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The Savings and Credit Cooperative Societies are part of the financial sectors in Kenya, which have positively influenced the lives of many disadvantaged Kenyans over the years. However, like other deposit taking SACCOs several factors have contributed to loan default rate in SACCOs. The general objective of the study was to determine the influence of credit information system on loan default rate in deposit taking SACCOs in Kericho County. The specific objectives of the study were to determine the influence of credit risk assessment, credit information sharing and credit worthiness on loan default rate in deposit taking SACCOs in Kericho County. The target population of the study was 196 senior, middle and junior management level employees from six deposit taking SACCOs, in Kericho County, Kenya. Stratified random sampling was used to select a study sample of 66 respondents. Data was collected using questionnaires. Descriptive and inferential statistics were used in data analysis. Descriptive statistics included frequencies and percentages. Inferential statistics used included correlation analysis. Data analysis was done with the aid of the statistical Package for Social Sciences (SPSS) version 23. The study concluded that 18.1% of the loan default rate of deposit taking SACCOs in deposit taking SACCOs in Kericho County was explained by credit risk assessment while 14.7% of SACCOs’ loan default rate was explained by credit worthiness.

Influence of Credit Information System on Loan Default Rate In Deposit Taking Saccos In Kericho County, Kenya