INFLUENCE OF COMMERCIAL BANKS’ COLLATERALS LENDING STRATEGY ON THE GROWTH OF SMES IN KENYA

2017 ◽  
Vol 2 (1) ◽  
pp. 47
Author(s):  
Dr. Jane Karambu Kathuku ◽  
Dr. Patrick Karanja Ngugi ◽  
Dr. Willy Mwangi Muturi
Keyword(s):  
Social Sciences ◽  
Sample Size ◽  
Small Businesses ◽  
Commercial Banks ◽  
Qualitative Data ◽  
Computer Software ◽  
Descriptive Statistics ◽  
Unique Contribution ◽  
Inferential Statistics ◽  
Frequency Distributions

Purpose: The purpose of the study was to establish the influence of commercial banks’ collaterals lending strategy on the growth of SMEs in Kenya.Methodology: The researcher used purposive sampling to select respondents. The sample size was comprised of 352 respondents. The study used questionnaires to collect data from the field. Both quantitative and qualitative data gathered was coded and analyzed using Statistical Package for Social Sciences (SPSS) computer software. Descriptive statistics was used to analyze the data in frequency distributions and percentages which were presented in tables and figures. Inferential statistics were used to analyze qualitative data.Results: The study found out that commercial banks’ collateral have a negative and significant effect on SMEs growth. (r=-0.96, p=0.000).Unique Contribution to Theory, Practice and Policy: The study also recommended that commercial banks to flex terms and conditions for credits for the SMEs. The study found out that an increase in collateral and covenants leads to a decline in performance of SMEs.  Therefore, commercial banks need to make credit terms to be friendly to the creditors in this case the SMEs owners. Small businesses often have difficulty in providing sufficient and good-quality collateral to banks. The banks should typically agree to accept collateral in any term and also should be more inclined to accept the balance of a checking account, finished commodity, guarantees of another company or a bank and securities as collateral.

scholarly journals THE INFLUENCE OF COMMERCIAL BANKS’ TECHNOLOGICAL INNOVATION LENDING STRATEGY ON THE GROWTH OF SMES IN KENYA

2017 ◽  
Vol 2 (1) ◽  
pp. 35
Author(s):  
Dr. Jane Karambu Kathuku ◽  
Dr. Patrick Karanja Ngugi ◽  
Dr. Willy Mwangi Muturi
Keyword(s):  
Social Sciences ◽  
Technological Innovation ◽  
Commercial Banks ◽  
Qualitative Data ◽  
Computer Software ◽  
Descriptive Statistics ◽  
Unique Contribution ◽  
Frequency Distributions ◽  
Technology And Innovation ◽  
Innovation Strategies

Purpose: The purpose of the study was to establish the influence of commercial banks’ technological innovation lending strategy on the growth of MSEs in Kenya.Methodology: The researcher used purposive sampling to select respondents. The sample size was comprised of 352 respondents. The study used questionnaires to collect data from the field. Both quantitative and qualitative data gathered was coded and analyzed using Statistical Package for Social Sciences (SPSS) computer software. Descriptive statistics was used to analyze the data in frequency distributions and percentages which were presented in tables and figures. Inferential statistics were used to analyze qualitative data.Results: The study found out that commercial banks’ technology and innovation have a positive and significant effect on MSEs growth (r=0.505, p=0.023).Unique Contribution to Theory, Practice and Policy: The study also recommended that commercial banks need to adopt technological innovation strategies so as reach more MSEs in terms of credit and thus enhancing its  growth.

