scholarly journals AN INVESTIGATION OF FACTORS THAT LEAD TO RESISTANCE TO CHANGE IN THE TRANSFORMATION PROCESSOF MICROFINANCE ORGANIZATIONS IN KENYA INTO DEPOSIT TAKING INSTITUTIONS

2017 ◽  
Vol 1 (2) ◽  
pp. 43
Author(s):  
Belinda Kendi ◽  
Prof. Kinyua Kamaria
Keyword(s):  
Training Programs ◽  
Resistance To Change ◽  
Positive Association ◽  
Transformation Process ◽  
Strategic Decision ◽  
Primary Data ◽  
Microfinance Institutions ◽  
Descriptive Research ◽  
Track Record ◽  
Successful Change

Purpose: The purpose of this study was to evaluate the factors that lead to resistance to change in the transformation process of Microfinance institutions in Kenya into Deposit Taking institutions.Methodology: This study adopted descriptive research design. For purposes of collecting primary data, the use of a questionnaire developed by the researcher was used. Data was then analyzed using Excel and SPSS and presented in tables, graphs and charts. A total of 120 questionnaires were distributed to the above five organizations and 42 of them were returned. This represents a 35% response rate.Results: The study also concluded that initiatives that reduce resistance to change have a positive association with transformation.  For instance, the study concluded that training was associated with higher transformation success. Furthermore, a positive attitude towards change was associated with higher transformation success. The study also concluded that the higher the perceived benefits, the higher the transformation success. It was also noted that organizations that had a good track record of successful change attempts had successful transformations and that the credibility of the organizations determined how respondents felt about the organizations ability to implement successful transformations.Unique contribution to theory, practice and policy: The study recommends that Leaders should as much as possible clearly define the need for the change by communicating the strategic decision as well as involving their subordinates in the planning of the change by asking them to give suggestions and ideas. Transforming MFIs should also plan for and deliver relevant training programs that develop basic skills.

A Study On Employee Perception On Effectiveness Of Training Programs In Myanmar Citizens Bank

2019 ◽  
Vol 118 (11) ◽  
pp. 603-618
Author(s):  
ZawZawMyint ◽  
Sandeep Poddar ◽  
Abhijit Ghosh ◽  
Amiya Bhaumik
Keyword(s):  
Research Method ◽  
Training Programs ◽  
Secondary Data ◽  
Employee Perceptions ◽  
Annual Reports ◽  
Primary Data ◽  
Roles And Responsibilities ◽  
Descriptive Research ◽  
Effectiveness Of Training ◽  
And Training

In banking industries, employees are entrusted with different roles and responsibilities, and training enables them to carry out these roles and responsibilities efficiently by let them to learn new things. Moreover, it will prepare them to take up higher responsibilities in the future. Therefore, this study focuses to analyze the employee perceptions on effectiveness of Training Programs in Myanmar Citizens Bank (MCB).  By using the descriptive research method, primary data are collected from the responsible persons and employees of MCB in head office, branches. Secondary data are gathered and scrutinized from relevant text books, records and annual reports from MCB. The research revealed that there are four kinds of training programs in MCB. Moreover, this paper revealed that MCB successfully delivered its training programs in year 2015 to 2018 and the trainees have positive perceptions on effectiveness of training programs in MCB. Based on these results, this paper pointed out the important facts that can give improvement actions for effective and efficient training programs in Myanmar Citizen Banks.

Sustainability of Microfinance Institutions in India

2018 ◽  
pp. 257-274
Author(s):  
Kabita Kumari Sahu
Keyword(s):  
Achievement Motivation ◽  
Training Programs ◽  
Secondary Data ◽  
Primary Data ◽  
Age Group ◽  
Microfinance Institutions ◽  
Economic Activities ◽  
Market Linkage ◽  
Medium Level ◽  
And Training

The objective of the chapter is to analyze the performance and constraints of selected occupation-related SHGs in India and examine the sustainability of SHGs providing microfinance on the basis of secondary data and primary data from Kendrapara district of Odisha, India. It is observed that majority of the SHG members are in young age group with low level of literacy, small and medium level of land holding, medium level of dependency ratio, forming experience, family encouragement, deferred gratification, risk willingness achievement motivation, and economic activities. The major variables that have contributed for enhancing the performance of SHGs are family encouragement, risk willingness, achievement motivation, extension participation, extension contact, and training programs. In order to enhance further motivation and build confidence, proper market linkage and training programs need to be established. Further, to ensure sustainable development of SHGs in future, federation of SHGs can be thought of by the implementing agency.

