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 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 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 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 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 Rural Electrification and Its Impact on Households’ Welfare

2020 ◽  
Author(s):  
Ajmal Haidari
Keyword(s):  
Regression Models ◽  
Target Population ◽  
Developed Countries ◽  
Hydropower Plant ◽  
Linear Regression Models ◽  
Least Developed Countries ◽  
Small Hydropower ◽  
Remote Areas ◽  
Dependent Variables ◽  
Micro Level

Electricity is the key input for urban and rural development which directly effects households’ welfare in micro-level. Least developed countries policy focus on electrifying rural area through off-grid electricity because of high cost in connecting remote areas to national grid. This research estimates the welfare effects of Shorabak small hydropower in Fayzabad city of Badakhshan province, considering the wellbeing of residences in Taliqan city of Takhar provice that obtained from imported electricity from Tajikistan. The dependent variables of education, saving, health, employment, information and environment used as determinant of welfare in linear regression models. Residences of Fayzabad and Taliqan cities constituted the target population, who interviewed through 400 questionnaire using purposive samplings. For the purpose of analysis, regression models run in SPSS version 25. It was found that full access to electricity in Taliqan city positively changed study hours, saving via cheap per kW fee, decreased illness caused by utilizing wood, fuel for cooking and heating purposes. Furthermore, the level of information increased because of access to media particularly TV. A positive notion seen in keeping environment green by removing wood in households as result of using electricity instead. Generally the findings show, by Shorabak hydropower plant inauguration which is 90% completed the same welfare increase will be felt in Fayzabad city as well.

scholarly journals Rural Electrification and Its Impact on Households’ Welfare

2020 ◽  
Vol 3 (4) ◽  
Author(s):  
Ajmal Haidari ◽  
Keyword(s):  
Regression Models ◽  
Target Population ◽  
Developed Countries ◽  
Hydropower Plant ◽  
Linear Regression Models ◽  
Least Developed Countries ◽  
Small Hydropower ◽  
Remote Areas ◽  
Dependent Variables ◽  
Micro Level

Electricity is the key input for urban and rural development which directly effects households’ welfare in micro-level. Least developed countries policy focus on electrifying rural area through off-grid electricity because of high cost in connecting remote areas to national grid. This research estimates the welfare effects of Shorabak small hydropower in Fayzabad city of Badakhshan province, considering the wellbeing of residences in Taliqan city of Takhar provice that obtained from imported electricity from Tajikistan. The dependent variables of education, saving, health, employment, information and environment used as determinant of welfare in linear regression models. Residences of Fayzabad and Taliqan cities constituted the target population, who interviewed through 400 questionnaire using purposive samplings. For the purpose of analysis, regression models run in SPSS version 25. It was found that full access to electricity in Taliqan city positively changed study hours, saving via cheap per kW fee, decreased illness caused by utilizing wood, fuel for cooking and heating purposes. Furthermore, the level of information increased because of access to media particularly TV. A positive notion seen in keeping environment green by removing wood in households as result of using electricity instead. Generally the findings show, by Shorabak hydropower plant inauguration which is 90% completed the same welfare increase will be felt in Fayzabad city as well.

The social meaning of a merger: The evaluation of an Andalusian Spanish consonant merger (ceceo)

2021 ◽  
pp. 1-30
Author(s):  
Brendan Regan
Keyword(s):  
Linear Regression ◽  
Social Status ◽  
Regression Models ◽  
Language Attitudes ◽  
Spontaneous Speech ◽  
Mixed Effects ◽  
Social Meaning ◽  
Linear Regression Models ◽  
Social Evaluation ◽  
The Social

Abstract This study analyzes the social evaluations of the Andalusian Spanish ceceo merger and its split, distinción. A matched-guise experiment was created by digitally manipulating spontaneous speech from twelve Western Andalusian speakers, varying only in syllable-initial [s̪] and [θ] for <s> and <z,ci,ce>, creating ceceo and distinción guises. Based on 221 listeners from Huelva and Lepe, Spain, mixed effects linear regression models found that speakers with distinción guises were evaluated as being of higher social status, more urban, and more formal than speakers with ceceo guises. Additionally, listeners' comments referred not only to the sounds and graphemes, but also to the merger itself and its social connotations. The implications are two-fold: (i) consonant mergers may be subject to more overt social evaluation than vocalic mergers; and (ii) a merger can acquire social meaning, and this meaning in turn, may promote its split. (Mergers, splits, sociolinguistic perception, language attitudes, Andalusian Spanish, sociophonetics, dialect levelling, ceceo, distinción)*

scholarly journals „Was für mich selbst gut ist, kann meinen Kindern nicht schaden.“ Der Einfluss der elterlichen Freizeitaktivitäten auf die Eltern-Kind-Aktivitäten

2013 ◽  
Vol 25 (3) ◽  
pp. 347-364
Author(s):  
Nicole Biedinger
Keyword(s):  
Home Environment ◽  
Regression Models ◽  
Leisure Activities ◽  
Preschool Education ◽  
Migrant Children ◽  
Linear Regression Models ◽  
Social Differences ◽  
Parent Child Interactions ◽  
The Social ◽  
Educational Careers