INFLUENCE OF COMMERCIAL BANKS’ CAPACITY BUILDING LENDING STRATEGY ON GROWTH OF MSES IN KENYA

2017 ◽  
Vol 2 (1) ◽  
pp. 20
Author(s):  
Dr. Jane Karambu Kathuku ◽  
Dr. Patrick Karanja Ngugi ◽  
Dr. Willy Mwangi Muturi
Keyword(s):  
Capacity Building ◽  
Commercial Banks ◽  
Qualitative Data ◽  
Computer Software ◽  
Unique Contribution ◽  
Frequency Distributions ◽  
Entrepreneurial Skills ◽  
Account Managers ◽  
Training Programmes ◽  
Selection Of

Purpose: The purpose of the study was to establish the influence of commercial banks’ capacity building lending strategy on the growth of SMEs in Kenya.Methodology: The researcher used purposive sampling to select respondents. The sample size was comprised of 352 respondents. The study used questionnaires to collect data from the field. Both quantitative and qualitative data gathered was coded and analyzed using Statistical Package for Social Sciences (SPSS) computer software. Descriptive statistics was used to analyze the data in frequency distributions and percentages which were presented in tables and figures. Inferential statistics were used to analyze qualitative data.Results: The study found out that commercial banks’ capacity building have a positive and significant effect on MSEs growth. (r=0.656, p=0.001).Unique Contribution to Theory, Practice and Policy: The study recommends for commercial banks to train their employees on how to handle clientele needs. Commercial banks need to embark on major training programmes and address their efforts to professionalize SME account managers. In fact, bank staffs dealing with SMEs need a sound knowledge of entrepreneurs and their businesses in order to develop an affinity with their clients and offer them solutions adapted to their needs. The actions which banks need to take include a better selection of new account managers for SMEs. They need to look for candidates with an adequate background and experience in small business or with entrepreneurial skills, who can be flexible and sensitive to SMEs issues.

scholarly journals The Influence of Headteachers’ Motivation Practices on Girls’ Access to Public Primary Education in Garissa Sub-county, Garissa County, Kenya

2020 ◽  
Vol 8 (4) ◽  
pp. 494-502
Author(s):  
Garat Hassan Osman ◽  
Dr. Benson Njoroge ◽  
Dr. Reuben Kenei
Keyword(s):  
Social Sciences ◽  
Primary Education ◽  
Qualitative Data ◽  
Management Practices ◽  
Descriptive Statistics ◽  
Child Rights ◽  
Descriptive Research ◽  
Free Primary Education ◽  
School Supervision ◽  
Narrative Forms

Introduction of Free Primary Education has increased demand for primary education. However, the number of girls’ accessing primary education is still below expectations with the ratio of boys to girls being 5:2 in Garissa Sub-County. The purpose of this study was to assess the influence of headteachers’ motivation practices on girls’ access to primary education in Garissa Sub-County, Garissa County, Kenya. The study was guided by the Management Practices and Pearson’s Gender Relations Theories. The study adopted mixed methodology and descriptive research design. Qualitative data were analyzed thematically along the objectives and presented in narrative forms. Quantitative data were analyzed using descriptive statistics such as frequencies, percentages, mean and standard deviation and inferentially using Pearson’s Product Moment Correlation with the help of Statistical Package for Social Sciences (SPSS Version 23) and presented using tables. The study established that headteachers’ motivation practices influence girls’ access to public primary education. Thus, the study recommends that headteachers need to change their approaches of motivating girls to enroll in schools. School supervision by the headteacher and the Directorate of Quality Assurance and Standards should be enhanced for monitoring to give proper guidance to the headteachers on the need to implement child rights education in their schools.

scholarly journals POLITICAL COMMUNICATION: POLITICAL RALLY MESSAGES EFFECT ON ETHNIC INTOLERANCE AND CONFLICT AMONG VOTERS IN MIGORI COUNTY, KENYA

2021 ◽  
Vol 6 (3) ◽  
pp. 42-68
Author(s):  
John Wandaga ◽  
Hellen Mberia
Keyword(s):  
Political Communication ◽  
Significant Relationship ◽  
Quantitative Data ◽  
Qualitative Data ◽  
Sampling Method ◽  
Computer Software ◽  
Unique Contribution ◽  
Group Discussions ◽  
Radio Stations ◽  
Descriptive Research

