scholarly journals EFFECTIVENESS OF CREDIT MANAGEMENT SYSTEM ON LOAN PERFORMANCE OF COMMERCIAL BANKS IN KENYA

2017 ◽  
Vol 2 (1) ◽  
pp. 106
Author(s):  
Michael Njeru ◽  
Dr Shano Mohhamed ◽  
Mr. A Wachira
Keyword(s):  
Interest Rates ◽  
Commercial Banks ◽  
Management System ◽  
Target Population ◽  
Small Data ◽  
Chi Square ◽  
Loan Repayment ◽  
Credit Management ◽  
Degree Of Association ◽  
Self Administered Questionnaire

Purpose: the purpose of this study was to analyze effectiveness of credit management system on loan performance of commercial banks in Kenya.Methodology:Descriptive research design was used. The population comprised of 86 respondents. That is, one credit manager and one credit officer from one branch of each of the 43 commercial banks registered with central bank of Kenya as at this year. A census study was conducted since the target population was small. Data was collected using a self-administered questionnaire through drop and pick later method. The questionnaire was both open and closed ended. Test retest method was used to ensure reliability while piloting was used to check the validly of the research instrument .data was analyzed using to frequencies, percentages and means. Correlation was used to compute the degree of association between variable. The hypothesis was tested using chi square. Data was thereafter presented using table and pie charts. Results:The study established that credit terms has an effect on performance, just like credit appraisal was equally found to be very important in influencing performance of commercial banks. Similarly, a stringent policy was found to have a far greater influence to performance than a libel policy Policy recommendation: It was then recommended the character of the borrower, the current capacity and collateral attached should carry a lot of weight in the appraisal. In addition, credit officer and client should be involved in formulation of credit terms and interest rates on loans reduced since these have an effect on loan repayment hence performance of commercial banks. 

INFLUENCE OF INVENTORY MANAGEMENT ON PERFORMANCE OF THE PRIVATE COMMERCIAL BANKS IN KENYA

2017 ◽  
Vol 1 (3) ◽  
pp. 111
Author(s):  
Samuel Kithae ◽  
Dr. John Achuora
Keyword(s):  
Information Technology ◽  
Inventory Management ◽  
Significant Influence ◽  
Commercial Banks ◽  
Management System ◽  
Management Practices ◽  
Simple Random Sampling ◽  
Target Population ◽  
Regression Coefficients ◽  
Private Institutions

Purpose: The goal of the study was to examine the influence of inventory management on performance of private commercial banks in Kenya, with an aim of making recommendations on proper use of inventory management practices.Methodology: This research study adopted a descriptive research design approach. The researcher preferred this method because it allowed an in-depth study of the subject. The target population was all the 220 procurement officers in the private commercial banks in Kenya. From the three strata, a sample of 142 respondents was selected using simple random sampling. Data was collected using self-administered questionnaires. The data collected was analyzed by use of descriptive and inferential statistics. Multiple regression model was used to show the relationship between the dependent variable and the independent variables.Results: In regard to information technology, the regression coefficients of the study show that it has a significant influence of 0.752 on performance of private commercial banks. Second in regard to warehouse management system, the regression coefficients of the study show that it has a significant influence of 0.156 on performance of private commercial banks.With regard to the third objective, the regression coefficients of the study show inventory cycle counting has a significant influence of 0.06 on performance of private commercial banks. Lastly, in regard to the fourth objective, the regression coefficients of the study show warehousing management system  has a significant influence of 0.02 on performance of private commercial banks.Conclusion: The findings of the study concluded that information technology, inventory control techniques, inventory cycle counting and warehousing management system have a positive relationship with performance in private commercial banks.Policy recommendation: the study recommended that private institutions should embrace inventory management practices so as to improve their performance and further researches should to be carried out in other private institutions to find out if the same results can be obtained.

scholarly journals Role of Innovation Capability on firm performance in the context of Commercial Banks in Nairobi City County, Kenya

