scholarly journals THE EFFECT OF TECHNOLOGICAL INNOVATION ON THE FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN KENYA

2016 ◽  
Vol 1 (2) ◽  
pp. 61
Author(s):  
EVANGELINE WACHIRA ◽  
Mr. Herick Ondigo
Keyword(s):  
Technological Innovation ◽  
Commercial Banks ◽  
Secondary Data ◽  
Primary Data ◽  
Technological Innovations ◽  
Unique Contribution ◽  
User Friendliness ◽  
Cross Sectional ◽  
Financial Reports ◽  
Customer Care

Purpose: The present study endeavored to determine the effects of technological innovation on the performance of commercial banks in Kenya.Methodology: The study, which was a census, employed a descriptive cross sectional design and targeted all the commercial banks in Kenya. Secondary data in form of annual financial reports was obtained from Central Bank of Kenya. In addition, primary data was gathered from personnel from the customer care departments using a structured questionnaire. Data were analyzed using IBM SPSS Statistics 21.0 and involved computation of frequencies, descriptive statistics and multiple regression analysis.Results: Most of the respondents affirmed the positive impacts of technological innovations including ease of access, convenience, user friendliness among others. The study showed that customer care employees at the banks valued technological innovations.  Moreover, the results revealed a positive and significant relationship between banks’ performance in terms of profitability and adoption of various technological innovations including customer independent technology, customer assisted technology and customer transparent technology. The combined effect of the predictor variables (customer independent technology, customer assisted technology and customer transparent technology) was positively correlated with profitability (r=0.7) with 50.8% of the variations in profitability of banks in Kenya being explained by the model. Unique contribution to theory, practice and policy: The study underscored the need for banks to continuously invest in technological innovations for them to remain highly competitive

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 Profitability in Commercial Bank – A Case Study of Nepal

2021 ◽  
pp. 61-77
Author(s):  
Anjay Kumar Mishra ◽  
Deepak Raj Kandel ◽  
P. S. Aithal
Keyword(s):  
Commercial Banks ◽  
Negative Relationship ◽  
Secondary Data ◽  
Primary Data ◽  
Positive Relation ◽  
Financial Reports ◽  
Return On Equity ◽  
Net Interest Margin ◽  
Relationship Of ◽  
The Impact

Purpose: Banking in Nepal is under the process of being systematized. Foreign aid is believed as key component for development in Nepal. This study aims to assess the impact, contribution and relationship of size, loans and deposit, inflation and capital on the profitability of the banks. Design/Methodology/Approach: Secondary data from 2013 to 2019 from seven commercial banks along with the survey as primary data were collected. The correlation and regression along with ratio analysis have been used to assure a contributory association among return on assets (ROA), return on equity (ROE) and net interest margin (NIM). Findings/Result: The size of banks is in increasing trend. The decreasing trend of standard deviation showed that the size of Nepalese commercial banks has lower variation in the use of total assets as the year increases. There is a negative relation between ROA and ROE with loan ratio, deposit ratio and capital ratio, while there is positive relation with bank size and inflation. However, in case of NIM, bank size, loan ratio, deposit ratio and inflation exhibit a positive relation while the capital ratio shows the negative relationship with NIM. Majority of the respondents feel that the publication of financial reports is one of the major influencing factors of bank profitability. Originality/Value: It is an empirical research to signify the contribution of Bank Size, Loan Ration, Deposit Ratio, Capital Ratio and Inflation as determinants of Profitability. Paper Type: Analytical Business Research.

scholarly journals INFLUENCE OF BANK STABILITY ON THE FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN SOUTH SUDAN

2019 ◽  
Vol 4 (1) ◽  
pp. 20
Author(s):  
Bak Barnaba Chol ◽  
Dr. Elizabeth Kalunda Nthambi ◽  
Dr. Joseph Kamau
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
South Sudan ◽  
Secondary Data ◽  
Primary Data ◽  
Local Market ◽  
Unique Contribution ◽  
Bank Stability ◽  
Asset Quality ◽  
Positive Effect

