iarjbmIARJBMIARJBM2708-5147https://doi.org/10.47310/iarjbm.2021.v02i01.045The Effect of Customer Credit Risk Monitoring on Performance of SACCOs in Kakamega County, KenyaBrianWakhunguOlukwoGabrielWaweruMohamedShanoSavings and Credit Cooperative Societies (SACCOs) operate in an environment of considerate risks and uncertainty. Credit risk monitoring is one of the main challenges faced by financial institutions as well as the savings and credit cooperative societies in many parts of the world. Thus, the primary focus of this study was to assess the effect of credit risk monitoring practices and performance of SACCOs in Kakamega County, Kenya. The study applied the descriptive research design and the use of inferential statistics in results presentation.  We employed a systematic sampling procedure to identify the SACCOs and the sample size included all the SACCOs in Kakamega County. Qualitative data was reduced into simplified format while quantitative data was analyzed using Statistical Package for Social Science (SPSS) Version 26.0. ANOVA report was employed to assess the overall significance of the applied regression model. The model was found to be significant at 95% confidence level showing a positive relationship between independent and dependent variables. Thus the study found that there was a positive statistically significant effect between customer credit risk monitoring and performance in the SACCOs.