scholarly journals Effect of liquidity risk on the financial performance of deposit taking savings and credit cooperative organisations (SACCOs) in Kenya

2021 ◽  
Vol 10 (2) ◽  
pp. 203-211
Author(s):  
Benjamin Otwoko ◽  
Kimani Maina
Keyword(s):  
Financial Performance ◽  
Significant Influence ◽  
Survey Design ◽  
Liquidity Risk ◽  
Regression Methods ◽  
Optimal Functioning ◽  
Asset Portfolio ◽  
Level Of Significance ◽  
Descriptive Survey ◽  
The Relationship

Liquidity risk is the potential that an entity will be unable to acquire the cash required to meet its short and intermediate-term obligations. Deposit-taking Savings and Credit Cooperative Organisation (SACCOs) face liquidity risk when they are unable to fund their operations and lending requirements to their members as and when circumstances demand. Given that liquidity is a key phenomenon on the optimal functioning and financial performance of deposit-taking SACCOs, this study critically analyzed the effect of liquidity risk on the financial performance of DT SACCOs in Kenya. The study used a descriptive survey design and employed regression methods to model the relationship between liquidity risk and financial performance of DT SACCOs. The data were analyzed at a 5% level of significance. The study findings revealed that at a 5% level of significance, liquidity risk had a statistically significant influence on the financial performance of deposit-taking SACCOs. Basing on the findings, DT SACCOs are encouraged to focus on enhancing the mobilization of deposits to ensure that an asset portfolio that minimizes liquidity risk is maintained.

PENGARUH PRODUK DOMESTIK BRUTO, INFLASI DAN RASIO GINI TERHADAP PENGANGGURAN TERBUKA DI PROVINSI DKI JAKARTA

2018 ◽  
Vol 14 (2) ◽  
Author(s):  
Sri Mahendra Putra Wirawan
Keyword(s):  
Economic Growth ◽  
Significant Influence ◽  
Economic Conditions ◽  
Research Model ◽  
Economic Region ◽  
Regression Methods ◽  
Price Increases ◽  
Comprehensive Picture ◽  
Development Goals ◽  
The Relationship

Gross Regional Domestic Product (GRDP) which provides a comprehensive picture of the economic conditions of a region is indicator for analyzing economic region development. Another indicator that is no less important is inflation as an indicator to see the level of changes in price increases due to an increase in the money supply that causes rising prices. The success of development must also look at the income inequality of its population which is illustrated by this ratio. One of the main regional development goals is to improve the welfare of its people, where to see the level of community welfare, among others, can be seen from the level of unemployment in an area. To that end, in order to get an overview of the effects of GRDP, inflation and the ratio of gini to unemployment in DKI Jakarta for the last ten years (2007-2016), an analysis was carried out using multiple linear regression methods. As a result, together the relationship between GRDP, inflation and the Gini ratio is categorized as "very strong" with a score of 0.936, and has a significant influence on unemployment. Partially, the GRDP gives a significant influence, but inflation and gini ratio do not have a significant influence. GDP, inflation and the Gini ratio together for the last ten years have contributed 81.4% to unemployment in DKI Jakarta, while the remaining 18.6% is influenced by other variables not included in this research model, so for reduce unemployment in DKI Jakarta, programs that are oriented to economic growth, suppressing inflation and decreasing this ratio need to be carried out simultaneously. Keywords: GRDP, inflation, unemployment, DKI Jakarta, GINI ratio  

scholarly journals Pengaruh Fundamental Ekonomi dan Kinerja Keuangan Terhadap Kredit Bermasalah Pada Bank Syariah Di Indonesia

2019 ◽  
Vol 4 (2) ◽  
pp. 126
Author(s):  
Soeharjoto Soekapdjo ◽  
Debbie Aryani Tribudhi ◽  
Lucky Nugroho
Keyword(s):  
Panel Data ◽  
Exchange Rates ◽  
Financial Performance ◽  
Significant Influence ◽  
Purposive Sampling ◽  
Regression Methods ◽  
Economic Fundamentals ◽  
Independent Variable ◽  
Sampling Approach

Purpose of this study is to determine economic fundamentals influence and financial performance on non-performing loans in sharia banks in Indonesia. Used quarterly panel data from 2008-2016, which came from BPS, BI, and OJK. Eleven banks used as a sample, with a purposive sampling approach. Using regression methods, with the dependent variable is NPF, and independent variable for economic fundamentals using exchange rates, inflation, GDP and financial performance with FDR, CAR, OER. Result shown that fundamental economice do not affect the NPF and OER as a financial performance has a positive and significant influence to NPF, CAR has negative and significant influence to NPF, but has no effect to FDR.