Purpose: The purpose of the study was to examine the influence of bank stability on the financial performance of commercial banks in South SudanMethodology: The study was guided by the CAMEL model metrics in measuring stability and its influence on the financial performance of commercial banks measured by ROA and ROE. The study was primarily grounded on the CAMEL model. The study further adopted the positivism philosophy which guided the research. The research employed a descriptive research design. The population for the study was 24 commercial banks in south Sudan from which the research targeted one senior manager. The research relied on a mixed methodology which encompassed both quantitative and qualitative data. Secondary data was collected for the period 2012-2017 from audited annual financial reports of individual banks and from the Central Bank of South Sudan reports while primary data was collected by use of a semi-structured questionnaire. The collected data into SPSS 23 for subsequent descriptive and inferential statistical analysis.Results: The correlation tests indicated a strong positive effect of asset quality on the financial performance of commercial banks ( r=0 .784); a strong positive effect of management efficiency (r= 0.758) and liquidity (r=0 .620).Unique contribution to theory, practice and policy: The study recommends that at the bare minimum the management of commercial banks should benchmark with industry experts on how to enhance their services and product offering to better their asset quality scores. Further the study recommends that banking institutions that have shied away from lending activities should reconsider the potential benefits that may accrue from undertaking lending activities. The study therefore recommends that banks should be encouraged to look beyond local market and strategically expand their operations to other geographical markets and sectors of the economy. Location of bank branches is strategically paramount if banks must maximize return on investment.

scholarly journals ELECTRONIC BANKING ADOPTION AND FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN KENYA, NAIROBI CITY COUNTY

2019 ◽  
Vol 4 (2) ◽  
pp. 19
Author(s):  
Priscah Jepchumba ◽  
Dr.Eddie Simiyu
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
Secondary Data ◽  
Target Population ◽  
Primary Data ◽  
Unique Contribution ◽  
Electronic Banking ◽  
Descriptive Research ◽  
General Managers ◽  
Positive Effect

ELECTRONIC BANKING ADOPTION AND FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN KENYA, NAIROBI CITY COUNTY   1*Priscah Jepchumba 1Post Graduate Student: Kenyatta University *Corresponding Author’s Email: [email protected] 2 Dr.Eddie Simiyu Lecturer: Kenyatta University   Abstract Purpose: This research was done to establish how e- banking adoption has improved the financial performance of commercial banks in Kenya. Methods: The study used descriptive research design and structured questionnaires to collect data.The target population was all the 41 commercial banks in Nairobi. The sampling design was census where general managers and credit managers were targeted in Nairobi headquarters. The source of data was primary and secondary data; Primary data was collected from source through questionnaires while secondary data was sourced from annual central bank reports, bank financial statements as well as periodical journals and reports. Results: The findings of the study has indicated that most of the respondents had served the banking industry for a period of at least five years and education level of at least a college diploma.  The study also rejected all the null hypotheses and concluded that electronic banking has positive effect on financial performance of commercial banks.  The study has contributed to knowledge through provision of scholarly literature on electronic banking and financial performance of commercial banks in Kenya. Unique Contribution to Theory, Practice and Policy: The study’s recommendation to management is to implement strategies which: increase Speed in Electronic Services, increase investments in Electronic banking,  promote training programs to employees and adopt suitable techniques to reduce  threats to e-banking.  The study’s recommendation is that a similar research should be conducted with a moderating or mediating variable in the same industry.

scholarly journals HUBUNGAN PENGETAHUAN, SIKAP DAN PERSEPSI IBU DENGAN STATUS IMUNISASI DASAR DI WONOKUSUMO

2019 ◽  
Vol 7 (1) ◽  
pp. 67
Author(s):  
Tri Anisca Dillyana
Keyword(s):  
Data Collection ◽  
Hepatitis B ◽  
Secondary Data ◽  
Sampling Technique ◽  
Primary Data ◽  
Immunization Program ◽  
Cross Sectional ◽  
Urban Village ◽  
Immunization Status ◽  
To Receive

Background: Basic immunization is the first immunization that should be given to everyone, especially infants and children from birth to protect lifes from dangerous diseases. The immunization program in Indonesia requires every infant (0-11 months) to receive complete basic immunization consist of 1 dose of Hepatitis B, 1 dose of BCG, 3 doses of DPT-HB-Hib, 4 doses of polio, and 1 dose of measles. Basic Immunization in RW 8 Wonokusumo Urban Village in 2017 has not reached the target. Only 73 infants (67%) of 108 have received complete basic immunization which the target of Puskesmas is 95%. This study aims to know the correlation of knowledge, attitude and mother perception with the basic immunization status in Wonokusumo. This study is an observational analytic research with quantitative approach. The study was cross sectional with a sample of 39 respondents. The sampling technique used is purposive sampling. Respondents in this study are mothers who have children under three and have KMS in RW 8 Wonokusumo Urban Village. Primary data collection techniques obtained from questionnaires while secondary data obtained from Wonokusumo Puskesmas and Surabaya City Health Office reports .The result of bivariate statistic test shows that there is correlation between knowledge, attitude, and mother perception with the immunization status of children under three with p = 0,001 (p < 0,05). Conclusion: There is correlation between knowledge, attitude, and mother perception with the basic immunization status in RW 8, Wonokusumo Village.

