EFFECT OF AGENCY BANKING ON PERFORMANCE OF MICROFINANCE BANKS IN KENYA

2020 ◽  
Vol 5 (2) ◽  
pp. 50
Author(s):  
Eunice Wangari Ndirangu ◽  
David Kiragu ◽  
Antony Ngunyi ◽  
Mohamed Shano
Keyword(s):  
Rural Areas ◽  
Target Population ◽  
Primary Data ◽  
P Value ◽  
Unique Contribution ◽  
Data Set ◽  
Record Keeping ◽  
Customer Care ◽  
The Government ◽  
And Performance

Purpose: The purpose of this study was to establish the effect of agency banking on performance of microfinance banks in Kenya Materials and Methods: The study adopted positivism philosophy approach and descriptive research design was used. The study also used census survey. The target population was the thirteen Microfinance Banks regulated by the Central Bank of Kenya. The questionnaires were self-administered and primary data was collected from the thirteen regulated microfinance banks. The data was analyzed using the Statistical Package for Social Science. Descriptive and inferential statistics were used for preliminary analysis. Factor analysis was conducted to reduce the number of factors and Kaiser Mayer Olkin and Barlett’s test of Sphericity were tested and total variance explained, scree plot and rotated component matrix were drawn. Findings: The descriptive statistics findings disclosed that agency banking has a positive effect on performance of MFBs. This was shown by 71.7% of the respondents were in agreement that agency banking influence the performance of MFBs. The findings showed that the relationship between agency and performance was p value was 0.018 and F test of 5.908 showing that the model was statistically significant for the data set. The coefficient table showed that the equation was Y = 2.680 + 0.355AGB. The findings denoted that agency banking has a moderate relationship with performance of MFBs. The MFBs are using agency banking to grow their businesses thus generating profits and capital gain. Unique contribution to theory, practice and policy: The study recommends that MFBs should open more agents especially in the rural areas to facilitate population access near services. In addition, the management team and the policy makers should ensure that policies are elaborated to protect the customers from fraud and also exploitation by the business owners due to higher transaction cost and the business operating the agents should be trained on fraud policies because it is affecting many customers. The government and the MFBs should ensure all those operating the agents are well trained on record keeping, managing of funds, and customer care.

EFFECT OF MOBILE BANKING ON PERFORMANCE OF MICROFINANCE BANKS IN KENYA

2020 ◽  
Vol 5 (2) ◽  
pp. 64
Author(s):  
Eunice Wangari Ndirangu ◽  
David Kiragu ◽  
Antony Ngunyi
Keyword(s):  
Target Population ◽  
Cash Transfer ◽  
Primary Data ◽  
P Value ◽  
Unique Contribution ◽  
Mobile Banking ◽  
Telecommunication Services ◽  
Descriptive Research ◽  
Number Of Factors ◽  
Beta Coefficient

Purpose: The purpose of this study was to establish the effect of mobile banking on performance of microfinance banks in Kenya Methodology: The study adopted positivism philosophy approach and descriptive research design was used. The study also used census survey. The target population was the thirteen Microfinance Banks regulated by the Central Bank of Kenya. The questionnaires were self-administered and primary data was collected from the thirteen regulated microfinance banks. The data was analyzed using the Statistical Package for Social Science. Descriptive and inferential statistics were used for preliminary analysis. Factor analysis was conducted to reduce the number of factors and Kaiser Mayer Olkin and Barlett’s test of Sphericity were tested and total variance explained, scree plot and rotated component matrix were drawn. Findings: The findings showed that majority of the respondents were in agreement that it is easy to deposit and withdraw cash, transfer funds, apply loan and check the balance using mobile banking. The hypothesis (H02) findings showed that mobile banking had a significant effect on performance of MFBs. The summary model showed that the R was 0.280 and a R square of 0.078. This implied that mobile banking predicted 7.8% of the performance of MFBs. The ANOVA results showed that F value was 4.940 and a p value of 0.030 which indicates that it was statistically significant. After the T test mobile banking beta coefficient was the regression model was generated Y = 2.841+ 0.271MBA. Unique contribution to theory, practice and policy: The study recommends that MFBs should partner with telecommunication services providers to develop products and services which are customer oriented and easy to use. They should develop strategies on market penetration by creating awareness on the product and services available in the market.

scholarly journals INFLUENCE OF FOOD ADEQUACY ON ENROLMENT IN ECE CENTRES IN TURKANA CENTRAL SUB COUNTY, TURKANA COUNTY, KENYA

