ABSTRACT With the achievement of puberty, the adolescent becomes sexually active and competent. This maturity involves the whole process of physical development, emotional feelings and social conditioning. It may well be for the adolescent a period of turmoil and awkward adjustment, of mystery and exchange of wrong information with other adolescents. Adolescents, therefore, need the best possible preparation to enable them to cope well with their sexual development and avoid the most obvious...
ABSTRACT Financial inclusion continues to be a major issue of concern in the developing countries because of high numbers of persons without access to formal and regulated banking services. The government Vision 2030 objective on budgetary administrations was to make a lively and internationally satisfactory monetary area that would advance elevated amounts of funds and financing for the nation's venture needs. The purpose of this study was to investigate the role of mobile transfer of funds...
ABSTRACT A firm‟s performance is a function of how well managers use quality management practices to improve the quality of products and services. In today‟s global environment, organizations are constantly looking for ways to expand and improve their businesses in terms of quality to enhance performance. Quality management practices have been used by manufacturing firms in Kenya to improve on performance. However, customers are still complaining that the quality of manufactured products...
ABSTRACT Lending is the principal business activity for most commercial banks. The loan portfolio is typically the largest asset and the predominate source of revenue. Traditional practices rely too much on trailing indicators of credit quality such as delinquency, nonaccrual, and risk rating trends. Banks have found that these indicators do not provide sufficient lead time for corrective action when there is a systemic increase in risk. At Equity Bank, Nyeri County, management has done all ...
ABSTRACT Tough economic times, stiff competition, globalization, terrorism among other challenges have led several firms to adopt strategies that would enable them to remain competitive in whichever industry they are operating in. The commonly known competitive strategies are the Cost Leadership, Differentiation and Focus. Whatever the choice a company makes to position the firm in the competitive market is dictated by the industry structure (attractiveness) and the environmental forces whi...
Abstract Banks can attract customers on a daily basis. However, they have not been able to retain most of their customers as noted by the high numbers of reduced customers. This study sought to assess the customer relationship strategies applied by commercial banks in Nakuru Town and their impact on customer retention. The objectives of the study were: to assess the electronic banking, personalized selling, media advertisements and social customer relations on their effectiveness in customer...
ABSTRACT The purpose of this study was to assess effects of the procedures used by heads of secondary schools during deployment into various administrative posts, on teachers‟ motivation. The locale of the study was Murang‟a East District. Herzberg‟s two-factor theory forms the theoretical framework of this study. The objectives of the study were to identify the various administrative posts in secondary schools of Murang‟a East District, to determine the procedures that heads of the...
ABSTRACT This research project aimed at investigating the monetary policy and performance of commercial banks in Kenya. Commercial Banks have on average been posting a continuous decline in their performance over the last decade. The return on asset in 2014 was 4.46% declined to 3.4% in 2015 and 3.1% in 2016 while the return on equity has also been declining from 28.2% in 2014 to 23.8%in 2015 and 20.6% in 2016 forming the basis of the study. The central bank of Kenya is tasked with responsib...
ABSTRACT Despite the stock markets’ pivotal role towards economic growth, stock market development in Kenya and its contribution to economic growth is still an issue of great concern to policy makers and scholars. The Kenyan stock market is characterized by a small number of listing, lack of sophisticated infrastructure, narrow range of tradable instruments and very low liquidity. Moreover, the market is highly volatile as evidenced by high volatility in key market indicators during the pe...
ABSTRACT Banking industry has been competitive in the past years. Kenyan Banks are exploring all strategies to remain competitive in lending and in ensuring that their clients are satisfied. They have diversified their products from lending to offering custodial and insurance services. Lending continuity mainly depends on the reserves or rather bank’s available deposits. As an initiative therefore, Kenyan commercial banks have employed various strategies to mobilize cheap and stable deposi...
ABSTRACT Limited employee participation witnessed in the public sector has persistently resulted to poor service delivery. Therefore employee participation should take the center stage as it constitute a powerful force for re-energizing service delivery. However this has not been the case at NCWSSC as evidenced by the poor water supply and sewerage services delivered to the residents of the city. Hence the need for the current study to examine how employee participation can be used in streng...
ABSTRACT Small and medium enterprises plays a critical function in the advancement of the Kenyan Economy. The sub-sector’s contribution to the monetary development of the country in the past few years is very evident particularly in relation to job creation, improvement in innovation, raising of people’s livelihood, as well as financial contribution to 45% of the gross domestic product(GDP) of the country,(Economic Survey-2014/2015). This research focused on the tax influence on SMEs se...
ABSTRACT In order for the government of Kenya to meet its fiscal objectives, it is necessary that county government effectively be able to spend budgeted provisions to the highest levels. Government officers need to understand the importance of being able to fully utilize funds as budgeted and as efficiently as possible so as to have an impact to the highest population. The broad objective of this study was to establish the effects of public financial management practices on budgetary absorp...
ABSTRACT 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 factors that determine micro credit performance in Kenya.The researcher surveyed loan accounts of a micro finace institution. The researcher took micr...
ABSTRACT Herbal medicine, commonly referred to as alternative medicine, has been treated with a lot of skepticism among the conventional medicine practitioners. It has been described as inferior to conventional medicine with no proven safety and efficacy, perhaps only associated with rural areas where conventional medicine is not easily accessible. Thus, with economic progress and advancements in conventional medicine, one would expect decline in herbal medicine consumption. In Kenya, 70% of...