ABSTRACT Globally Co-operative Societies are important vehicles for economic growth and development and they enhance welfare of their members. Most members have challenges in accessing certain loans despite the fact that they have accumulated large deposits in the SACCOs. Moreover there is dearth of information concerning the factors influencing the choice of loan packages by SACCO members. The purpose of this study was to analyze the factors influencing the choice of loan packages by SACCO m...
ABSTRACT The Effects of Electronic Banking on financial inclusion in Kenya is not well documented. Recent studies on electronic banking have over-emphasized on the factors that affect this mode of banking. This study sought to determine the effects of electronic banking on the financial inclusion. The study sought to assess the effect of mobile banking, internet banking and agency banking on financial inclusion. This study used a descriptive research design. Stratified random sampling was emp...
ABSTRACT In pursuit of corporate goals agency relationship will be a recipe for conflict depending on the levels of information asymmetry. Voluntary disclosure can be influenced by several factors thus this study sought to find out the effect of selected board characteristics on voluntary disclosure of manufacturing listed companies in Kenya. The general objective of the study was to examine the effect of selected board characteristics on voluntary disclosure among manufacturing companies lis...
Abstract Old Mutual Insurance System is a fully integrated browser-based insurance system that facilitates for faster interaction between potential clients, insured clients and the organisation. The system was developed with the clients at the heart of system and this provided an end-to-end policy administration system with a client-centric approach. The aim of the Insurance Administration System was to reduce application process and insurance claims approval process and address customer se...
Abstract: The discourse on "environmental conservation" is highly dynamic and has generated controversies of epic proportions in conservation sciences and environmental anthropology. Given the nebulous nature of conservation, coupled with the varying interpretations evoked by the deployment of the concept across different disciplines, a more robust understanding of the no tion calls into question its practical manifestations and application in particular situated contexts — particularly wit...
Abstract Medical ethics as a scholarly discipline and a system of moral principles that apply values and judgments to the practice of medicine encompasses its practical application in clinical settings as well as work on its history, philosophy, theology, anthropology and sociology. As such there are a number of values in medical ethics such as autonomy, non-maleficence, confidentiality, dignity, honesty, justice and beneficence, among others. These values act as guidelines for professionals ...
Abstract This paper critically examines the morality of advertising by practitioners in spiritual healing and herbal medicine heretofore referred to as traditional medicine, in southern African urban societies. While the subject of traditional medicine has been heavily contested in medical studies in the last few decades, the monumental studies on the subject have emphasised the place of traditional medicine in basic health services. Insignificant attention has been devoted to examine the eth...
ABSTRACT. This study focused on the impact of debt financing on the financial performance of SMEs. The study followed a descriptive research design using Statevice as a case study. Data was gathered through interviews and questionnaires from respondents which were selected through the purposive sampling technique. Analysis and presentation of data was done through the use of tables, pie charts and graphs. Results indicated that debt financing is associated with liquidity, agency cost, bankru...
Abstract For some decades, Zimbabwe’s public education has been ranked one of the best in Southern Africa, Africa and the world-over. This was chiefly a result of high quality teachers, high quality supervision of examinations adopted from its colonial master (Britain), and good working conditions for education practitioners, among other reasons. This reality, however, has turned the otherwise since the turn of the new millennium and especially in the recent years due to economic meltdown i...
ABSTRACT Since the colonial era, Africa has remained a victim of circumstances such that it has been affected by a range of problems that make its population suffer in many ways. One of the problems that continue haunting Africa, particularly most of its third world countries is poverty. Zimbabwe is one of those countries that have been deeply affected by crippling poverty levels. The problem of hunger has been exacerbated by the volatile political atmosphere, tremendous socio-economic upheav...
ABSTRACT Over the years, banking has undergone transformation from the traditional way of customers queuing for services in the banking halls to modern day banking where banks can be reached at anytime and anywhere for their service. Today banks have welcomed mobile technology as a package which enables bank customers to pay bills, deposit, plan for payment, check account balance and transfer money anytime anywhere. Empirical research has shown that while mobile banking have become popular in...
ABSTRACT The indigenous forest resources formed the basis of rural people’s livelihoods since time immemorial. The importance of these indigenous forest products led to their commercialization in different parts of the world. This study focused on the impact of the commercialization of indigenous forest products on rural livelihoods in Hurungwe North. A number of indigenous forest products have been commercialized. These include a variety of products that are being sold as food, medicines...
Abstract The study was conducted to find out the strategies which the county government has employed to education of Maasai girl in primary school in Narok County. The study was guided by the following objectives; to examine reason behind low enrolment of girl child to remain in school, to interrogate the cause of poor completion of class eight girl child in Narok county, to examine the strategies employed by county to retaining a girl child in school and to suggest specific interventions th...
ABSTRACT The thesis explored the coping strategies of street vendors in a hyperinflation of 2018-2019 in Mvuma town. It explored the copying strategies adopted by street vendors in reducing the impact of hyperinflation to their livelihood. To find coping strategies of street vendors, the research identified the vending activities in Mvuma, the challenges faced by street vendors and strategies they apply to overcome them. Structuration theory was used to enhance the theoretical understanding o...
ABSTRACT The purpose of this study is to explore the effects of child marriage on girl’s educational rights. The study managed to look at the factors that have contributed to child marriages. In as much, the researcher also looked at how these causes of child marriage have been an obstacle to girl’s attainment of education hence suppressing their education rights. The study also looked at the effects of child marriages on girl’s education rights; these include poor academic performance...