scholarly journals RISK ASSESSMENT PADA PEKERJAAN MENEBANG KAYU DI HUTAN PRODUKSI (STUDI KASUS PADA PENGOPERASIAN CHAINSAW PERUM PERHUTANI KPH MADIUN)

2017 ◽  
Vol 5 (2) ◽  
pp. 153
Author(s):  
Raditya Angga Pradipta
Keyword(s):  
Risk Assessment ◽  
High Risk ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Analysis Data ◽  
Observational Research ◽  
Primary Data ◽  
Cross Sectional ◽  
Forest Production ◽  
Cross Sectional Design

Logging the forest production is a high risk work. The condition of the forest acreage is difficult, the imbalance between the tools used by condition of the field and the skills of workers can lead to accidents. One of supporting job in the process of logging the forest production is the operation of the chainsaw that has hazards and risks which must be controlled. The main objective of this research was to risk assessment in the operational of the chainsaw in the work to cutting down trees in Perhutani KPH Madiun. This research was an observational research that conducted using cross sectional design and descriptive analysis. Data were used primary data based on interviews, observations and secondary data collected from the company. This research performed based on work activities of operating chainsaw. The result showed that based on idetification of hazards in activities of operating chainsaw in cutting trees, there were18 hazards Risk assessment showed that from 18 pure risks, there were 4 low risks,7 medium risks and 7 high risks. The conclusion from this research is the risk most dominant obtained from the risk assessment is high risk and risks while each one had the amount of 7 danger or 39 % of all the potential here hazards, to at a job should not be continued, work that needs to be set repeated or attempts to control at work to reduce the risk. Control must be reviewed for conformity before work began.Keywords: cut timber, identification hazards, risk assessment

scholarly journals Hubungan Pemberian Anestesi Regional Dengan Kelancaran ASI Pada Ibu Post Partum Sectio Caesarea Di Rumah Sakit Muhammadiyah Gresik

2020 ◽  
Vol 7 (2) ◽  
pp. 42
Author(s):  
Vina Rahmatika ◽  
Musa Ghufron ◽  
Nenny Triastuti ◽  
Syaiful Rochman
Keyword(s):  
Breast Milk ◽  
Caesarean Section ◽  
Post Partum ◽  
Secondary Data ◽  
Sampling Technique ◽  
Primary Data ◽  
Sectio Caesarea ◽  
P Value ◽  
Cross Sectional ◽  
Anesthetic Drugs

Background: The birth rate by caesarean section method is getting higher. Risk data for 2013 shows the method of birth with the operation method of 9.8 percent of the total 49,603 births during 2010 to 2013. Being in practice the mother must be given anesthetic before the surgery begins. This anesthesia will later affect the pain that will occur after SC. Purpose: The purpose of this study was to determine the correlation between regional anesthetic drugs and the smoothness of breast milk in women born in sectio caesarea at Muhammadiyah Gresik Hospital. Method: Method with Cross Sectional approach. The population in this study mothers who gave birth in a caesarean section at Muhammadiyah Hospital Gresik in December 2019 to January 2020. The sampling technique in this study is probability / random simple sampling. The sample in this study was a portion of mothers who gave birth in a caesarean section at Muhammadiyah Gresik Hospital. The instrument used was primary data collection in the form of questionnaires and secondary data in the form of patient medical records. Result: The data obtained in this study were processed using spearman correlation statistics. From the statistical test the Correlation coefficient value was 0.807, and obtained P-Value equal to 0,000 this value is less than 0.05. Conclusion: The conclusion of this study is that there is a correlation between the administration of a regional anesthetics and the smoothness of breast milk in mothers of post partum caesarea at Muhammadiyah Gresik Hospital.

scholarly journals Performance Measurement Using Development Ladder Assessment and Health Indicators: Study of Co-operatives

2019 ◽  
Vol 2 (1) ◽  
pp. 20-30
Author(s):  
Ridwan Ibrahim ◽  
Donni Deiriadi ◽  
Heru Fahlevi
Keyword(s):  
Performance Management ◽  
Statistical Approach ◽  
Supervisory Board ◽  
Secondary Data ◽  
Health Indicators ◽  
Primary Sources ◽  
Primary Data ◽  
Financial Reports ◽  
Management Measures ◽  
Operative Performance