scholarly journals Analysis of Non-Performing Loans (NPL) among Microfinance Institutions (MFIs) in Ghana: Evidence from the Kasoa Municipality

2019 ◽  
pp. 1-10
Author(s):  
Emmanuel Arhin ◽  
Ramatu Issifu ◽  
Benard Akyeampong ◽  
Isaac Nana Opoku
Keyword(s):  
Executive Director ◽  
Training Programs ◽  
Sampling Technique ◽  
Qualitative Approach ◽  
Economic Conditions ◽  
Primary Data ◽  
Microfinance Institutions ◽  
Loan Repayment ◽  
Frequency Table ◽  
Pie Chart

The contributions of Micro-Finance Institutions (MFIs) to the Ghanaian economy can never be overemphasised. However, most of these institutions are faced with various challenges including non-payment of loans which constantly affect their operations and subsequently survival. As such, the study hinged on determining the non-performing loan (NPL) situations of Micro-Finance Institutions (MFIs) in Ghana focusing on four firms within the Kasoa metropolis, Central Region. The principal objective of the study was to determine the non-performing loan situations of 4 MFIs. The study adopted the both quantitative and qualitative approach and obtained a sample from 10 MFIs using the convenient (haphazard) sampling technique. The respondents comprised a branch manager, an executive director and two credit managers from each MFI. The data gathered were analysed using descriptive tools such as frequency table, bar charts and pie chart. The data was also analysed using narrations. Primary data collection instruments, specifically questionnaires were employed to gather data from the respondents. The study revealed the categories of loans existing in MFIs as well as those usually applied for, the factors accounting for non-performing loans, management of non-performing loans, sources of incomes and profits, impact of NPL on firms’ operations. The study concluded that NPLs is a challenge for MFIs especially those in Kasoa metropolis. Recommendations made were that, The MFIs should make conscious efforts to pursue the implementation of the existing safeguards as it will help address the NPL situation, Clients granted loans should be monitored to ensure that loans are used for intended purposes, Training programs should be organised to adequately equip staff that engage in granting and recovery of loans, There should be good client profiling to identify the economic conditions of clients, this will aid the charging of appropriate interest rate that will enhance loan repayment.

scholarly journals Impact of Brand Loyalty on Consumers Packaged Milk Products in Chennai

2019 ◽  
Vol 8 (11) ◽  
pp. 3212-3214
Keyword(s):  
Brand Loyalty ◽  
Secondary Data ◽  
Positive Association ◽  
Primary Data ◽  
Milk Products ◽  
Positive Feeling ◽  
Descriptive Research ◽  
The People ◽  
Rural And Urban ◽  
Service Durability

Brand loyalty is refers to positive feeling towards the brand and the continuous purchase of particular brand products..It various from place to place depending on quality, reliability, service, durability etc. The main objectives of this study is to study the factors influencing brand impact of milk among rural and urban consumers and to analyse the problems faced by rural and urban consumers in the usage of different brands of milk and to find out the reasons for switchover from one brand to other brand of milk. Descriptive research is used with convenient sampling method, in this study. The research was conducted in Chennai with 1450 respondents .Primary data is collected through questionnaire schedule and secondary data was selected from journals. The research found that brand loyalty have a positive association among the people. The study concludes that impact of brand loyalty among people on packaged milk products differs from person to person.

scholarly journals AN INVESTIGATION OF THE ROLE OF LEADERSHIP IN THE TRANSFORMATION PROCESS OF MICROFINANCE ORGANIZATIONS IN KENYA INTO DEPOSIT TAKING INSTITUTIONS

2017 ◽  
Vol 1 (2) ◽  
pp. 22
Author(s):  
Belinda Kendi ◽  
Prof. Kinyua Kamaria
Keyword(s):  
Research Design ◽  
Significant Relationship ◽  
Change Process ◽  
Transformation Process ◽  
Primary Data ◽  
Front Line ◽  
Positive Role ◽  
Positive Correlation ◽  
Descriptive Research