2020 ◽  
Vol 6 (6) ◽  
pp. 29
Author(s):  
Locha Erukudi ◽  
Paul Edabu
Keyword(s):  
Secondary Data ◽  
Target Population ◽  
Quantitative Information ◽  
Primary Data ◽  
Unique Contribution ◽  
Cross Sectional ◽  
Head Teachers ◽  
Influence Of Food ◽  
The Government ◽  
Egalitarian Theory

Purpose: This study sought to establish the influence of SFP on children enrolment in early childhood education centers in Turkana Central Sub-County, Kenya. Specific objective was to establish the influence of food adequacy on enrolment in ECE centres in Turkana Central Sub County, Turkana County, Kenya. Methodology: The study was based on Maslow hierarchy of needs, the program theory and liberal egalitarian theory. The study used a mixed research method. The study adopted the cross-sectional research design. The target population was 250 schools, 78 teachers and head teachers and 5,000 parents in pre-schools in Turkana Central Sub County. The study used purposive sampling to select respondents. The sample size of the study was 150 schools, 60 teachers and head teachers and 357 parents. Primary data was gathered by use of questionnaires and interviews guides. Secondary data consisted of report forms of pre-schoolers. Quantitative information was analyzed using descriptive statistics which was computed using SPSS version 21. Qualitative data was analyzed using content analysis. Multiple regressions were done to analyze the influence of SFPs on children enrolment in ECDE centres in Turkana Central Sub County. Findings: The study found that food adequacy significantly and positively relate with children enrolment in ECE centres in Turkana Central Sub County, Turkana County, Kenya. Food adequacy had statistically significant effect of school enrolment in ECD (β = 0.415, P = 0.005). It implies that food adequacy significantly and positively relate with children enrolment in ECE centres in Turkana Central Sub County, Turkana County, Kenya. This implies that increasing food adequacy will lead to increase in children enrolment in ECE centres in Turkana Central Sub County, Turkana County, Kenya. Unique contribution to theory, practice and policy: The study therefore recommends the government to increase food supply to ensure adequacy. There is need to continue supply of balanced diet to children because it improves their growth and learning. Some of the children are from very poor families and during school holidays they suffer because of lack of food; the study therefore recommends orphans, poor and disabled to be fed even during holidays.

scholarly journals EFFECT OF FINANCIAL PLANNING AND WORKING CAPITAL MANAGEMENT ON THE PERFORMANCE OF FRUIT FARMING IN KENYA: A CASE OF MACHAKOS COUNTY

2018 ◽  
Vol 3 (1) ◽  
pp. 19
Author(s):  
Luciana Muthoki Nyamai
Keyword(s):  
Financial Planning ◽  
Sampling Technique ◽  
Target Population ◽  
Primary Data ◽  
Unique Contribution ◽  
Capital Management ◽  
Working Capital ◽  
Working Capital Management ◽  
Training Support ◽  
The Government

Purpose: The purpose of this study was to establish the effect of financial planning and working capital management on the performance of fruit farming. Methodology: Descriptive research and correlation research design were used in this study. The target population in this study was fruit farmers in Mwala Sub County in Machakos County who were 2702. Quota sampling technique was used and the sample size was 348. Primary data was collected using a questionnaire. Quantitative data was analyzed by use of descriptive and inferential statistics (correlation). Qualitative data collected was analyzed using content analysis technique. The findings of this study were presented in tables, charts and graphs. Results: The study established that financial plans have a positive and significant correlation with performance of fruit farming. Working capital management, too, was found to have a positive and significant correlation with performance of fruit farming. Unique Contribution to Theory, Policy and Practice: Based on these findings, the researcher recommended that the agricultural ministry in the county government need to train mango farmers on financial planning and have follow-up programs on the same. The study also recommended that the government, NGOS and investors whose interest lies in supporting farmers need to extend their training support to them. Further, financial institutions need to implement mechanisms for supporting the mango farmers financially.

scholarly journals EFFECT OF RAILWAY NETWORK INEFFICIENCIES ON BUSINESS OPERATIONS OF TATA CHEMICALS MAGADI, MOMBASA IN KENYA

2016 ◽  
Vol 1 (1) ◽  
pp. 26
Author(s):  
Keponyi Sakimpa ◽  
Dr. Willy M. Muturi ◽  
Dr Mos Otieno
Keyword(s):  
Survey Design ◽  
Target Population ◽  
Primary Data ◽  
P Value ◽  
Railway Network ◽  
Business Operations ◽  
The Government ◽  
Equipment Utilization ◽  
Descriptive Survey ◽  
Managerial Employees

