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  Efficient debt management determines the cash flow and the success of the day-to-day operations of the business. Poor credit management leads to late payment to creditors and other stakeholders in the supply chain. This study focused on the determinants of micro credit performane in kenya. The objective of this study was to establish... Continue Reading

As of December 2017, the Kenyan banking sector registered a decline in performance with the subdued economic activities. The industry reported a decrease in profit after tax by 9.6 % during the year 2017. A decline in asset quality was reported, with the NPLs ratio increasing to 12.3 % in December 2017 from 9.3 % in December 2016. The... Continue Reading

 ABSTRACT Inappropriate credit policies, as well as inadequate, limited institutional capacity by Kenya's financial sector, led to several of the banking institutions collapsing over what was termed as poor management of credit risks which resulted to increased amounts of loans that were not being serviced. The main aim of the research project... Continue Reading

Human resources are the source of achieving competitive advantage because of its capability to convert the other resources (money, machine, methods and material) in to output (product/service). The competitor can imitate other resources like technology and capital but the human resource are unique. People are one of the most important... Continue Reading

Foreign direct investment (FDI) is an essential part of any economic system and it is an incentive that allows economies to grow. However the positive results of FDI are not accessed by all countries, communities or sectors. The performance of commercial banks in Kenya has been found wanting for the last five years with some banks... Continue Reading

The trading with derivatives has developed over a long period of time though the greatest impact has been felt over the last three decades. Derivatives markets have changed overtime from trading with the simple contracts to very advanced and exotic instruments. Though Kenya has been lagging behind in the derivative markets development, a... Continue Reading

  Technological changes and innovation in any economy play a pivotal role in reducing operational expenses and increasing total factor productivity. The Kenyan banking sector is characterized by operational inefficiency in the factors of production as evidenced by high operational expenses. The inefficiency in the factors of production... Continue Reading

The non-performing loans ratio among Kenyan lenders rose to a 10-year high in the third quarter of the year 2018 as commercial banks struggled with loan defaults in a tough economic environment. The rise has mainly been driven by business borrowers and has affected largely banks in tier 2 and 3, a research report by Standard Investment... Continue Reading

Resources are scarce. Public and private entities must ensure that available resources are allocated efficiently and utilized for the intended purposes in order to achieve strategic objectives. In Kenya, the principles of public finance are enshrined both in the constitutions and various legislations, the most important of which is the... Continue Reading

Financial performance of insurance companies has been declining due the decrease in profitability as a result of the rise in competition, changes in technology, deregulation and as well as globalization. The collaboration between insurance companies and financial institutions to distribute or cross-sell insurance products, through... Continue Reading

Most SOEs are faced with a challenge of poor financial management as reflected in misuse of financial resources and inefficiencies in internal control systems. At the same time, most state-owned enterprises (SOEs) have consistently been making losses and some of the reasons cited are lack of sound financial management, poor reporting and... Continue Reading

The performance of commercial banks in Kenya has been declining in the recent years evidenced by decline in return on assets and return on equity from 3.99 percent and 24.7 percent in 2016 to 3.5 percent and 22.5 percent in 2018. This trend indicates a challenge in the entire banking industry regarding profitability. Agency banking was... Continue Reading

The purpose of this study was to establish impact of compliance review audits on financial performance of donor funded organizations in Nyeri County, Kenya. Donor funded organizations are supposed to conform to grant and loan conditions established by donor organizations and communities. One shortfall that has greatly affected the... Continue Reading

Group based lending has been synonymous with most borrowers of the lower economic end in the developing world and this is no exemption to borrowers in Kenya. For a long time low income earners had been left out and were previously unbanked. The microfinance model through group lending has ensured inclusion of these players to the economy.... Continue Reading

Kenya is seeking to meet the Sustainable Development Goals-2030 agenda. The serious challenge to this course remains the soaring debt obligations, capturing a significant portion of the national budget. Kenya has been borrowing externally at higher rates and continually expanding the debt ceiling. The government will therefore in future... Continue Reading

Information technology has changed the traditional ways of doing business to a digital and  electronic way that has led to globalization. The banking industry has been forced by the wave of electronic payment system in the business environment to change from its traditional ways such  as: long queues as customers waited to be served, delay in... Continue Reading

Current account is one of the components in the Balance of Payment of a country. It covers all the transactions that involve the real sources (goods, services, income).It comprises the international balances of transactions in trade of goods and services, factor income and current transfers. Current account balance is significant because it is key... Continue Reading

Since independence, oil imports in Kenya have been rising mainly to sustain the nascent transport, manufacturing, energy, agriculture and maritime sectors among other uses in the country. The growth in the country’s oil import bill has however been closely related to public spending in the health and education sectors which experienced shocks... Continue Reading

The effect of nutrition education programme on food related knowledge, attitudes, beliefs and practices of literate women in Pankshin community was investigated using quasi-experimental design. The non-randomized control group, pretest-posttest quasiexperimental design was employed for the study. The population for the study comprised 1,807... Continue Reading

The Nigerian banking sector plays a major role in economic development in any country. These they do, through financial intermediation and other banking functions to encourage real sector or innovate productive activities. However, distress in banking sector cannot be totally erased because like other forms of businesses, risks are... Continue Reading

PROPOSAL          Co-operative financing agency are not different from other type of business with respect to efficient management of their funds they are required to used fund very carefully and Judiciously because their source of funds tend to be limited. The peculiar limitation imposed by co-operative principle make it very difficult... Continue Reading

TABLE OF CONTENTS   Title page                                                                                                                    i           ... Continue Reading

TABLE OF CONTENTS   Title page                                                                                                                    i           ... Continue Reading

The main goal of this paper is to examine the relationship between crude oil and oil product prices. Many observers have attributed to part of spike in oil products price is because of lack of competition and demand and supply which prompts sellers to increase prices hence increased profit margins. However, according to Bacon (1991),... Continue Reading

This study investigates the antecedents and consequences of board interlocks on the Ghana Stock Exchange. The study looks at how factors such as the auditor network, industry network, foreign or local ownership network, gender effect, age effect, gender homophile and age homophile could influence the formation of interlocks between firms.... Continue Reading