http://41.89.49.13:8080/xmlui/handle/123456789/7 2026-07-22T06:06:05Z 2026-07-22T06:06:05Z Mokua, Benjamin B http://41.89.49.13:8080/xmlui/handle/123456789/1466 2020-02-26T09:30:03Z 2019-01-01T00:00:00Z

Effect Of Informal Financial Services On Financial Performance Of Micro And Small Enterprises In Nairobi County, Kenya Mokua, Benjamin B Globally, micro and small enterprises play a vital role in social and economic development of a country through the creation of employment and contribution to the growth of GDP (Gross Domestic Product). Financial access, savings mobilization, and financial literacy are critical for the sustainability and growth small businesses. The purpose of this study was to investigate the effect of informal financial services on the financial performance of micro and small enterprises in Nairobi County, Kenya. The study was guided by the following objectives – to find out the effect of table banking credit access on the financial performance of MSEs in Nairobi County, to investigate the effect of table banking financial literacy on the financial performance of MSEs in Nairobi County, and to evaluate the effect of table banking savings mobilization on financial performance of MSEs in Nairobi County. The target population was 177 MSEs in informal markets in Nairobi County. The study used stratified random sampling to select a sample size of 121 respondents. The researcher used structured questionnaires to collect primary data. Data was analyzed via the Statistical Package for Social Sciences (SPSS). The findings of the study were presented using pie-charts and frequency table. The study used descriptive statistics – mean, standard deviation, and mode to explain the characteristics of variables. The study found out that the majority (43.7%) of entrepreneurs were in the retail and wholesale sector. Regarding the cost of credit, respondents agreed (mean 4.18) to great extent that table banking cost of loan was cheaper than that of formal financial institutions. On savings mobilization, respondents consented (mean 4.20) that table banking had allowed them to pool funds and reinvest them in their businesses. On financial literacy, respondents concurred (mean 4.10) that business literate entrepreneurs practiced diversification by assigning their funds to various ventures. Also, financial literacy was found to be the best and significant predictor of financial performance (p=0.000). Furthermore, the respondents agreed (mean 4.15) that there had been an increase in the annual profits of their businesses. The study concluded that table banking groups had favorable loans terms which made MSEs to borrow loan from them. Table banking firms instilled savings discipline amongst members making them to pool adequate funds for reinvestment. To enhance financial performance, members of table banking should seek the services of a financial expert to teach them about the best business practices.

2019-01-01T00:00:00Z Wanjagi, Agnes J http://41.89.49.13:8080/xmlui/handle/123456789/1443 2019-05-20T12:10:21Z 2018-01-01T00:00:00Z

Effect Of Credit Risk Management Practices On Performance Of Commercial Banks In Kitengela,kenya Wanjagi, Agnes J Credit management is a major factor that influences the profitability, growth and survival of different banks. Firms mostly gain from sound credit management if the proceeds of sales surpass the total costs of credit. Actually, weak credit management is the main cause why many commercial banks fail. The target population for this study were 50 staff members from the credit department of Commercial banks.The researcher used convenience sampling in which it narrowed down to 5 Commercial banks in Kitengela which included Equity, Cooperative, Barclays, KCB and Family.The research reliedheavily on primary data. The former was gathered through self-administered questionnaires containing closed ended questions. The information was gathered and coded using descriptive statistics, specifically the mean and standard deviation to explain each variable. The data was analyzed through statistical package for social sciences (SPSS). Pie charts,frequency distribution tables, and bar charts had a great role in the presentation of results while ANOVA was used in analysing the findings. The findings indicate that Credit appraisal positively influenced performance and was insignificant, risk identification had a positive impact and was significant,risk monitoring had a negative impact and was insignificant, risk measurement had a positive and significant effect, risk control had a positive and significant effect while risk monitoring had a negatively and insignificantly influenced performance. Recommendations for the research indicate that banks can invest in other ways of improving performance such as business alignment, channel optimization, process costs, staff productivity, technology and innovation. The study concludes that the banks need a multifaceted approach in their risk management efforts that includes all the practices that were of focus to this study in order to realize the full benefits relating to risk management programs.The study suggests that a further research can be done on impact of credit risk management on financial performance of other institutions like microfinance institutions and SACCOs.

2018-01-01T00:00:00Z Kiura, Samuel G http://41.89.49.13:8080/xmlui/handle/123456789/1428 2019-03-20T07:54:34Z 2018-01-01T00:00:00Z

Factors Influencing The Growth Of Mobile Banking Service In Kenya Kiura, Samuel G With continuous innovations, banking in Kenya has found itself unable to resist technological indulgence which has resulted to competitions and banks are forced to explore new channels for monetary services beyond the banks premises. The general objective of the study was to establish factors affecting the growth of mobile banking in Kenya. Specifically, the study was to determine how perceived ease of use; transaction costs and perceived risk have affected the growth of mobile banking in Kenya. The target population was 43 commercial banks in Kenya and the sample size was 30 commercial banks with head offices in Nairobi. Respondents were randomly selected from a sample frame of 5 staffs from data centre division of 30 commercial banks. A questionnaire was used to collect the data from the respondents. Data was analysed using descriptive statistics, correlation analysis and multiple regression analysis. The findings will help the policy makers mainly in financial services sector on how banks need to keep ahead of innovations in order to remain competitive. The study will be important to investors and government agencies like CBK and KNBS in establishing the level of impact and the growth of mobile banking in the economy.

2018-01-01T00:00:00Z Okombo, David O http://41.89.49.13:8080/xmlui/handle/123456789/1417 2019-03-19T12:07:29Z 2018-01-01T00:00:00Z

Effect Of Retention Strategies On Job Satisfaction Among Employees In Savings And Credit Cooperative Societies In Kenya Okombo, David O The purpose of this study was to determine the effect of retention strategies on job satisfaction among employees in Savings and Credit Cooperative Societies in Kenya. The specific objectives of the study were to determine how rewards, job security, working environment and training and development influences job satisfaction in Savings and Credit Cooperative Societies in Kenya. As the world is becoming a global village, a lot of technological changes have to be emphasized to influence the day to day operations at the workplace. As a result, much emphasis has to be put on knowledgeable workers in order to meet the changing needs of the business environment. Organizations should therefore put in place various strategies to ensure recruitment and retention of workforce who possess the right skills and knowledge to ensure high quality delivery for a sustainable performance. Stratified random sampling technique was used in the study while the study population was consist of all the employees in the selected cadres of the 42 Sacco’s based in Nairobi County while the sample size was derived through census whereby all the Sacco’s were included in the sample. From the Sacco’s 10% of the employee were selected where 4 respondents were picked from every Sacco. This made a sample size of 168 respondents. Primary data was used to collect information in this study through questionnaires. The data collected was processed using regression analysis technique. The researcher used Cronbach Alpha of 0.7 for this study as a measure of internal consistency. The data from the findings was then analysed by SPSS and presented using tables, pie-charts and graphs. The study established that employee rewarding, job security, training and development and work environment contributed to job satisfaction among SACCO’s in Kenya. The inferential analysis of the study model however revealed that employee rewarding, job security and work environment had a significant and positive effect on job satisfaction while training and development had a positive but insignificant relationship on job satisfaction.

2018-01-01T00:00:00Z