scholarly journals Effect of Earnings Ability on Financial Performance of Savings and Credit Societies in Kenya

2017 ◽  
Vol 2 (5) ◽  
pp. 56
Author(s):  
Prof. Willy Muturi ◽  
Jane J. Barus ◽  
Dr. Patrick Kibati ◽  
Dr. Joel Koima
Keyword(s):  
Financial Performance ◽  
Reliability And Validity ◽  
Target Population ◽  
Legal Framework ◽  
Unique Contribution ◽  
Linear Regression Models ◽  
Secondary Sources ◽  
The Social ◽  
Institutional Capital ◽  
The Government

Purpose: The purpose of this study was to establish the effect of earnings ability on financial performance of savings and credit societies in Kenya. Methodology: The study employed an explanatory research design. The target population was 83 registered deposit taking SACCO’s in Kenya that have been in operation for the last five years. The sample size for the study was all 83 SACCOs that have remained in existence since 2011-2015. Census methodology was used in the study.  Both primary and secondary sources of data were employed.  Multiple linear regression models were used to analyze the data using statistical package for the social sciences (SPSS) and STATA. A pilot study was conducted to measure the research instruments reliability and validity. Descriptive and inferential analysis was conducted to analyze the data. The data was presented using tables and graphs. Results: Based on the findings the study concluded that earnings ability influenced the financial performance of savings and credit societies in Kenya. This can be explained by the regression results which showed that the influence was positive and also showed the magnitude by which earnings ability influenced the financial performance of savings and credit societies. The univariate regression results showed that earnings ability influenced the financial performance of savings and credit societies by 6.438units. Unique contribution to theory, practice and policy: The study recommended for continuous review of credit policies, establishment of irrecoverable loan provision policies, development of sound staff recruitment policies and the use of appropriate financing mix. Further, the Government should review legal framework to ensure that institutional capital is used to grow SACCO’s’ wealth.

scholarly journals EFFECT OF ASSET QUALITY ON THE FINANCIAL PERFORMANCE OF SAVINGS AND CREDIT SOCIETIES IN KENYA

2017 ◽  
Vol 1 (4) ◽  
pp. 13 ◽  
Author(s):  
Jane J. Barus ◽  
Dr. Willy Muturi ◽  
Dr. Patrick Kibati ◽  
Dr Joel Koima
Keyword(s):  
Financial Performance ◽  
Reliability And Validity ◽  
Target Population ◽  
Linear Regression Models ◽  
Credit Policy ◽  
Equity Financing ◽  
Secondary Sources ◽  
The Social ◽  
Asset Quality ◽  
Credit Standards

Purpose: The purpose of this study was to establish the effect of asset quality on the financial performance of savings and credit societies in Kenya.Methodology: The study employed an explanatory research design. The target population was 83 registered deposit taking SACCO’s in Kenya that have been in operation for the last five years. The sample size for the study was all 83 SACCOs that have remained in existence since 2011-2015. Census methodology was used in the study.  Both primary and secondary sources of data were employed.  Multiple linear regression models were used to analyze the data using statistical package for the social sciences (SPSS) and STATA. A pilot study was conducted to measure the research instruments reliability and validity. Descriptive and inferential analysis was conducted to analyze the data. The data was presented using tables and graphs.Results: Based on the findings the study concluded that asset quality influenced the financial performance of savings and credit societies in Kenya. This can be explained by the regression results which showed that the influence was positive and also showed the magnitude by which asset quality influenced the financial performance of savings and credit societies. The univariate regression results showed that asset quality influenced the financial performance of savings and credit societies by 5.827units.Unique contribution to theory, practice and policy: The study recommended that management need to be cautious in setting up a credit policy that will not negatively affects profitability and also they need to know how credit policy affects the operation of their banks to ensure judicious utilization of deposits and maximization of profit. The study also recommended for credit information sharing between SACCO's. This will play a significant role in determining performance of deposit taking SACCO’s. Further, the study recommended that SACCO’s opt for equity financing instead of debt financing to improve on its leverage. SACCO’s should also avoid excessive lending, maintain high credit standards and limit lending to un-hedged borrowers.

