This research examines the effectiveness of information and communication technology (ICT) in enhancing strategic management in saving and credit cooperatives (SACCOs) located in the Nyagatare district of Rwanda. The study aims to achieve three objectives: evaluating the impact of ICT infrastructure on strategic management, identifying how ICT integration contributes to daily operational activities, and determining the influence of ICT skills and training on service delivery and customer satisfaction. The data for this study was collected through surveys, interviews, and document analysis from various SACCOs in the Nyagatare district. The findings reveal that ICT infrastructure has a positive effect on strategic management, data analysis, and decision-making processes. The integration of ICT improves operational activities by automating tasks, streamlining processes, and providing personalized services. Additionally, ICT skills and training play a crucial role in enhancing service delivery and customer satisfaction. However, the study also highlights challenges such as limited infrastructure and the need for training. It emphasizes the importance of addressing infrastructure limitations and investing in staff training to maximize the benefits derived from ICT implementation.
Keywords: Information and Communication Technologies (ICT), Saving and Credit Cooperative (SACCO), Small and Medium-Enterprises (SMEs)
