture, structure/governance, leadership capacity, rewarding practices, and trust in top management as independent variables, with SACCOS performance as the dependent variable. The study adopts a descriptive and causal-comparative research design, utilizing factor analysis, reliability assessment, and statistical techniques, including SEM, to examine the relationships among variables. The findings reveal a significant positive relationship between organizational factors and performance, with leadership capacity exerting the greatest influence, followed by subculture and governance. Leadership directly impacts trust and performance, while subculture and governance play a crucial role in shaping employee attitudes and behaviors. The study concludes that effective structures enhance operational efficiency and transparency, supporting sustained SACCOS performance.