scholarly journals Classroom Attentiveness of Children from Home with Inter Parental Violence in Chamwino District, Tanzania

2021 ◽  
Vol 2 (Issue 4) ◽  
pp. 66-74
Author(s):  
Simion Kaminyoge Ambakisye
Keyword(s):  
Teaching And Learning ◽  
Survey Design ◽  
Cross Sectional Survey ◽  
Chi Square ◽  
Cross Sectional ◽  
Parental Violence ◽  
Chi Square Test ◽  
Level Of Significance ◽  
Parental Conflicts ◽  
The Relationship

This study investigated on classroom attentiveness of children from home with inter parental violence in Chamwino, Dodoma, Tanzania. The study employed the cross-sectional survey design whereby 312 out of 652 children from five secondary schools were randomly selected to participate by filling the questionnaire. Chi square test was employed to determine the relationship between violence against mothers and children’s attentiveness at the 0.05 level of significance. The results indicated a significant relationship between parental conflicts and lack of pupils’ adequate concentration in learning. The findings further showed that female children whose mothers are accustomed to violence are more inattentive than male children during the teaching and learning processes. The study recommends that effective intervention strategies such as developing training through psycho education within families, schools and the community be in place.

scholarly journals The Problematic of Disaster Management Law and Policy in Nigeria: A Study of Bayelsa State

2021 ◽  
Vol 3 (1) ◽  
pp. 35-50
Author(s):  
Ogochukwu Harrison Amede ◽  
Kelly Bryan Ovie Ejumudo
Keyword(s):  
Disaster Management ◽  
Significant Relationship ◽  
Survey Design ◽  
Action Plan ◽  
Chi Square ◽  
Oil Companies ◽  
Adequate Funding ◽  
Integrated Policy ◽  
Level Of Significance ◽  
Descriptive Survey

The study examined the problem of disaster management in Nigeria using Bayelsa State as a case study. Four null hypotheses were raised and tested at a 0.05 level of significance. The study adopted the descriptive survey design and sample sizes of 300 adults were drawn from fifteen (15) affected communities in Bayelsa State. The instrument used for data collection was a disaster management questionnaire and the data were analyzed using chi-square. The finding of the study revealed that there is a significant relationship between poor integrated policy and action plan as well as weak institutional capacity and collaboration of disaster management agencies and effectiveness of disaster management in Bayelsa State. The study clearly showed that there is a significant relationship between poor commitment and piece-meal approach by the multi-layered levels of government as well as poor stakeholders’ participation and synergy and effectiveness of disaster management in Bayelsa State. The study recommended among others that long-term monitoring and surveillance mechanism; continuous provision of infrastructure for the host communities by prospecting oil companies; adequate funding by governmental and non-governmental and the development of a national oil spill contingency plan should be adopted and deployed with an eye to guaranteeing sustainable development of the environment in the region.

scholarly journals Mobile Loans as Financing Options in Kenya and the Financial Performance of SMEs in Low Income Areas in Nairobi County

2021 ◽  
Vol 2 (2) ◽  
pp. 97-105
Author(s):  
Margaret Murage
Keyword(s):  
Financial Performance ◽  
Low Income ◽  
Urban Areas ◽  
Survey Design ◽  
Informal Settlements ◽  
Civil Society Organizations ◽  
Living Standards ◽  
Design Data ◽  
Urban Informal Settlements ◽  
Descriptive Survey

This study sets out to examine the effect of loan accessibility on the financial performance of SMEs in urban informal settlements in Kenya. Based on the descriptive survey design, data were collected from 120 SMEs in the 6 wards of Mathare Sub-County using semi-structured questionnaires. It was analysed using descriptive and inferential statistics. The findings show that all the loan accessibility had a significant and positive relationship with the financial performance of SMEs. In this regard, enhancing loan accessibility contributed to the financial performance of SMEs in urban areas. Financial inclusion among SMEs in urban areas was also enhanced through mobile loans. This could go on to enhance living standards among the inhabitants of urban informal settlements as envisaged by world bank. In this regard, several recommendations were made. Mobile loan providers should market their mobile loan products to make them visible since only 4, Safaricom-Fuliza, M-Shwari, Tala, and KCB-Mpesa were the most used. Civil society organizations in collaboration with mobile loan providers should also carry out capacity building campaigns among SMEs in informal settlements. This would lead to enhanced visibility and accessibility of these mobile loans among the inhabitants of urban informal settlements.