Purpose: The purpose of this study was to investigate the effect of railway network inefficiencies on business operations of Tata chemicals Magadi, Mombasa in Kenya.Methodology: This study adopted a descriptive survey design. The target population of this study was the 450 employees of TATA Chemical Magadi Ltd. The study used a sample of 135 employees. The study employed stratified random sampling to identify the 135 respondents. The strata were those of top management, middle management/supervisors and non-managerial employees. Primary data was used to gather information by use of questionnaires. Information was sorted, coded and input into the statistical package for social sciences (SPSS 20) for production of descriptive and inferential statistics.Results: Results on the analysis of variance showed that the overall model was statistically significant and that the independent variables were good predictors of performance.  This was supported by an F statistic of 71.69 and the reported p value (0.000) which was less than the conventional probability of 0.05significance level. Descriptive results indicated that inefficiencies of Kenya Railway Corporation greatly affect production targets, customer satisfaction, sales targets and equipment utilization in Tata chemicals Magadi Ltd which in turn affects the performance of the company.Unique contribution to theory, practice and policy: The government should allocate additional annual budget to the Kenya Railways Corporation to provide efficient means of transporting freight between cities and towns. Additionally, management of Tata Chemicals Magadi Ltd should exercise stronger leadership to enhance long term planning and disaster management to avoid loss to customers and manage its efficiency.

scholarly journals Influence of Training Strategy on Growth of Small and Micro Enterprises in Kenya: A Case of Women Enterprise Fund

2019 ◽  
pp. 1-13
Author(s):  
Tom Ongesa Nyamboga ◽  
Edwin Odhuno ◽  
Walter Okibo Bichanga
Keyword(s):  
Simple Random Sampling ◽  
Target Population ◽  
Primary Data ◽  
P Value ◽  
Cluster Sampling ◽  
Group Leaders ◽  
Business Skills ◽  
Training Strategy ◽  
The Government ◽  
Micro Enterprises

The government of Kenya established Women Enterprise Fund to enhance the growth of Small and Micro Enterprises in the country through its training strategy. The purpose of this study was to establish the influence of training strategy on growth of SMEs in Kenya. This research used a descriptive survey based design. The study’s target population was composed of group leaders’ beneficiaries of Constituency Women Enterprise Scheme. Both cluster sampling and simple random sampling were used to select a sample size of 335 respondents. Quantitative primary data was collected by use of structured questionnaires. The data collected was analyzed according to research objectives. The study utilized both descriptive statistics and inferential statistics to analyze data. Both ANONA and Regression Analysis were computed to assess the correlation between the variables. The findings of the study established that majority of clients had acquired relevant business skills. The training was given to most clients on a regular basis and enabled them to operate their SMEs more effectively. ANOVA results showed a correlation between training strategy and growth of SMEs since the calculated P value 0.001 was less than the critical value 0.005. The study therefore established a positive relationship between training strategy and growth of SMEs. The findings of this study will help the government of Kenya to formulate training strategies that would boost the growth of SMEs in the whole country. The study recommends the government to provide frequent training to all SMEs in the country to make them more efficient and effective.

scholarly journals EFFECT OF INTEGRATED TICKETING ON SUSTAINABLE MOBILITY IN THE MATATU SACCOS IN NAIROBI COUNTY, KENYA

2021 ◽  
Vol 6 (2) ◽  
pp. 15-24
Author(s):  
Priscilla Muhoro ◽  
Anita Wachira ◽  
David Kiarie
Keyword(s):  
Target Population ◽  
Structured Interview ◽  
P Value ◽  
Unique Contribution ◽  
Sustainable Mobility ◽  
Descriptive Research ◽  
Interview Guide ◽  
Data Collection Instrument ◽  
The Government ◽  
High Level

