Abstract/Overview Credit scoring has been regarded as a main tool of different companies or banks during the last few decades and has been widely investigated in different areas, such as finance and accounting. Different scoring techniques are being used in areas of classification and prediction, where statistical techniques have conventionally been used. We used ACC rate, which we believed was an important criterion, especially for new applications of credit scoring, because it highlight...
Abstract/Overview Pathogenesis of Aspergillus flavus on important agricultural products is a key concern on human health due to the synthesis and secretion of the hazardous secondary metabolite, aflatoxin. &is study identified and further characterized aflatoxigenic A. Flavus from groundnuts sampled from sundry shops in Kenya using integrated morphological and molecular approaches. & the groundnuts were plated on potato dextrose agar for isolation and morphological observation of A. flavu...
Abstract/Overview High poverty level is one of the major developmental challenges facing Kisumu County with over 60 percent of the population being poor. The main economic activity in this region has for a long time been farming. The high incidence of poverty level is attributed to several factors ranging from the ever escalating costs of farm inputs, poor distribution and unpredictable rains, poor farming methods resulting to poor crop/livestock production hence low yields for farmers an...
Abstract/Overview Agriculture is a leading source of employment for rural populations in Kenya. Through a mixed methods approach, this study sought to investigate youth participation in smallholder livestock production and marketing in Baringo County. The specific focus is on how social norms and micropolitics enable or constrain participation of particular groups of young people. The study established that personal choice, preference for paid over unpaid labour and gender norms in asset ...
Abstract/Overview The purpose of this study is to explore intrinsic attributes that can be used in the classification of tourism offerings for an academic understanding of their immutable natures. Mixed approach of visitor attractions classification was used as a theoretical underpinning, group discussions for data collection and content analysis for data examination. Findings of this study indicate that every offering category has a set of immutable attributes separating it from the rest...
Abstract/Overview The spot observation method of estimating time use is described in this article. Procedures for using this method in developing countries, where household activities are relatively easily observed, are contrasted with procedures used in countries characterized by very private living units and highly separated employment, educational, and household settings. Characteristics of various methods for collecting time use data are compared so that researchers can evaluate the t...
Abstract/Overview Tourism development has principally focused on the tangible tourism products thereby overlooking the intangible element such as service. This study aimed to evaluate food service attributes in gastro-tourism development in the Western Tourist Circuit, Kenya. A total of 166 top and middle level managers were selected from 62 hotels for this study using multi-stage sampling method. Several food service attributes were identified and used to structure self-administered ques...
Abstract/Overview Positioning of ecotourism destination is crucial to survival and success of business value chain of the cultural sites as alternative source of livelihood of the local communities in Kisumu County. This paper sought to establish significant factors to consider in branding cultural sites as ecotourism destinations for sustainable livelihood in Kisumu County and its environs. This study was anchored on Place Branding Theory and Social Exchange Theory. The study adopted des...
Abstract/Overview There is no doubt about the nutritional value and environmental impact of edible insects; they are a good substitute for source of protein. However, incorporating them in the human daily diets requires an intense change in mentality of youth in Kenya. People’s attitude towards a food product is important when it comes to its acceptance. Therefore, the aim of the research was to explore the perception and attitude of young people in Kenya on the utilization of insects a...
Abstract/Overview The volatility nature of the business environment mandates the use of competitive strategies in order to compete. This necessitates the adoption of competitive strategies by financial institutions in order to remain profitable. There are limited studies on the influence of competitive strategies on performance of commercial banks in Kenya. This, as well as other growing banking challenges, has an operational and management impact on the bank's performance. However, there...
Abstract/Overview A well formulated and properly implemented budget has the capacity to promote socio-economic well-being of the people, finance development projects and support public service administration. However, Siaya County has faced a major challenge in enhancing the credibility of its budgets by reducing the gap between planned and actual targets. It has registered actual under performance both for revenue and expenditure in comparison to budgeted targets across the financial yea...
Abstract/Overview Banks are essential in circulating currency and wealth of the society and they optimize their liquidity risk by assuming externalities posed by their choices. Kenya's Banking sector has experienced liquidity challenges ranging from funding to market risks. This research focused on the effects of liquidity risk management on performance of commercial banks in Kenya. The specific objectives were; to establish the effects of cash reserves, customer deposits, non-performing ...
Abstract/Overview Commercial banks are the most dominant financial institutions with their main function being availing funds to its customers. For a bank to be in a position to do so, it must be in a healthy liquidity position. The banks' primary business in lending and investment are risky business. Banks are exposed to uncertainty and instability of the financial market as interest rate fluctuations, exchange rate variation and economic volatility could all lead to insolvency, bankrupt...
The purpose of this study was to assess consumer preference for locally produced native tree products in Northern Ghana. The trees under study were baobab and locust bean. Data was collected from 307 respondents in the Kasena Nankana municipal, Nandom municipal, and Kumbungu districts. Questionnaires were used as instruments for the data collection together with focus group discussions. As there are various locally produced products of baobab and locust bean, consumers were seen to have more ...
This study focused on the effectiveness of communication channels in tertiary educational institutions in the Northern Region of Ghana using the University for Development Studies in Tamale as a case study. A case study research design and mixed method approach was used to guide data collection and analysis. A sample size of 285 was used out of a target population of 1,077 staff based on Krejcie and Morgan’s formula. Most of the respondents were young people aged between 26 and 45 years, mo...