Purpose: The purpose of this study was to evaluate the role of leadership in the transformation process of microfinance organizations in Kenya into deposit taking institutions.Methodology: This study adopted descriptive research design. For purposes of collecting primary data, the use of a questionnaire developed by the researcher was used. Data was then analyzed using Excel and SPSS and presented in tables, graphs and charts. A total of 120 questionnaires were distributed to the above five organizations and 42 of them were returned. This represents a 35% response rate.Results: The study concluded that leadership plays a positive role in the transformation success.  This conclusion was supported by correlation results which revealed that there is a positive correlation between leadership and transformation success. Therefore an increase in the effectiveness of leadership is associated with an increase in transformation success. The conclusions were also supported by regression results that revealed a positive and significant relationship between leadership and transformation success.Unique contribution to theory, practice and policy: The study recommends to the leaders of transformation organizations to be on the front line in communicating change to subordinates, supporting them as well as being actively involved in the change process. 

scholarly journals EFFECTS OF UNSECURED PERSONAL LOANS ON HOUSEHOLD FINANCIAL HEALTH OF PRIMARY SCHOOL TEACHERS IN EMINING DIVISION, BARINGO COUNTY, KENYA

2017 ◽  
Vol 12 (1) ◽  
pp. 3153-3158
Author(s):  
Robert Kingwara ◽  
Florence Bett ◽  
Mary Bosire
Keyword(s):  
Primary School ◽  
Primary Schools ◽  
Positive Association ◽  
Primary Teachers ◽  
Primary Data ◽  
Financial Health ◽  
School Teachers ◽  
Primary School Teachers ◽  
Descriptive Research ◽  
Home Improvement

Credit facilities include both secured and unsecured loans. For employees, unsecured personal loans have become more popular due to the relative ease and speed at which they can be obtained. The study focused on three areas namely: evaluate the effects of school fees loans on household financial health of primary school teachers in Emining division, assess the effects of home improvement loans on household financial health of primary school teachers in Emining division, examine the effects of emergency loans on household financial health of primary school teachers in Emining division and establish the effects of development loans on household financial health of primary school teachers in Emining division. The study used descriptive research design. Purposive sampling was used to obtain a sample of 165 respondents, 5 teachers from each of the thirty-three primary schools, in Emining Division, Baringo. A questionnaire was used to collect primary data from the respondent. Correlation analysis was conducted to test the study hypotheses. Results of the study showed that there is a statistical significant positive relationship between unsecured personal loans and household financial health. In particular, there is a statistical positive association between school fees loans, home loans, emergency loans, development loans and household financial of primary school teachers. The study concludes that unsecured loans contributes to the wellbeing of primary teachers.

scholarly journals IMPACT OF ORGANIZATIONAL CULTURE IN THE EFFECTIVENESS OF THE TRANSFORMATION PROCESS OF MICROFINANCE ORGANIZATIONS IN KENYA INTO DEPOSIT TAKING INSTITUTIONS

2017 ◽  
Vol 1 (2) ◽  
pp. 65
Author(s):  
Belinda Kendi ◽  
Prof. Kinyua Kamaria ◽  
Prof. Kinyua Kamaria
Keyword(s):  
Organizational Culture ◽  
Transformation Process ◽  
Primary Data ◽  
Unique Contribution ◽  
Dominant Culture ◽  
Leadership Culture ◽  
Descriptive Research ◽  
Organization Leadership ◽  
The Stability ◽  
The Impact

Purpose: The purpose of this study was to assess the impact of organizational culture in the effectiveness of the transformation process of microfinance organizations in Kenya into deposit taking institutions.Methodology: This study adopted descriptive research design. For purposes of collecting primary data, the use of a questionnaire developed by the researcher was used. Data was then analyzed using Excel and SPSS and presented in tables, graphs and charts. A total of 120 questionnaires were distributed to the above five organizations and 42 of them were returned. This represents a 35% response rate.Results: Based on the findings, the study concluded that the dominant culture of MFIs that have transformed to DTMs is that of Control. The results further led to the conclusion that this type of culture is appropriate for MFIs since MFIs operate in heavily regulated and structured environment where standardized procedures and efficient processes enhance the stability of such MFIs. The study also showed that the most dominant organization leadership culture is that of Control. The leaders exemplify coordinating, organizing or smooth running efficiency. Results further revealed that leadership culture that is generally considered to exemplify entrepreneurship, innovation or risk taking is associated with the highest transformation success. Unique contribution to theory, practice and policy: The study recommends that the leadership of organizations should have an understanding of the attributes of the dominant culture of their organizations, the level of opposing tension or balance between values, or the congruence between the organization and its leadership or initiatives.

