https://edithcowanjournal.org/journals/index.php/journal-of-strategic-management <div>Edith Cowan Journal of Strategic Management is published by Edith Cowan Journals &amp; Books. It covers publications and papers in the fields of Strategy and Institutional &amp; Corporate Management.</div> <div>It is reviewed by the Edith Cowan Editorial Team which consists of the world's best selling authors and writers. Journal has been globally indexed and with papers from all over the world</div> <div> </div> <div><strong>ISSN: <a href="https://portal.issn.org/resource/ISSN/2790-0657">2790-0657</a></strong></div> <div> <div><strong>Submission Email: <a href="mailto:papers@edithcowanjournal.org">papers@edithcowanjournal.org</a></strong></div> <div><strong>Online Submission: <a href="https://edithcowanjournal.org/online-submissions">https://edithcowanjournal.org/online-submissions</a></strong></div> </div> EDITHCOWAN JOURNAL & BOOKS PUBLISHERS en-US Edith Cowan Journal of Strategic Management 2790-0657 https://edithcowanjournal.org/journals/index.php/journal-of-strategic-management/article/view/143 <p><em>Investment regulation plays a critical role in safeguarding the financial stability and performance of deposit-taking Savings and Credit Cooperative Societies (SACCOs), especially in emerging economies. In Kenya, the SACCO Societies Act of 2008 and accompanying prudential guidelines by the SACCO Societies Regulatory Authority (SASRA) require SACCOs to comply with strict investment frameworks. However, despite these regulations, financial performance outcomes across SACCOs remain inconsistent, raising questions about the effectiveness of investment regulation in driving performance. This study investigates the influence of investment regulation on the financial performance of deposit-taking SACCOs in Kenya using panel data covering the period 2018–2023. The study employs a descriptive and explanatory research design using secondary data from 175 SASRA-licensed SACCOs. Panel regression analysis was used to determine the relationship between investment regulatory compliance measured by return on investment (ROI), and financial performance indicators, namely return on assets (ROA). The results reveal that investment regulation has a statistically significant and positive effect on SACCO financial performance, suggesting that compliance with prudent investment standards enhances returns and institutional sustainability. The findings have practical implications for SACCO boards, regulators, and policymakers in optimizing investment policies and strengthening regulatory oversight. The study recommends enhanced enforcement of investment diversification requirements and greater capacity building for SACCO management to interpret and implement investment policies effectively.</em></p> Mercy Mwaura Calistus Luhombo Timothy Iwiki Copyright (c) 2026 Edith Cowan Journal of Strategic Management 2026-01-02 2026-01-02 9 1 1 11 https://edithcowanjournal.org/journals/index.php/journal-of-strategic-management/article/view/144 <p><em>Credit regulation is a critical component of prudential oversight in the cooperative financial sector, aimed at safeguarding assets and ensuring the sustainability of Deposit-Taking Savings and Credit Cooperative Societies (DT-SACCOs). This study investigates the effect of credit regulation on the financial performance of DT-SACCOs in Kenya. Utilizing secondary panel data from 175 SACCOs between 2018 and 2023, the study measured credit regulation through non-performing loans (NPLs) and debt service coverage ratios, while financial performance was assessed using return on assets (ROA). Employing fixed-effects panel regression, the findings reveal a statistically significant positive relationship between effective credit regulation and financial performance. SACCOs with robust credit policies exhibited lower NPL levels and higher profitability. The study concludes that strengthening credit appraisal frameworks and enforcing regulatory compliance enhances SACCO resilience and financial viability. It recommends continuous staff training, updated credit policies, and real-time credit risk monitoring to sustain financial performance in the SACCO sector.</em></p> Timothy Iwiki Mercy Mwaura Calistus Luhombo Copyright (c) 2026 Edith Cowan Journal of Strategic Management 2026-01-02 2026-01-02 9 1 12 21