Families differ strongly in how they deal with their children. These differences are often attributed to the socio-economic origin of the parents. Numerous studies have shown that the type and the availability of the stimuli in a child’s home environment strongly influence the child’s abilities. But how can the social differences in parent-child interactions be explained? It is argued that parents consciously or unconsciously want to maximize their child-related activities’ utility. This maximization of utility is also visible in parents’ own cultural leisure activities. Thus these should predict the extent of their interactions with their child in the home environment. This utility-theoretical approach is tested by using the data of the project “Preschool education and educational careers among migrant children”. Employing linear regression models, it can be shown that the social differences are related primarily to the cultural leisure behaviour of the parents, rather than to the family’s financial situation. Thus, the parents’ own interests are reflected in their interaction within the home environment, which, in turn, has a direct effect upon their child’s development. Zusammenfassung Familien variieren sehr stark darin, wie sie mit ihren Kindern umgehen. Diese Unterschiede werden oft auf die sozioökonomische Herkunft (SES) der Eltern zurückgeführt. Viele Studien können belegen, dass die Art und der Umfang des häuslichen Anregungsniveaus die Kompetenzentwicklung der Kinder stark beeinflusst. Daher stellt sich die Frage, wodurch die sozialen Unterschiede bei den Eltern-Kind-Interaktionen erklärt werden. Es wird davon ausgegangen, dass Eltern bewusst oder unbewusst im Rahmen von Aktivitäten mit ihrem Kind ihren Nutzen maximieren wollen. Diese Nutzenmaximierung zeigt sich auch in ihren eigenen hochkulturellen Freizeitaktivitäten. Somit sollten die eigenen Freizeitaktivitäten der Eltern den Umfang an häuslichen Interaktionen mit ihrem Kind vorhersagen. Dieser nutzentheoretische Ansatz wird mit den Daten des Projekts „Erwerb von sprachlichen und kulturellen Kompetenzen von Migrantenkindern in der Vorschulzeit“ überprüft. Mit Hilfe von linearen Regressionsmodellen wird gezeigt, dass die sozialen Unterschiede vor allem mit dem hochkulturellen Freizeitverhalten der Eltern zusammenhängen, und nicht von der finanziellen Situation der Familien abhängen. Somit spiegeln sich die eigenen Interessen der Eltern in der häuslichen Interaktion wider, die wiederum direkt die Kompetenzen der Kinder beeinflusst.

scholarly journals Rural Electrification and Its Impact on Households’ Welfare

2020 ◽  
Author(s):  
Ajmal Haidari
Keyword(s):  
Regression Models ◽  
Target Population ◽  
Developed Countries ◽  
Hydropower Plant ◽  
Linear Regression Models ◽  
Least Developed Countries ◽  
Small Hydropower ◽  
Remote Areas ◽  
Dependent Variables ◽  
Micro Level

Electricity is the key input for urban and rural development which directly effects households’ welfare in micro-level. Least developed countries policy focus on electrifying rural area through off-grid electricity because of high cost in connecting remote areas to national grid. This research estimates the welfare effects of Shorabak small hydropower in Fayzabad city of Badakhshan province, considering the wellbeing of residences in Taliqan city of Takhar provice that obtained from imported electricity from Tajikistan. The dependent variables of education, saving, health, employment, information and environment used as determinant of welfare in linear regression models. Residences of Fayzabad and Taliqan cities constituted the target population, who interviewed through 400 questionnaire using purposive samplings. For the purpose of analysis, regression models run in SPSS version 25. It was found that full access to electricity in Taliqan city positively changed study hours, saving via cheap per kW fee, decreased illness caused by utilizing wood, fuel for cooking and heating purposes. Furthermore, the level of information increased because of access to media particularly TV. A positive notion seen in keeping environment green by removing wood in households as result of using electricity instead. Generally the findings show, by Shorabak hydropower plant inauguration which is 90% completed the same welfare increase will be felt in Fayzabad city as well.

scholarly journals Specifics of logit and probit regression in education sciences - why wouldn't we use it?

2020 ◽  
Vol 15 (6) ◽  
pp. 1557-1568
Author(s):  
Sinisa Opic
Keyword(s):  
Social Sciences ◽  
Linear Regression ◽  
Comparative Research ◽  
Regression Models ◽  
Linear Regression Models ◽  
Probit Regression ◽  
Regression Methods ◽  
Logit Regression ◽  
The Social ◽  
Keywords Education

Regression is one of the dominant analysis methods used in the social sciences and educational sciences. There are different regression methods based on the type of research that is being conducted. The probit and logit regression models are regression methods which are being used recently by most researchers. However, their interpretations are not straightfoward and most researchers end up misinterepreting the results from the probit and logit regression models. This research therefore aims to examine the differences between the probit and logit models, in comparison with other linear regression models. Using a comparative research design, this study utilises resources from previous researchers, hence, the study took a form of a literature review. The results of this study is essential to educational and social sciences researchers who make use of the probit, logit and other regression methods. The research also explains why logit and probit should be used in place of other regression models.   Keywords: education sciences; Linear regression; Logit; Probit; Regression

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