Determinants Of Success For The Women Table Banking Model In Mwingi Central Sub-county, Kenya
Muli, Charles M
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The prevalence of SHG models in various countries and regions has not gone unnoticed; it has attracted governments and another stakeholders’ involvement. The women table banking model had recently elicited scholars’ interest in Kenya, thus leading to several studies related to the model’s economic contribution. The general objective of this study was to determine how factors of inter-personal trust, group leadership and external social capital have influenced the success for the women table banking model. The study was based on the following specific objectives; inter-personal trust, group leadership and groups’ external social capital on the success of women table banking. The study was based on the following theories; Olson’s theory of collective action, Social and Group Identity Theory and Social Exchange Theory. The study adopted descriptive statistics to establish the determinants of success for the women table banking model. The target population of the study was 108 number of registered women SHGs practicing table banking in the Mwingi Central Sub- County. The study relied on primary data collected by use of structured questionnaires that was coded into SPSS Version 23.0 for analysis and presentation. The study found out that coefficient of determination R was 0.811 an indication of a strong positive correlation with the variables, all the variables were not correlated with each other and they were normally distributed. The study concludes that interpersonal trust significantly influenced success of table banking, this was due to group members were primarily interested in their own welfare. Group leadership negatively influenced success of table banking, this was achieved due to the following; group leaders had the habit of consulting other group members on group policies. External social capital significantly influenced success of table banking, this was associated to; availability of organizations to turn to when in need of a scarce resource. Besides, cohesion significantly influenced success of table banking, this was achieved by the following; feeling of unity. The study recommends that group members ought to be honest and truthful with the group leaders. Group members ought to be truly sincere in their promises. Group members ought to show the leaders enough consideration. Group leaders ought to frequently try to encourage and show support for other members. Group leaders ought to recognize and value other group member’s abilities. Table banking groups ought to trust other groups to solve their problems. Table banking group ought to know other organizations well enough who can led them material help in case of need. There ought to be a positive relationship among the group members. Group members ought to be receptive to feedback and criticism. Problem solving in group ought to be truly a group effort.