Purpose: The purpose of this study was to establish political rally messages effect on ethnic intolerance and conflict among voters in Migori County, Kenya. Materials and Methods: Descriptive research design was adopted. The study targeted a population of 388, 633 respondents made of voters from Migori County. A sample of 400 respondents was used. The sample for quantitative data was obtained using stratified random sampling method and the other section of the sample; media practitoners were non-randomly sampled. The sample for qualitative data was collected through FGDs on a purposefully selected sample. The data collection was conducted through administering of questionnaires and also Focus Group Discussions (FGDs) using a structured and pilot-tested questionnaires. Data was collected using questionnaires and FGDs. Quantitative data was analyzed using Statistical Package for Social Sciences computer software package (SPSS statistics version 22). Descriptive statistics drawn include mean, and standard deviation which were presented in tables and graphs. Inferential statistics drawn include multiple regression and correlation analysis. Results:  The findings revealed that there was a positive and significant relationship between propaganda, stereotype, hate messages and vernacular radio stations to ethnic intolerance and conflict among voters in Migori County, Kenya. Based on the findings, it was concluded that, there is a positive and significant relationship between political rally messages and vernacular radio stations used in this study, and ethnic intolerance and conflict among voters in Migori County, Kenya. Unique contribution to theory, practice and policy: The study recommends to government agencies such as NCIC and Media Council of Kenya and the IEBC to consider taking measures against these political rally messages as one way to reduce ethnic intolerance and conflict among voters in Migori County, Kenya.

scholarly journals Level of Job Satisfaction among Registered Nurses Working in Clinical Area at DHQ Teaching Hospital, Dera Ghazi Khan

2021 ◽  
Vol 2 (1) ◽  
pp. 1-5
Author(s):  
Rabia Noureen Malik Gorah ◽  
Madiha Mukhtar
Keyword(s):  
Social Sciences ◽  
Job Satisfaction ◽  
Registered Nurses ◽  
Sample Size ◽  
Teaching Hospital ◽  
Sampling Technique ◽  
Descriptive Statistics ◽  
Clinical Area ◽  
Cross Sectional ◽  
Descriptive Survey

To assess the level of job satisfaction among registered nurses working in clinical area at Teaching Hospital Dera Ghazi Khan. Method: A cross sectional descriptive survey was used to assess the level of job satisfaction among registered nurses. Random sampling technique was used to collect the data. Sample size consists of 102 registered nurses, out of 121, working in clinical area at DHQ Teaching Hospital Dera Ghazi Khan. I developed one Likert scale with consisted 30 questions to measure the Level of Job satisfaction among registered Nurses. Computer analysis was done with statistical package for social sciences (SPSS) version 18. Descriptive statistics were taken out depending on the type of variable under study. Result: Study included 102 registered nurses to assess the level of job satisfaction. Results showed that from 102 respondents, 18 (17,65% answers in strongly satisfied category,45 (44.12% answers in satisfied category, 25 (24.51%) answers in neutral category, 08 (7.83%) answers in dissatisfied category and 06 (5.89%) answers in strongly dissatisfied category. It is evident that the corresponding falls in the category of strongly satisfied and satisfied 61.77%, which is comparatively greater than remaining categories. Furthermore, it is also submitted that the frequency of such outcome decreases vertically indicating that the scale is adjusted for convince, otherwise it can be integrated to 70% to 80%, it means that overall sample size is ranging strongly valid the result. Discussion: Nurses are not fully satisfied with their work. When the workload of Nurses increase then the level of Job satisfaction decreases because both are against each other.

scholarly journals INFLUENCE OF CORPORATE GOVERNANCE ON THE LEVEL OF COMPLIANCE TO PROJECT INTERNAL CONTROLS IN UNDP FUNDED PROJECTS