scholarly journals EFFECT OF LIQUIDITY ON FINANCIAL PERFORMANCE OF SAVINGS AND CREDIT SOCIETIES IN KENYA

2017 ◽  
Vol 2 (7) ◽  
pp. 34
Author(s):  
Jane J. Barus ◽  
Prof. Willy Muturi ◽  
Dr. Patrick Kibati ◽  
Dr Joel Koima
Keyword(s):  
Financial Performance ◽  
Regression Models ◽  
Reliability And Validity ◽  
Target Population ◽  
Linear Regression Models ◽  
Secondary Sources ◽  
Liability Management ◽  
The Social ◽  
Inferential Analysis ◽  
Professional Guidance

Purpose: The purpose of this study was to determine the effect of liquidity on financial performance of savings and credit societies in Kenya.Methodology: The study employed an explanatory research design. The target population was 83 registered deposit taking SACCO’s in Kenya that have been in operation for the last five years. The sample size for the study was all 83 SACCOs that have remained in existence since 2011-2015. Census methodology was used in the study.  Both primary and secondary sources of data were employed.  Multiple linear regression models were used to analyze the data using statistical package for the social sciences (SPSS) and STATA. A pilot study was conducted to measure the research instruments reliability and validity. Descriptive and inferential analysis was conducted to analyze the data. The data was presented using tables and graphs.Results: Based on the findings the study concluded that liquidity influenced the financial performance of savings and credit societies in Kenya. This can be explained by the regression results which showed that the influence was positive and also showed the magnitude by which liquidity influenced the financial performance of savings and credit societies. The regression results showed that liquidity influenced the financial performance of savings and credit societies by 0.019 units.Unique contribution to theory, practice and policy: The study recommended for the deployment of efficient systems to strengthen liquidity risk control fundamentals. SACCO’s should also consider seeking professional guidance towards adopting policies on asset and liability management.

scholarly journals EFFECT OF MANAGEMENT EFFICIENCY ON FINANCIAL PERFORMANCE OF SAVINGS AND CREDIT SOCIETIES IN KENYA

2017 ◽  
Vol 2 (1) ◽  
pp. 92
Author(s):  
Jane J. Barus ◽  
Prof. Willy Muturi ◽  
Dr. Patrick Kibati ◽  
Dr Joel Koima
Keyword(s):  
Financial Performance ◽  
Significant Influence ◽  
Reliability And Validity ◽  
Target Population ◽  
Capital Adequacy ◽  
Unique Contribution ◽  
Linear Regression Models ◽  
Secondary Sources ◽  
Management Efficiency ◽  
Asset Quality

Purpose: The purpose of this study was to evaluate the effect of management efficiency on financial performance of savings and credit societies in Kenya.Methodology: The study employed an explanatory research design. The target population was 83 registered deposit taking SACCO’s in Kenya that have been in operation for the last five years. The sample size for the study was all 83 SACCOs that have remained in existence since 2011-2015. Census methodology was used in the study.  Both primary and secondary sources of data were employed.  Multiple linear regression models were used to analyze the data using statistical package for the social sciences (SPSS) and STATA. A pilot study was conducted to measure the research instruments reliability and validity. Descriptive and inferential analysis was conducted to analyze the data. The data was presented using tables and graphs.Results: Based on the findings the study concluded that management efficiency has no significant influence on the financial performance of savings and credit societies in Kenya. The univariate regression results showed that management efficiency has no significant influence on the financial performance of savings and credit societies (p=0.173).Unique contribution to theory, practice and policy: The study recommended that with regard to credit risk management, the management should undertake measures to improve Capital adequacy, Asset quality, Management efficiency, Earnings and Liquidity. Further, the study recommended that SACCO's should train their employees as this is likely to increase their productivity.