2020 ◽  
Vol 2 (3) ◽  
pp. 14-23
Author(s):  
Makena Mugambi ◽  
Godfrey M Kinyua
Keyword(s):  
Organizational Performance ◽  
Commercial Banks ◽  
Dynamic Capabilities ◽  
Technological Development ◽  
Target Population ◽  
Innovation Capability ◽  
Resource Based View ◽  
Descriptive Research ◽  
Self Administered Questionnaire

The Kenyan banking industry is characterized by increased environmental dynamism brought about by rapid technological development, customer sophistication and regulations. The achievement and sustenance of competitive advantage is important as any organization that does not gain and sustain this may not survive. In order for an organization to remain relevant, it must be able to leverage on innovation capability for effective adaptation to changes in the environment. This study therefore sought to assess the influence of innovation capability on performance of Commercial Banks in Nairobi City County, Kenya.The study was anchored on dynamic capabilities theory and resource-based view, Resource. Descriptive research design was used for this study. The target population was Commercial Banks in Nairobi City County. The unit of analysis was the commercial banks while the unit of observation was management. Data was gathered using self-administered questionnaire then analyzed using Statistical Package for Social Sciences (SPSS Version 25.0) software. Descriptive statistics such as frequencies, percentages and mean and inferential statistics such as correlation coefficient was used to analyze quantitative data. Charts, tables and graphs will be used to present the data. The study established that innovations capability positively and significantly affects performance. The study revealed that innovation capability is an important requirement for the effective management of inventions and creativity and the introduction of transformative technologies. The study recommends that in an era of faster competition and digitization, commercial banks in Nairobi City County, Kenya must increase their innovation capability. New innovations easily adopted in organizations enables banks to adjust to meet new customer needs and market changes. Innovation also enables creation of new products and services from time to time .Innovation capability of an organization affects organizational performance as it determines organization’s productivity and effectiveness.

scholarly journals Budgeting practices and absorption rate of devolved funds by County Government of Nyeri

2021 ◽  
Vol 11 (3) ◽  
pp. 146-151
Author(s):  
Rhoda Kawira Ngai ◽  
Antony Kimathi ◽  
Moses Kithinji
Keyword(s):  
Social Sciences ◽  
Absorption Rate ◽  
Survey Design ◽  
Target Population ◽  
Economic Planning ◽  
County Government ◽  
Chi Square ◽  
Senior Officers ◽  
Descriptive Survey ◽  
Self Administered Questionnaire

Absorption rate is a vital tool in determining the efficiency and general performance of the counties as regards utilization of the intended funds. A majority of counties absorbed less than 50 percent of their budgets in the first nine months of the 2018-2019 financial year. Nyeri County had a development absorption rate of only 21.1%. This study therefore sought to establish the influence of budgeting practices on absorption rate of devolved funds by county government of Nyeri. This study used descriptive survey design. The target population for this study comprised 34 senior officers in the department of finance and economic planning in Nyeri County. A census of all 34 senior officers in the department of finance and economic planning was conducted. A self-administered questionnaire was used to collect data. Descriptive statistics such as frequencies, percentages, mean and standard deviation was used to describe the results in the study. Chi-square tests were used to find the relationships with the help of statistical package for social sciences. The findings show that the county government of Nyeri had good budgeting practices. There was a significant relationship (χ2= 44.316, df=21, p=0.02) between budgeting practices and absorption rate of devolved funds by county government of Nyeri. The study concludes that budgeting practices influence absorption rate of devolved funds by county government of Nyeri. The study therefore recommends that the county government ought to pass budgets in conformity with the cash disbursement schedules.

scholarly journals Credit Management Practices, Loan Repayment Management and Profitability Of Commercial Banks’ Branches In Uganda.

