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 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 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 Impact of Merger on Operational and HR Efficiency: A Case Study of the State Bank of India

2021 ◽  
pp. 87-99
Author(s):  
Sanjana S. Shenoy ◽  
Shailashri V. T.
Keyword(s):  
Financial Performance ◽  
Financial Analysis ◽  
Market Performance ◽  
The State ◽  
Employee Productivity ◽  
Ratio Analysis ◽  
Performance Parameters ◽  
Secondary Sources ◽  
Asset Quality

Purpose: Analysing financial performance is one of the popular methods for measuring operational efficiency of a firm. Ratio analysis is an important tool of financial analysis. The analysis of key performance parameters enables diverse group of stakeholders to obtain information about profitability and growth prospects. Mergers and acquisitions are popular means of inorganic growth. The Indian Banking Industry has used this effective tool to consolidate and grow in size. Through M&A, acquired banks get a new name, structure, products and services. However, the risk of NPAs continues to be a major problem for banks. In order to study the effectiveness of a merger, analysing financial performance prior to and after merger becomes important. The State Bank of India merger has been taken up for the study, since following the merger there is a substantial increase in both the market share as well as asset base of the bank. Design/Methodology/Approach: This paper studies the result of mergers on financial indicators, market performance, asset quality, liquidity position and employee productivity of SBI after it merged with its 5 associate banks and BMB through ratio analysis. The ratios indicating the performance parameters have been taken from secondary sources such as moneycontrol.com, stock-financials.valuestocks.in. etc. A comparison of various financial ratios is made to determine the change in the performance parameters of the bank. Findings/Result: The study highlights reduction in profitability, increase in cost to income ratio, slight improvement in liquidity, decline in asset quality and market performance and a slight decrease in employee productivity after the merger. Originality/Value: This paper studies the effectiveness of mergers in terms of change in key financial performance parameters. Paper Type: Research Case Study based on company financial analysis.

Designing and Evaluating Survey Instruments for Research in Human Issues in Horticulture

HortScience ◽  
1998 ◽  
Vol 33 (3) ◽  
pp. 554c-554
Author(s):  
Sonja M. Skelly ◽  
Jennifer Campbell Bradley
Keyword(s):  
Survey Research ◽  
Survey Methodology ◽  
Human Subjects ◽  
Social Science Research ◽  
Reliability And Validity ◽  
Science Research ◽  
Survey Instrument ◽  
Measurement Tool ◽  
The Social ◽  
Survey Instruments

Survey research has a long precedence of use in the social sciences. With a growing interest in the area of social science research in horticulture, survey methodology needs to be explored. In order to conduct proper and accurate survey research, a valid and reliable instrument must be used. In many cases, however, an existing measurement tool that is designed for specific research variables is unavailable thus, an understanding of how to design and evaluate a survey instrument is necessary. Currently, there are no guidelines in horticulture research for developing survey instruments for use with human subjects. This presents a problem when attempting to compare and reference similar research. This workshop will explore the methodology involved in preparing a survey instrument; topics covered will include defining objectives for the survey, constructing questions, pilot testing the survey, and obtaining reliability and validity information. In addition to these topics some examples will be provided which will illustrate how to complete these steps. At the conclusion of this session a discussion will be initiated for others to share information and experiences dealing with creating survey instruments.

Reliability and Validity of the Parent form of the Social Competence Scale in Chinese Preschoolers

2012 ◽  
Vol 111 (1) ◽  
pp. 266-268 ◽  
Author(s):  
Xiao Zhang ◽  
Xue Ke ◽  
Xiaoyan Wang
Keyword(s):  
Preschool Children ◽  
Social Competence ◽  
Internal Consistency ◽  
Student Teacher ◽  
Reliability And Validity ◽  
Single Dimension ◽  
Student Teacher Relationship ◽  
The Social ◽  
Competence Scale ◽  
High Internal Consistency

The Parent Form of the Social Competence Scale (SCS–PF) was translated into Chinese and validated in a sample of Chinese preschool children ( N = 443). Results confirmed a single dimension and high internal consistency in the SCS–PF. Mothers' ratings on the SCS–PF correlated moderately with teachers' ratings on the Teacher Form of the Social Competence Scale and weakly with teachers' ratings on the Student–Teacher Relationship Scale.

scholarly journals Environmental Citizenship and Energy Efficiency in Four European Countries (Italy, The Netherlands, Switzerland and Hungary)

2020 ◽  
Vol 12 (3) ◽  
pp. 1154
Author(s):  
Ibolya Czibere ◽  
Imre Kovách ◽  
Gergely Boldizsár Megyesi
Keyword(s):  
Energy Efficiency ◽  
The Netherlands ◽  
Energy Use ◽  
European Countries ◽  
Linear Regression Models ◽  
Financial Barriers ◽  
Self Identity ◽  
Horizon 2020 ◽  
Number Of Factors ◽  
The Social

In our paper we aim at analysing the social factors influencing energy use and energy efficiency in four different European countries, using the data from the PENNY research (Psychological social and financial barriers to energy efficiency—Horizon 2020). As a part of the project, a survey was conducted in four European countries (Italy, The Netherlands, Switzerland and Hungary) to compare environmental self-identity, values and attitudes toward the energy use of European citizens. Previous research has examined the effect of a number of factors that influence individuals’ energy efficiency, and attitudes to energy use. The novelty of our paper that presents four attitudes regarding energy use and environmental consciousness and compares them across four different regions of Europe. It analyses the differences between the four attitudes among the examined countries and tries to understand the factors explaining the differences using linear regression models of the most important socio-demographic variables. Finally, we present a typology of energy use attitudes: four groups, the members of which are basically characterised by essentially different attitudes regarding energy use. A better understanding of the diversity of energy use may assist in making more accurate policy decisions.

scholarly journals Social Media Influencer’s Reputation: Developing and Validating a Multidimensional Scale

2021 ◽  
Vol 13 (2) ◽  
pp. 631
Author(s):  
Eun Ah Ryu ◽  
Eun Kyoung Han
Keyword(s):  
Social Media ◽  
Digital Media ◽  
Economic Value ◽  
Reliability And Validity ◽  
Political Influence ◽  
Measurement Tool ◽  
Opinion Formation ◽  
Consumption Behavior ◽  
The Social ◽  
The Media

Since the introduction of smartphones in 2009, social networking services (SNS), which have seen a surge in users, facilitated changes in the media environment along with social influence that has increased the economic value and political influence of SNS. In particular, as consumers’ media use and consumption behavior change around digital media, social media plays a very important role in consumers’ lives. From this perspective, influencers who influence not only consumers’ consumption behavior, but also decision-making and opinion formation based on social media are attracting attention. Therefore, the aim of this study was to develop items to measure an influencer’s reputation as a new source of information in the SNS environment; no previous researchers have presented generalized measurement items for an influencer’s reputation. We intended to identify what dimensions and items in the existing literature could effectively measure a social media influencer’s reputation and to verify each item’s relevance as a measure of a social media influencer’s reputation. Based on in-depth interviews with 30 experts and empirical findings from 557 adults, this study identified dimensions that impact on a consumer’s perception of a social media influencer and developed a scale. The results showed that the social media Influencer’s Reputation scale comprises four distinctive dimensions: Communication skills, influence, authenticity, and expertise. Additionally, the reliability and validity of the scale were assessed, using exploratory and confirmatory analyses and construct validity. The findings confirmed that the social media influencer’s reputation scale measurement items, in this study, can be used as a consistent measurement tool for each dimension. It is also important to develop value in favor of the marketing strategy by increasing value through the influencer’s reputation.

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