scholarly journals EFFECT OF CAPITAL ADEQUACY ON THE FINANCIAL PERFORMANCE OF SAVINGS AND CREDIT SOCIETIES IN KENYA

2017 ◽  
Vol 1 (4) ◽  
pp. 1
Author(s):  
Jane J. Barus ◽  
Dr. Willy Muturi ◽  
Dr. Patrick Kibati ◽  
Dr Joel Koima
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Financial Performance ◽  
Reliability And Validity ◽  
Target Population ◽  
Capital Adequacy ◽  
Operating Efficiency ◽  
Linear Regression Models ◽  
Credit Risk Management ◽  
Secondary Sources

Purpose: The purpose of this study to establish the effect of capital adequacy on the financial performance of savings and credit societies in Kenya.Methodology: The study employed an explanatory research design. The target population was 83 registered deposit taking SACCO’s in Kenya that have been in operation for the last five years. The sample size for the study was all 83 SACCOs that have remained in existence since 2011-2015. Census methodology was used in the study.  Both primary and secondary sources of data were employed.  Multiple linear regression models were used to analyze the data using statistical package for the social sciences (SPSS) and STATA. A pilot study was conducted to measure the research instruments reliability and validity. Descriptive and inferential analysis was conducted to analyze the data. The data was presented using tables and graphs.Results: Based on the findings the study concluded that capital adequacy influenced the financial performance of savings and credit societies in Kenya. This can be explained by the regression results which showed that the influence was positive and also showed the magnitude by which capital adequacy influenced the financial performance of savings and credit societies.Unique contribution to theory, practice and policy: Based on the findings the study recommended for improvement of the capital requirement regulations by SASRA. The study also recommended that SACCO should improve their liquidity, profitability, operating efficiency and total assets turnover if they must remain in business and meet the capitalization threshold SASRA. Further, the study recommended that SACCO's should shift their concentration from increasing capital levels to credit risk management. Credit risk management would result to improvement in the financial performance of SACCO's.

scholarly journals Social Media in an Emergency: Use of Social Media in Rescuing Abducted School Girls in Nigeria

2019 ◽  
Vol 13 ◽  
pp. 67-75
Author(s):  
Muhammad Abdullahi Maigari ◽  
Uthman Abdullahi Abdul-Qadir
Keyword(s):  
Social Media ◽  
Secondary Sources ◽  
The Social ◽  
Security Challenges ◽  
Social Media Platforms ◽  
Information And Communication ◽  
School Girls ◽  
The Government ◽  
Use Of Social Media ◽  
Domestic Assistance

This paper examines the abduction of the schoolgirls in Chibok Local Government Area of Borno State, Nigeria in 2014. The paper examined how the abduction of the schoolgirls generated responses and support for the rescue of the abducted girls from people and organization from different parts of the globe. The Islamists terrorist organization operating in Borno State has attracted the attention of the world since 2009 when they started attacking government establishments and security installations northeast which later escalated to major cities in Northern Nigeria. Methodologically, the paper utilized secondary sources of data to analyze the phenomenon studied. The paper revealed that the development and innovations in information and communication technology which dismantled traditional and colonial boundaries enabled people to express support, solidarity and assist victims of conflict who resides millions of Kilometers away. This shows that Internet-based communications technology has reduced the distance of time and space that characterised traditional mass media. The campaign for the release of the schoolgirls on the social media platforms particularly Twitter and Facebook has tremendously contributed to the release of some of them. Furthermore, the girls freed from abduction have received proper attention: education and reintegration programmes which enable them to start post-abduction life. In this regard, social media has become a tool for supporting the government in moments of security challenges which the Bring Back Our Girls campaign attracted foreign and domestic assistance to Nigeria in the search of the abducted girls and the fight against the Islamist insurgents.

scholarly journals Dari Medan Perang Berburu Lapangan Pekerjaan: Pengangguran Revolusi di Yogyakarta Tahun 1950-an