2021 ◽  
Author(s):  
◽  
Anthony Elemu
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Positive Relationship ◽  
Management Practices ◽  
Mediating Effect ◽  
Loan Repayment ◽  
Credit Management ◽  
Bank Branches ◽  
The Impact ◽  
The Relationship

Background: The study examined the relationship between credit management practices, loan repayment management and profitability of commercial banks branches in Uganda. The objectives included; to establish the relationship between credit management practices and profitability; relationship between loan repayment management and profitability; mediating effect of loan repayment management on credit management practices and profitability; and examine the impact of credit management practices and loan repayment management on profitability. Methodology: The study was a cross- sectional research and applied a quantitative approach. A sample of 234 commercial bank branches was used from a total of 573. The study obtained responses from 166 branches. Primary data was obtained from a branch manager and credit supervisor using a structured questionnaire. Validity of the questionnaire was obtained using CVI and reliability using Cronbach Alpha Coefficient. Data was analyzed using SPSS v.20 to obtain descriptive statistics, correlation and regression analyzes to present results. A Med-graph was used to test the mediation of loan repayment management. Results: This study ascertained a positive relationship between credit management practices and profitability; and positive relationship between loan repayment management and profitability. The study further ascertained a partial mediation of loan repayment management in the relationship between credit management practices and profitability. Furthermore, the study revealed that jointly credit management practices and loan repayment management predict profitability of commercial bank branches. More so, the study established that the best predictor of profitability is loan repayment management. This study ascertained a positive relationship between credit management practices and profitability; and positive relationship between loan repayment management and profitability. Conclusion: The study concludes that credit management practices and loan repayment management are among the critical factors influencing profitability at the commercial bank branch level.

scholarly journals Agricultural Financial Ratios, Discriminant Analysis, and Prediction of Corporate Bankruptcy in the Community Banking System in Nigeria

1996 ◽  
Vol 21 (3) ◽  
pp. 37-48
Author(s):  
C J Arene
Keyword(s):  
Discriminant Analysis ◽  
Management System ◽  
Banking System ◽  
Financial Ratios ◽  
Corporate Bankruptcy ◽  
Agricultural Credit ◽  
Loan Repayment ◽  
Credit Management ◽  
Financial Position ◽  
Community Banking

The Community Banking Scheme was started in Nigeria with the hope that much of the existing credit-related problems would be solved. This study evaluates the agricultural credit management system of the Community Banking Scheme with the focus on the financial position and the loan repayment problems of the farmers.

Oscillation between identities and Subjective psychological health objectives among an informed audience in therapeutic patient education

2018 ◽  
Vol 10 (1) ◽  
pp. 10202
Author(s):  
Sandrine Roussel ◽  
Alain Deccache ◽  
Mariane Frenay
Keyword(s):  
Patient Education ◽  
Psychological Health ◽  
Healthcare Professionals ◽  
Cross Sectional Survey ◽  
Chi Square ◽  
Cross Sectional ◽  
Therapeutic Patient Education ◽  
French Speaking ◽  
Health Objectives ◽  
Self Administered Questionnaire

Introduction: The implementation of Therapeutic Patient Education (TPE) remains a challenge. An exploratory study highlighted two tendencies among practitioners of TPE, which could hamper this implementation: an oscillation between identities (as caregivers versus as educators) and an inclination towards subjective psychological health objectives. Objectives: To verify whether these tendencies can be observed among an informed audience in TPE. Next, to explore the variables associated with one or other of these tendencies. Method: A quantitative cross-sectional survey by a self-administered questionnaire was carried out among 90 French-speaking healthcare professionals. Statistical analyses (chi-square, logistic regression) were then conducted. Results: Sixty percent of respondents displayed identity oscillation, which was found to be linked to task oscillation, patient curability, scepticism towards medicine and practising in France. Fifty-six percent pursued subjective psychological health objectives, which was found to be associated with health behaviour objectives and a locus of power in the healthcare relationship distinct from those seen in the pre-existing health models (biomedical, global). This tendency seems to constitute an alternative model of TPE. Discussion & conclusion: Identity oscillation and subjective psychological health objectives can be both observed. This study stresses the need to deliberate on the form(s) of TPE that is/are desired.