AbstractObjective – This study aimed to analyze the performance of co-operative using two different performance management measures, Development Ladder Assessment (DLA 2009 version) and co-operative health indicator (CHI). Design/methodology – The sample of this study is 10 co-operatives operated in Aceh, Indonesia. Data was collected from secondary and primary sources. The secondary data is obtained from financial reports and annual meeting reports of 2014 and 2016, while primary data was collected from questionnaires with management and supervisory board of the co-operatives. The data was analyzed using a comparative and descriptive statistical approach. Results – This study found that both performance methods produced different results. Some co-operatives attain rank “A” in DLA approach, but no co-operatives are categorized as rank “A” within CHI measure. Additionally, DLA is more informative for the supervisory board in measuring co-operative performance than CHI.

scholarly journals A Study on Financial Performance of the Jordanian Commercial Banks using the CAMEL Model and Panel Data Approach

2020 ◽  
Vol 9 (4) ◽  
pp. 111-130
Author(s):  
Jamil Al Zaidanin
Keyword(s):  
Commercial Banks ◽  
Negative Relationship ◽  
Capital Adequacy ◽  
Primary Data ◽  
Quality Level ◽  
Financial Reports ◽  
Interest Income ◽  
Lending Policy ◽  
Performance Determinants ◽  
Asset Quality

The purpose of this research paper is to extensively investigate and examine the effect of the CAMEL model variables on the profitability and financial soundness of the thirteen Jordanian commercial banks for the period of 2013 to 2019, the primary data were collected from the published audited financial reports of the Jordanian commercial banks. The study uses CAMEL model variables of Capital adequacy, Asset Quality, Management efficiency, Earnings ability, and Liquidity management to rank banks as per their overall performance and measuring their effect on banks’ profitability measures of Return on Assets and Return on Equity separately through applying the fixed effect regression model. It is concluded that the ranking approach shows that Bank of Jordan was in the top position followed by the Capital Bank of Jordan. Jordan Ahli Bank was in the lowest rank in most positions. Furthermore, the empirical results indicates that Non-Interest Income to Total Assets and Net Interest Income to Total Loans and Advances have significant positive relationships with both profitability measures whereas cost to Total Income and Non-Interest Income to Total Assets have strong negative relationships with the profitability measures. In addition, Equity to Total Assets has strong negative relationship with ROE. The study suggests that Jordanian commercial banks can improve their profitability through the concentration on main activities, efficiently managing their capital adequacy, maintaining high quality level of lending policy, and utilization of full assets. Additionally, the current study recommends conducting more studies on banks’ performance determinants with an expanded scope and using more financial models besides the CAMEL model.

scholarly journals Relationship Host Behavior and The Environment of DHF Incidence in Wonokusumo Surabaya

2018 ◽  
Vol 5 (3) ◽  
pp. 383
Author(s):  
Sofa Nutrima Rismawati
Keyword(s):  
Data Collection ◽  
Dengue Hemorrhagic Fever ◽  
Secondary Data ◽  
Hemorrhagic Fever ◽  
Primary Data ◽  
Environment Interaction ◽  
Cross Sectional ◽  
Host Behavior ◽  
Cross Sectional Design ◽  
Data Collection Technique

ABSTRACTFree Number of larvae (ABJ) in RW 15, Wonokusumo Village is 85%. However, the incidence of Dengue Hemorrhagic Fever (DHF) is still high, ie 17 cases. The high incidence rate of DHF is due to the interaction between host, agent and environment. Host in terms of behavior, dengue virus as an agent and environment derived from the surrounding conditions that can cause and trigger the spread of DHF. The purpose of this research is to analyze the relationship of host and environment behavior to the occurrence of DHF in RW 15. This research using cross sectional design. Random sampling using the guy method. How to calculate the method guy is 10% of the population so that obtained a sample of 78 respondents. Primary data collection technique is done through indepth interview and filling questionnaire. Secondary data collection was obtained from Wonokusumo Puskemas report and report from Surabaya City Health Office. The research was conducted in RW 15. The result of bivariate statistic test showed significant relation between knowledge, attitude, action and environment against DHF incidence with p> α, 0,00> 0,05. The conclusion of this research is that there is host and environment interaction to DHF incidence. Suggestion of this research is procurement of work program every month, independent larvae monitoring movement by society and 3M movement plus every week on Thursday and procurement of training of cadre jumantik about how and regulation of dosage of abate powder according to dose.Keywords: host behavior, environment, disease Dengue Hemorrhagic Fever

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