Effects of Financial Innovations on Profitability for Deposit Taking Microfinancing Institutions in Kenya

2018 ◽  
Vol 9 (6) ◽  
pp. 529-536
Author(s):  
Martin Khoya Odipo ◽  
Keyword(s):  
Financial Institutions ◽  
Positive Relationship ◽  
Financial Institution ◽  
Secondary Data ◽  
Financial Statements ◽  
Descriptive Statistics ◽  
Primary Data ◽  
Microfinance Institutions ◽  
Financial Innovations ◽  
Strong Positive Relationship

Recent studies have documented that innovations improve profitability of firms. This article documents that deposit taking micro financial institutions that have adopted financial innovations have increased their profitability. The study covered five years between 2009-2013. Both primary and secondary data were used in the study. Primary data was obtained through administration of drop and pick questionnaires to selected employees of the institutions. Secondary data was obtained from financial statements and management reports of these deposit taking microfinance institutions. Data was analyzed using descriptive statistics, return on asset and multi-liner regression model to determine the effect of each financial innovation applied on profitability on the micro-financial institution. The results showed that most deposit taking microfinance institutions adopted these financial innovations in their current operations. There was strong positive relationship between individual innovations and profitability. In line with profitability ROA also showed improvement each year after the adoption of these financial innovations.

After-hours work-related technology use and individuals' deviance: the role of interruption overload, psychological transition and task closure

Kybernetes ◽  
2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Junaid Khalid ◽  
Qingxiong Derek Weng ◽  
Adeel Luqman ◽  
Muhammad Imran Rasheed ◽  
Maryam Hina
Keyword(s):  
Information And Communication Technologies ◽  
Technology Use ◽  
Deviant Behavior ◽  
Positive Association ◽  
Primary Data ◽  
Research Model ◽  
Content Type ◽  
Work Related ◽  
After Hours ◽  
And Task

PurposeThe information and communication technologies have made it progressively practical for employees to remain associated with work, even when they are not in the workplace. However, prior studies have provided very little understanding of the implications for the deviant behavior aspect. The current study aims to investigate the association between after-hours work-related technology usage and interpersonal, organizational and nonwork deviance through psychological transition, interruption overload and task closure. The authors draw upon the theory of conservation of resource (COR) to examine the research model.Design/methodology/approachThe primary data for the study has been collected in two waves from the sample of 318 employees who were working in diverse organizations in the Anhui province of the People's Republic of China for empirical testing of the authors’ research model.FindingsThis study's findings have revealed the positive association of after-hour work-related technology use with individuals' deviance in its entire three forms through psychological transition and interruption overload and have negative associations with all forms of deviance through task closure.Originality/valueThe significant contribution of this study is in the literature on technology use and employee outcomes, by identifying the consequences of technology use in both work (interpersonal deviance and organizational deviance) and outside work domain (nonwork deviance) and exploring the underlying mechanisms for these relationships in detail. To the best of the authors’ knowledge, this study is the first of its kind that investigates a relationship between after-hours technology use and all three kinds of deviance while exploring both the positive and negative perspectives in one study.

scholarly journals DETERMINANTS INFLUENCING PENSION FUND INVESTMENT PERFORMANCE IN KENYA

2018 ◽  
Vol 3 (1) ◽  
pp. 14
Author(s):  
Anthony Kyanesa Mutula ◽  
Dr. Assumptah Kagiri
Keyword(s):  
Pension Fund ◽  
Multiple Linear Regression Model ◽  
Target Population ◽  
Pension Funds ◽  
Primary Data ◽  
Investment Strategies ◽  
Investment Performance ◽  
Descriptive Research ◽  
Fund Investment ◽  
Regulation Compliance

Purpose: The purpose of the study was to investigate the determinants influencing pension fund investment performance in Kenya.Methodology: The study employed a descriptive research design. The study target population was all the 33 registered pension funds in Kenya, and the sample size was 66 senior employees involved in decision making. The study adopted a census approach and therefore data was collected from all the 33 registered pension funds. A questionnaire was used to collect primary data from the selected respondents. The data collected was analyzed using the statistical package for social sciences (SPSS) version 23.0. The software was used to produce frequencies, descriptive and inferential statistics which was used to derive generalizations and conclusions regarding the population. Multiple linear regression model was used to measure the relationship between the independent variables and the dependent variable. The study findings were presented using figures and tables.Results: The study findings revealed a positive and significant relationship between diversification decisions, management competency, investment strategies, regulation compliance and investment performance of pension funds in Kenya.Unique contribution to theory, practice and policy: The study recommended that the management of pension funds should establish a strong organization structure and policy implementation, which will enhance their portfolio composition; the firms should have highly competent management; should incorporate investment literacy and capability programs in their organizations; and should continue adhering to the set regulations.

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