scholarly journals Assessing Knowledge and Perception Regarding Antimicrobial Stewardship and Antimicrobial Resistance in University Students of Pakistan: Findings and Implications

Antibiotics ◽  
2021 ◽  
Vol 10 (7) ◽  
pp. 866
Author(s):  
Iltaf Hussain ◽  
Nisa Yousaf ◽  
Sana Haider ◽  
Pervisha Jalil ◽  
Muhammad Usman Saleem ◽  
...  
Keyword(s):  
Antimicrobial Resistance ◽  
University Students ◽  
Antimicrobial Stewardship ◽  
Antibiotic Use ◽  
Cross Sectional Study ◽  
Dosing Regimen ◽  
Student Knowledge ◽  
Chi Square ◽  
Cross Sectional ◽  
Self Administered Questionnaire

The irrational use of antimicrobials has enormously contributed to antimicrobial resistance (AMR) globally and especially in the developing world. To assess the knowledge and perception regarding AMR and antimicrobial stewardship (AMS), a descriptive cross-sectional study was carried out in university students enrolled in pharmacy, veterinary, and biology programs by using an online self-administered questionnaire. The Chi-square and Fisher exact tests (where applicable) were performed to assess the association of the demographics with the students’ knowledge and perception regarding AMR and AMS. A total of 496 students completed the questionnaire, among which, 85.7% of the participants were familiar with the term AMR and 79.4% of the participants correctly identified a poorly designed dosing regimen as a contributing factor towards AMR. The majority of participants (57.9%) were familiar with the term AMS and 86.5% were aware of the aim of AMS. The participants showed good knowledge regarding AMR and AMS, but to further improve student knowledge and perception of AMS and AMR, it is suggested that dedicated modules on antibiotic use and AMS should be incorporated into the curricula of these undergraduate and postgraduate programs.

Can employment in a café change Clientele Attitude towards the staff when they are Persons with Mental Illness?

2021 ◽  
pp. 002076402199006
Author(s):  
Sailaxmi - Gandhi ◽  
Sangeetha Jayaraman ◽  
Thanapal Sivakumar ◽  
Annie P John ◽  
Anoop Joseph ◽  
...  
Keyword(s):  
Health Care ◽  
Mental Illness ◽  
Mentally Ill ◽  
Health Care Professionals ◽  
Negative Attitude ◽  
Chi Square ◽  
Community Needs ◽  
Descriptive Research ◽  
Study Results ◽  
Self Administered Questionnaire

Background: Clientele’s attitude toward Persons with Mental Illness (PwMI) changes over a period of time. The aim of this study was to explore and understand how and whether perception about PwMI changes when they are seen working like persons without mental illness among those availing services of ROSes café at NIMHANS, Bengaluru. Methods: The descriptive research design was adopted with purposive sampling. Community Attitude toward Mentally Ill (CAMI) a self -administered questionnaire of was administered to measure the clientele attitude towards staff with mental illness in ROSes Café (Recovery Oriented Services). A total of 256 subjects availing services from the ROSes café recruited in the study. Chi-square and Mann–Whitney U test was computed to see the association and differences on selected variables. Results: The present study results showed that subjects had a positive attitude seen in health care professionals in the domains of benevolence (BE) (28.68 ± 3.00) and community mental health ideology (CMHI) (31.53 ± 3.19), whereas non-health care professionals had showed negative attitude in the domain of authoritarianism (AU) (30.54 ± 3.42) and social restrictiveness (SR) (30.18 ± 3.05). Education, employment, marital, income, and working status were significantly associated with CAMI domains. Conclusion: PwMI also can work like people without mental illness when the opportunities are provided. The community needs to regard mental illness in the same manner as chronic physical illness diabetes mellitus and allow PwMI to live a life of dignity by creating and offering opportunities to earn livelihood which would help them recover with their illnesses.

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