Purpose: The purpose of this study was to establish the effect of integrated ticketing on sustainable mobility in the Matatu Saccos in Nairobi County, Kenya. Materials and Methods: The study was guided by Positivism philosophy while descriptive research design was adopted. The target population was 177 Sacco Managers and two representatives, one from MOT and other from MVOA respectively.  The whole population of 179 respondents was used in the study hence; the study employed the census approach. The questionnaire was pilot tested on 18 respondents who were selected randomly. The study applied Cronbach's alpha and the results displayed a high level of internal consistency hence infers that the research tool used in the study was reliable. The data collection instrument was a semi-structured questionnaire, which were dropped and picked later. A semi-structured interview guide was also used. Data was analysed using descriptive and SPSS Version 24. Results: Correlation analysis indicates that there is a strong positive and significant relationship between integrated ticketing and sustainable mobility of Matatu Sacco in Nairobi County.  (rho = 0.809, p value <0.05). Regression analysis also showed that in general, integrated ticketing is significant in explaining the variation in sustainable mobility of Matatu Sacco’s in Nairobi County, Kenya (β = 1.046, t = 15.872, p<0.05).   Unique contribution to theory, practice and policy: The study recommended that, the Ministry of Transport and the management of the Saccos should formulate substantial policies on how to handle ticketing where the government imposes control of fares. This ensures that there is functional guidance on charging the passengers, which would, in turn, improve customer satisfaction and improve company image.  

scholarly journals Police Victimization and Insecurity in Mathare North Nairobi City County, Kenya

2021 ◽  
Vol 5 (4) ◽  
pp. 52-63
Author(s):  
Jairus Mutinda Kilatya ◽  
Cyprian Kavivya
Keyword(s):  
Low Income ◽  
Police Officers ◽  
Regression Coefficient ◽  
Target Population ◽  
Government Support ◽  
Primary Data ◽  
P Value ◽  
Exploratory Research ◽  
The Government ◽  
Positive Effect

Police victimization is one of the growing cases in Kenya. There are reported cases of police being subjected to beatings and assault by citizens particularly in the low-income areas in Nairobi. Most of these reported cases have been traced to police actions, perceptions of community towards the police and even inadequate resources that the police use. These in turn affect the security situation. It is upon this backdrop that this study envisaged to scrutinize police victimization and security in Mathare North, Nairobi City County. The specific objectives of the research were; to examine the categories of police victimization and their implications on security in Mathare North, to analyze the causes of police victimization and their implications on security in Mathare North, and to evaluate the state of security in Mathare North and how it could be related to police victimization. The life style theory of victimization was used in the research. An exploratory research design based on primary data method was relied on in the study. In conducting this research, the target population was 321 police officers in Mathare North, Nairobi City County comprising of the 147 General Duty Police, 101 traffic police and 73 Administration Police. A sample size of 97police officers was selected from the target populace of Mathare North, Nairobi City County. Data collection was done through the use of questionnaires while the analysis employing descriptive and content analysis. The test for reliability showed that the variables used were reliable (Cronbach alpha was 0.759). The outcome from the study revealed that killings of the police was the main form of police victimization as shown by mean of 3.9829, followed by intimidation of police with mean of 3.7358 and assaults with mean of 3.6470. Sixty-three (63) respondents duly filled the questionnaires representing 64 percent of the total respondents. The findings revealed that the main causes of police victimization were proliferation of illegal firearms among civilians, lack of adherence to the justice system, corruption in the police, human rights violations and lack of public trust in the police. The findings revealed further that government support was necessary and influenced the relationship between police victimization and insecurity in Mathare North as shown by mean of 3.7437. The respondents agreed at mean of 3.7426 that police victimization negatively affect the security of Mathare North. A correlation test was also done and revealed that police killings, assaults on police and intimidation of police were significantly and positively correlated with insecurity based on their correlation coefficients of 0.476, 0.512 and 0.495 respectively. A regression analysis was also carried out and from the findings; police killings had a significant and positive effect on the insecurity of Mathare North with regression coefficient being 0.899 and p value of 0.006. Assault on the police had a significant and positive effect on insecurity of Mathare North as shown by regression coefficient of 1.020 and p value of 0.001. Intimidation of police had a positive and significant effect on the insecurity of Mathare North with a regression coefficient of 0.894 and p value of 0.004. The study recommends that the government should strengthen collaboration between the National Police Service and civilians in Mathare North to prevent cases of insecurity arising from police victimization. The study further recommends that the government must improve on its support in terms of equipment’s to the police in the area so that they can be able to defend themselves while maintaining the security in Mathare. Future studies should focus on other low-income settlements in Nairobi and major towns in Kenya.

scholarly journals Influence of Post-Harvest Technology on Food Security in Narok East sub-County, Kenya

2022 ◽  
Vol 4 ◽  
pp. 1-15
Author(s):  
Mmaitsi Lawrence Asige ◽  
Obushe Dennis Omuse
Keyword(s):  
Food Security ◽  
Rural Areas ◽  
Crop Yields ◽  
Target Population ◽  
Sample Size Determination ◽  
Primary Data ◽  
P Value ◽  
Post Harvest ◽  
Household Heads ◽  
The Relationship