2017 ◽  
Vol 1 (1) ◽  
pp. 32-43
Author(s):  
Jackson Mukiri
Keyword(s):  
Social Sciences ◽  
Corporate Governance ◽  
Qualitative Data ◽  
Computer Software ◽  
Internal Controls ◽  
Governance System ◽  
Interview Schedule ◽  
Statistical Tool ◽  
Quantitative Data Analysis ◽  
The Relationship

Purpose: The purpose of this study was to determine the influence of corporate governance on the level of compliance to project internal controls in UNDP funded projectsMethodology: The study adopted a correlation survey research design. A questionnaire and an interview schedule were the main data collection tools. The preferred statistical tool for quantitative data analysis was Statistical Package for Social Sciences (SPSS) computer software. Qualitative data was analysed using content analysis. The study utilized descriptive and regression analysis to determine the relationship between factors contributing to adherence of internal controls and mechanisms and level of compliance to project internal controls in UNDP funded projects. The population of this study was all the 28 UNDP-Kenya staffsResults: The study findings indicated that the UNDP maintains proper governance system which in turn boosts her adherence to her Project Internal Controls mechanisms.Policy recommendation: The study recommended that Corporate Governance should also be keenly observed while managing NGOs

scholarly journals EFFECT OF RISK IDENTIFICATION ON PERFORMANCE OF FINANCIAL INSTITUTIONS

2017 ◽  
Vol 2 (1) ◽  
pp. 75
Author(s):  
Fredrick Kiprop Lagat ◽  
Dr. Joel Tenai
Keyword(s):  
Sample Size ◽  
Research Design ◽  
Financial Institutions ◽  
Random Sampling ◽  
Commercial Banks ◽  
Target Population ◽  
Risk Identification ◽  
Descriptive Statistics ◽  
Stratified Random Sampling ◽  
Identification Practices

Purpose: The purpose of the study was to determine the effect of risk identification on performance of financial institutions.Methodology: The study used explanatory research design. The study used stratified random sampling to select respondents from target population comprising of managers of 46 commercial banks, 52 Micro Finance institutions (MFIs) and 200 SACCOs and a sample size of 239 respondents obtained. Data was collected using questionnaires. Descriptive statistics was presented, while inferential statistics was done using Pearson product moment correlation.Results: From the model results, the risk identification (β=0.026) was not significantly related to financial performance.Unique contribution to theory, practice and policy: The study recommends regulators to consider and appropriately legislate risk identification practices to enhance performance of financial institutions. 

scholarly journals The Case of Construction Industr An Evaluation of the Lending Model of Commercial Banks in South Africa: The Case of Construction Industry

2020 ◽  
Vol 7 (3) ◽  
pp. 403-415
Author(s):  
Lindy Yolande Mtsweni ◽  
Philip Serumaga-Zake ◽  
Jan Kruger
Keyword(s):  
South Africa ◽  
Interest Rates ◽  
Construction Industry ◽  
Small Businesses ◽  
Commercial Banks ◽  
Qualitative Data ◽  
Lending Policy ◽  
Multiple Case

The purpose of this study was to evaluate the commercial banks’ lending model for small businesses in South Africa. The multiple case study design and purposive sampling were used to select six small businesses from a bank’s database for the study. The qualitative data was categorised and analysed thematically. It was found that the lending criteria are based on the bank and client’s long-term relationship, client’s background, character, collateral, capital, capacity and affordability, that the lending model is helping to grow small businesses in the country. The commercial banks’ lending policy should allow flexibility, among others, in terms of the minimum deposits and interest rates charged.  

scholarly journals An Investigation of Teachers’ Perceptions of the Implementation of the Big Results Now Initiative in Tanzanian Education Sector

2015 ◽  
Vol 7 (2) ◽  
pp. 176
Author(s):  
Sotco Claudius Komba ◽  
Joyce Nimrod Sigala
Keyword(s):  
Social Sciences ◽  
Focus Group ◽  
Quantitative Data ◽  
Qualitative Data ◽  
Computer Software ◽  
Education Sector ◽  
Successful Implementation ◽  
Focus Group Discussions ◽  
Group Discussions ◽  
Teachers Perceptions

