Effects of Informal Saving Schemes on Livelihoods in Laikipia County, Kenya Authors Wambugu Maranga Muriu Mount Kenya University, Thika, Kenya. Dr Karuri Thiongo Mount Kenya University, Thika, Kenya. DOI: https://doi.org/10.47505/IJRSS.2021.9208 Keywords: Informal saving groups, Accumulative deposits, Livelihood improvement, Sustainability, Economic activities Abstract Informal saving schemes is a way in which people pool their savings together and provide loans to facilitate income-generating ventures of all-inclusive economic activities. The objective of this study is to assess the effects of accumulative deposits made at the Informal saving group's contribution on household livelihoods improvement. The research was carried out in Laikipia County due to targeting Informal saving schemes in arid and semi-arid areas. Adverse selection theory of financial markets and sustainable livelihood approach theory guided the study. Simple random sampling and probabilistic were used to select a sample size of 90 respondents comprising of 78 members, 7 officials, 3 managers, and 2 opinion leaders. Primary data collected on guided predetermined household ten core activities where questionnaires and interviews used as data collection instruments, accumulative deposits are instrumental in the ascertainment of loan sizing and a valued discipline in sustainability, descriptive and deductive statistics like tables used, where members have claimed success with improved family circle income with accumulative deposits which is fundamental to sustain human basic needs and social change motivator. Commend the amendment of existing policies and charters, to protect the Informal savings groups from Ponzi schemes, and the appointment of an aggregator for technical support to Informal saving schemes. References Amunga, H. A. (2013). The Four Pillars of table banking, the microcredit approach. Anderson, S. &. (2010). 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World Bank. (2018). World development report 2019:. The changing nature of work. Downloads Pdf How to Cite Wambugu Maranga Muriu, & Dr Karuri Thiongo. (2021). Effects of Informal Saving Schemes on Livelihoods in Laikipia County, Kenya. International Journal of Research in Social Science and Humanities (IJRSS) ISSN:2582-6220, DOI: 10.47505/IJRSS, 2(8). https://doi.org/10.47505/IJRSS.2021.9208 More Citation Formats ACM ACS APA ABNT Chicago Harvard IEEE MLA Turabian Vancouver Download Citation Endnote/Zotero/Mendeley (RIS) BibTeX Issue Vol. 2 No. 8 (2021): October-2021 Section Articles License Copyright (c) 2021 Wambugu Maranga Muriu, Dr Karuri Thiongo This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.