scholarly journals Mobile Loan Frequency of Repayment as a Predictor of the Financial Performance of SMEs in Urban Informal Settlements in Kenya

2021 ◽  
Vol 2 (2) ◽  
pp. 97-113
Author(s):  
Margaret Murage
Keyword(s):  
Civil Society ◽  
Financial Performance ◽  
Survey Design ◽  
Informal Settlements ◽  
Civil Society Organizations ◽  
Design Data ◽  
Study Objective ◽  
Urban Informal Settlements ◽  
Descriptive Survey ◽  
Intended Use

This study explored the effect of repayment timelines on the financial performance of SMEs in urban informal settlements in Kenya. This study adopts the descriptive survey design. Data were collected from 120 SMEs in the 6 wards of Mathare Sub-County. Data was collected using semi-structured questionnaires. It was analysed using descriptive and inferential statistics. From the study findings, it is evident that repayment timelines influenced the application for mobile loans. The ability to pay mobile loans without problems due to flexible repayment times also enhanced the performance of the respondents’ businesses. While loans with short repayment periods discouraged the businesses from borrowing due to immense pressure, long repayment periods were preferable since it meant that the stock purchased could be converted to cash. Budgeting could also be made easy due to the certainty of cash flow in long and flexible repayment periods. Lastly, a long repayment period meant that the intended use of the money borrowed could be realized. The study made the following recommendation based on the study objective. In this regard, most of the various mobile loan providers should put in place flexible repayment plans to make their loans appealing. They should also market their mobile loan products to make them visible since only 4, Safaricom-Fuliza, M-Shwari, Tala, and KCB-Mpesa were the most used. Civil society organizations in collaboration with mobile loan providers should also carry out capacity building campaigns among SMEs in informal settlements.

scholarly journals Students’ Perception towards Mathematics and Its Effects on Academic Performance

2020 ◽  
pp. 8-14 ◽  
Author(s):  
John Ekow Hagan ◽  
Solomon Amoaddai ◽  
Vincentia Terkwor Lawer ◽  
Evans Atteh
Keyword(s):  
Academic Performance ◽  
Sample Size ◽  
Survey Design ◽  
Mathematics Performance ◽  
Positive Perception ◽  
Daily Lives ◽  
Main Instrument ◽  
Descriptive Survey ◽  
The Relationship ◽  
Sampling Approach

Aim: The research sought to find out the perception of students towards Mathematics and how it affects their academic attainment in a Ghanaian context. Study Design: Descriptive survey design was used for the study. Methodology: The main instrument used for the study was questionnaire. The sample size for the study comprised of students selected from the three SHSs in Kumasi metropolis using purposive sampling approach. The sample size for the students consisted of 297 students selected by stratified sampling of which 180 were males and 117 were females. Results: The students have positive perception towards mathematics though they see it to be difficult in a sense that it is important as it is used in their daily lives. The relationship between perception and students Mathematics performance in the study was very weak and negatively related. Conclusion: From the study it can be concluded that students’ perception towards mathematics has no influence or effect on their academic performance in Ghanaian senior high schools. It is recommended that students’ positive perception towards Mathematics must be sustained and improved by teachers and headmasters.

scholarly journals INFLUENCE OF DRAMA REHEARSALS IN REGULATING STUDENTS’ BEHAVIOUR AND MANAGEMENT OF DISCIPLINE IN SECONDARY SCHOOLS IN CENTRAL REGION, KENYA

2021 ◽  
Vol 8 (9) ◽  
Author(s):  
Wambugu Pachomius ◽  
Zachary Njagi Ndwiga ◽  
Rebecca Wachira
Keyword(s):  
Secondary School ◽  
Secondary Schools ◽  
Central Region ◽  
Survey Design ◽  
School Administrators ◽  
Target Population ◽  
School Students ◽  
Social Scientists ◽  
Descriptive Survey ◽  
The Relationship

