Edith Joseph Elia Achiara2023-09-072023-09-072023-08-30https://hdl.handle.net/20.500.12311/972This is a dissertation.This research is dedicated to investigating the interplay between financial disbursement, management practices within Savings and Credit Cooperative Organizations (Saccos), and the expectations held by their members. It delves into the factors shaping these expectations, including economic conditions, demographic characteristics, communication methods, and past interactions. By scrutinizing the harmony between Sacco financial procedures and member anticipations, the study aims to shed light on the effectiveness of these practices. Moreover, it explores the ripple effects of such alignment or misalignment on member satisfaction, Sacco reputation, and long-term sustainability. The insights gained from this research offer practical guidance for Saccos to refine their financial approaches, ensuring they cater to member expectations and contribute to an optimal member experience.enDissertation