2017 ◽  
Vol 12 (1) ◽  
pp. 3
Author(s):  
Rika Inggit Asmawati
Keyword(s):  
Economic History ◽  
Historical Method ◽  
Secondary Sources ◽  
The Social ◽  
History Of ◽  
The Government ◽  
Revolutionary Period ◽  
Independent Country ◽  
Unemployment Problem ◽  
Economic Improvement

This research discusses about the social economic history of Yogyakarta during 1950s. The main problem is to analyze how the newly independent country of Indonesia dealt with unemployment after the revolutionary period. This research employs the historical method using primary and secondary sources, such as archives, newspapers, magazines, interviews, and reviews of relevant references. There are four conclusions in this research. First, although the period was called as the period of creating jobs, the unemployment number in early 1950s was increasing. Second, this unemployment problem was not primarily caused by the economic condition but also by demographic problems and the legacies from the Revolution Era. Third, people who were categorized as unemployed were not only labors, but also veterans. Fourth, for the government, solving this unemployment problem was the effort to create economic improvement for its society.

scholarly journals The #EndSARS protest, corruption and insecurity debates in Nigeria

2021 ◽  
Vol 22 (2) ◽  
pp. 163-184
Author(s):  
Caleb Danjuma Dami ◽  
◽  
Keyword(s):  
Social Movement ◽  
Analytical Method ◽  
Social Economic ◽  
Resource Control ◽  
Police Brutality ◽  
Political Situation ◽  
Secondary Sources ◽  
The Social ◽  
The Government ◽  
Mass Protest

The mass protest to end the Special Anti-Robbery Squad (known as the #EndSARS protest) was a decentralized social movement and series of mass protests against police brutality in Nigeria. The protest started in 2017 as a Twitter campaign using the hash tag #ENDSARS to demand the disbanding of the Special Anti-Robbery Squad. This paper argues that the #EndSARS protest in Nigeria was a microcosmic manifestation of the deeply rooted dissatisfaction of Nigerians with the social, economic and political situation of the country. Data was collected using secondary sources such as internet material, journal, research reports and textbooks, and were analyzed using the expository and analytical method of inquiry, the paper demonstrates that the protest was just the avenue the Nigerian youths got to ventilate their frustration, disappointment and anger with the government. The paper asserts that nepotism, tribalism, insecurity and corruption are the underlying issues that fuelled the protest. Restructuring and resource control, which underline the gross inequality in Nigeria, are other current debates that gave rise to the protest. Following the analysis, the paper concludes that nepotism, tribalism, insecurity and corruption are the bane of Nigeria’s economic, political and social ill.

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.

Legal Framework, Funding, and Procurement Polices to Accelerate the Growth of the Social Enterprise Ecosystem

2017 ◽  
pp. 52-83
Keyword(s):  
Social Enterprise ◽  
Third Sector ◽  
Legal Framework ◽  
Social Enterprises ◽  
Investment Fund ◽  
Economic Activities ◽  
Internal Governance ◽  
Big Society ◽  
The Social ◽  
The Government

The purpose of this chapter is to provide an outline and overview legal framework for social enterprises, including funding and procurement policies to accelerate the growth of social enterprise ecosystem. The legal framework specifically designed for UK social enterprises is known as Community Interest Company (CIC). The internal governance rules, the permissibility of direct economic activities and the rules governing profit distribution for a CIC are discussed. The chapter explains procurement policies introduced in the United Kingdom to ensure deliver and accountability for services provided by social enterprises. Procurement is increasingly seen as the key to delivering desired outcomes for government funded programmes and it provides the link between policy and delivery. The chapter also discusses a number of funds and loans structures established by the government such as: Future Builders, The Social Enterprise Investment Fund, and Big Society Capital (BSC) to encourage the development of third sector social enterprises.

Sign in / Sign up

Export Citation Format

Share Document