<p>The use of drama rehearsals as a tool for inculcating discipline among students had been investigated by a number of scholars and education practitioners on global, continental and regional levels. However notable that drama rehearsals as a tool for inculcating discipline could be overlooked as a result of its demands, such as time. Therefore, purpose of the study was to determine effectiveness of drama rehearsals as a strategy in the management of discipline in secondary schools in central region, Kenya. The study used descriptive survey design. The target population was 79 deputy principals, 79 drama teachers, and 1888 drama students and non-drama students in secondary school in Central Region, Kenya. Both the census technique and random sampling were used to get a representative sample size of 419 respondents. Data was collected from the respondents using pretested questionnaires and was analyzed using descriptive and inferential statistical techniques with the aid of Statistical Package for Social Scientists (SPSS) and then interpreted. The study found that the relationship between drama rehearsals and management of discipline among secondary school students was significant. The study therefore recommended that there was need to for school administrators to facilitate more drama rehearsals in order to improve the levels of discipline among students. This will improve their communication skills and as a result bring more rapport between the students and administrators.</p><p> </p><p><strong> Article visualizations:</strong></p><p><img src="/-counters-/edu_01/0875/a.php" alt="Hit counter" /></p>

scholarly journals Students’ Perception of Chemistry Teachers’ Characteristics of Interest, Attitude and Subject Mastery in the Teaching of Chemistry in Senior Secondary Schools

2017 ◽  
Vol 1 (1) ◽  
Keyword(s):  
Secondary Schools ◽  
Survey Design ◽  
Sampling Technique ◽  
Test Statistic ◽  
Chemistry Students ◽  
Research Questions ◽  
Senior Secondary Schools ◽  
Level Of Significance ◽  
Senior Secondary ◽  
Descriptive Survey

This research determined students’ perception of teachers’ characteristics of interest, attitude and subject mastery as required in the teaching of chemistry in senior secondary schools in Abakaliki Education Zone of Ebonyi State. The study made use of a descriptive survey design. The population of the study comprised all the chemistry students in all public secondary schools in Abakaliki Education Zone. From a total population of six hundred and thirty (630) senior secondary II students, a sample of three hundred (300) students was used for the study selected by stratified random sampling technique. This was based on the four local government areas in the Education zone. A structured questionnaire in a four point Likert type format was used for data collection. The instrument had a reliability coefficient of 0.88, which showed a high internal consistency. Three research questions and one hypothesis guided the study. Mean and standard deviation were used to answer the research questions while t-test statistic was used to test the lone null hypothesis. Results of the study indicated that students perceived to a high extent; teachers’ interest, attitude towards chemistry and mastery of the subject as necessary characteristics in the teaching of chemistry. The hypothesis tested at 0.05 level of significance was not significant. Based on the results of the study and the educational implications of the results, recommendations were made.

scholarly journals Relationship Between Leadership Styles of Sports Administrators and Orgranisational Development in Ilorin Metropolis, Nigeria

2021 ◽  
Vol 1 (1) ◽  
pp. 11-19
Author(s):  
Issa Yaqub Ajeigbe ◽  
Abdulraheem Yunus Owolabi ◽  
Semiu Alasinrin
Keyword(s):  
Leadership Styles ◽  
Leadership Style ◽  
Rating Scale ◽  
Survey Design ◽  
Organization Performance ◽  
Sports Management ◽  
Effective Performance ◽  
Organization Leadership ◽  
Level Of Significance ◽  
Descriptive Survey

Leadership styles remain very pertinent in the effective performance of an organization. Without good leadership ability to coordinate the staff and the activities in an organization may be hampered thereby affecting the overall development of such organization. Leadership is an important determinant in the effective functioning of an organization. The research employs descriptive survey design of correlation type which is very important as the study tries to find out the relationship between leadership styles of sports administrators and organization performance in Ilorin. Two research questions and three operational hypotheses were formulated for the study. The target populations for the study are 62 sports personnel in the sports council Ilorin which comprised of Director of Sports, Stadium manager, organizing secretaries and coaches of the existing 20 sports in the Kwara State Sports Council. No sample is selected as the researcher made use of all the sports personnel as respondents for the study. Researcher questionnaire designed in a modified four points likert rating scale was used to collect data from the respondents which was validated by a Professor of sports management, Kwara State University, Malete and a season sports administrator, ministry of youth and sports, Abuja and tested for reliability using split half method and Cronbach alpha was used to determine the result with a coefficient of 0.80 obtained. Inferential statistic of multiple regressions was used to test the null hypotheses formulated at 0.05 level of significance. The findings reveal that leadership styles of sports administrators have significant relationship with organization performance, each leadership style has significant contribution to organization performance and all the leadership styles significantly contributed to organization performance. Among the recommendations suggested include: Sports administrators must be able to employ variety of leadership style is the best among others. Keywords: Leadership styles, sports Administrator and organization performance

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