Crop yields have decreased globally due to declining investments in research and infrastructure, which are preconditions for food security. The study established the Influence of Post-Harvest technology on Food Security in Narok East sub-County, Kenya, which is a rural sub-County in Narok County. A descriptive research design was adopted by the study. The target population is comprised of 25078 households distributed proportionally in the four wards and is involved in different farming activities. A sample of 378 household heads was determined using the sample size determination formula. Primary data was collected using a questionnaire and an interview guide. Data analysis was done using descriptive statistics of frequencies, percentages and inferential statistics of correlation, ANOVA and regression analysis. The results were presented using frequency and percentages, tables and charts. The relationship between the variables was tested at a significant level of 0.05. The results show that there is a strong, positive and significant correlation between post-harvest technology and food security in the sub-County (r = .606** and p-value = 0.000). This implies that the relationship between the variables is very significant hence post-harvest technology is a strong determinant of food security in the study area. The study concludes that ANOVA model indicated a very significant and statistical relationship between post-harvest technology and food security. The study is beneficial to all the stakeholders in rural areas in Kenya who have consistently experienced food insecurity as it will provide appropriate data that will be used for policymaking.

scholarly journals Savings Behavior of Government Salaried People in Unakoti District of Tripura

2021 ◽  
Vol 9 (1) ◽  
pp. 26-37
Author(s):  
Sukharanjan Debnath
Keyword(s):  
Rural Areas ◽  
Financial Literacy ◽  
Secondary Data ◽  
Primary Data ◽  
Dependency Ratio ◽  
Government Employees ◽  
Savings Behavior ◽  
Daily Rate ◽  
Savings Rate ◽  
The Government

As per rules, the Savings practice of Government salaried people is mandatory up to a stipulated amount of monthly salary. According to GPF, EPF and NPS Rules, a predetermined amount is deducted by the employer at source for the future wellbeing of the concerned employee and invest to GPF, EPF, NPS, etc. In addition to these mandatory savings, employees can save their money to other savings instruments according to their capability and other conditions. As most of the government employees in Unakoti district of Tripura are working with small designations and salaries, they are not able to save more in addition to mandatory savings. Fixed Pay Employee (FPE), Contract Base Worker (CBW), Per Time Worker (PTW), Monthly Pay Worker (MPW), Daily Rate Worker (DRW) are the working conditions where employees get less amount of salary in comparison to regular employees. Under these conditions, their savings rate is also low in comparison to other employees. Other Sources of income, spouse job, dependency ratio, age, literacy level, educational qualification and availability of savings instruments nearby employees are an important aspect for better understanding of savings improvement in the District. The present study entitled “Savings behavior of Government Salaried People in Unakoti District of Tripura” is an empirical study based on primary data and secondary data. The study reveals that the savings rate of salaried people in Unakoti District of Tripura is growing slowly. Financial literacy, reduction of dependency ratio by employment generation programs, Massive awareness program and availability of savings instruments in the rural areas may make a vigorous savings environment in Unakoti District of Tripura.

scholarly journals PENGARUH MODAL USAHA DAN LAMA MELAUT, TERHADAP HARGA JUAL IKAN PADA PASAR TRADISIONAL SANGGENG MANOKWARI

2019 ◽  
Vol 2 (2) ◽  
pp. 407
Author(s):  
Sarce Babra Awom
Keyword(s):  
Venture Capital ◽  
Market Price ◽  
Primary Data ◽  
P Value ◽  
Selling Price ◽  
Time Work ◽  
Long Time ◽  
The Government ◽  
Collection Methods

The purpose of this study was to measure the effect of venture capital (X1)  and the long time at sea /time work hours (X2) for the offer price of fish (Y) in the tradisional sanggeng market manokwari, with 73 respondents chosen randomly and consisted of sellers and buyers in the sanggeng market. Data  collection  methods are done through interviews,  (primary data)  with a questionnaire and then  carried out  a questionnaire  test  and test the quality of the data, and then analyzed uiple linear regression. The result of research simultan eously or statistically partial variables X1 (venture capital) and variable X2 (long sea)  significantly influence the higt selling price of fish (variable y) in the manokwari sanggeng market  because the value of p. Value (0,000)<(0.05) sig (5%.) so it can be concluded that when fish traders increase capital by 1% the price of fish in the market rises by 13,5% and also when a long time to go to sea increases 1 day than the price of fish increases by  33.900,00. The government needs to control high (expensive) fish prices in the market by activating an inflation control team that continues to monitor the market price (specifically) of the fisheries sector.

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