<p>This study was conducted in order to investigate teachers’ perceptions of the implementation of<br />the Big Results Now (BRN) initiative in Tanzanian education sector. The specific objectives of<br />the study were to examine teachers’ perceptions of the implementation of the BRN initiative in<br />Tanzanian education sector and recommend ways for improving the implementation of the<br />initiative. The study involved 120 teachers from six government secondary schools in Njombe<br />Region, one of the regions of Tanzania. The data were collected using a set of questionnaire<br />and focus group discussions. The quantitative data were analyzed using computer software,<br />Statistical Package for Social Sciences, version 18, in which frequencies and percentages of<br />responses on teachers’ perceptions of the implementation of the BRN initiative in Tanzanian<br />education sector were computed. In addition, the qualitative data were analysed using content<br />analysis. The findings indicated that there was lack of understanding of the objectives of the<br />BRN initiative in Tanzanian education sector among the majority of teachers. Moreover, the<br />teachers were not involved in the plans to implement the BRN initiative and conditions in<br />schools were not supportive for the successful implementation of the initiative. On the ways to<br />improve the implementation of the BRN initiative in Tanzanian education sector, teachers<br />recommended, among others, that they should be educated on the objectives of implementing<br />the initiative as they are the cornerstone in making the initiative a success.</p>

scholarly journals EFFECTS OF BLOCKCHAIN TECHNOLOGY ON PERFORMANCE OF FINANCIAL MARKETS IN KENYA

2021 ◽  
Vol 6 (1) ◽  
pp. 1-15
Author(s):  
Sarah Aketch ◽  
Felix Mwambia ◽  
Bernard Baimwera
Keyword(s):  
Risk Analysis ◽  
Financial Markets ◽  
Technology Acceptance ◽  
Sample Size ◽  
Commercial Banks ◽  
Target Population ◽  
Unique Contribution ◽  
Blockchain Technology ◽  
The Government ◽  
Money Transfers

Purpose: The study sought to establish the effects of blockchain technology on the performance of financial markets in Kenya. Methodology: The study adopted an explanatory research design. The study target population was drawn from the commercial banks located in Nairobi County, Kenya. The study targeted 84 bank managers in the IT and finance department of the 42 commercial banks in Kenya. Thus the target population of the study was 84 financial market managers selected. The study population was grouped into simple identifiable group called strata and adopted a stratified simple random sampling technique with inclusion of commercial banks. A sample size of a sample size of 50 respondents was arrived at. Data was collected using a structured questionnaire. The data collected was cleaned and coded, quantified and analyzed quantitatively. Quantitative data were analyzed using SPSS 24 where descriptive and inferential statistics were used to capture the data in order to understand the pattern and nature of relationships. Results were presented using tables. Findings: The study findings showed that the correlation analysis showed that the adoption of blockchain technology had a positive and significant correlation to government policy R = 0.240. Adoption of blockchain technology had a positive and significant correlation to internet infrastructure by R = 0.293. Adoption of blockchain technology had a positive and significant correlation to transaction cost at R = 0.583. Lastly, adoption of blockchain technology had a positive and significant correlation to risk analysis at R = 0.507. Unique contribution to theory, practice and policy: The study recommended that there should be policy review on issues relating to risk analysis so as to curb illegal money transfers and enhance performance of financial markets in Kenya. The study recommends for a thorough scrutiny by the government and ensures such issues are keenly analyzed to help bring peace and stability in the world. The aspect of having good internet connectivity is beneficial to the nation in that access to proper information will be available and it enables many users to have wide access to services as well as creation of employment. There is need to conduct a study on stability of blockchain technologies use and their impact to the economic growth. The study incorporated Technology Acceptance Model and Innovation Diffusion Theory to link the study topic to the concepts

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