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Kenyatta University Institutional Repository is a digital archive that collects, preserves and disseminates scholarly outputs of the Institution
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How Perceived Usefulness of Mobile Banking Affects Financial Performance of Commercial Banks in Nairobi City, Kenya
(Journal International of Business Management, 2024-07-24) Munyasia, Rose Nelima; Waithaka, Stephen Titus
he shift from traditional branch banking to mobile banking has seen banks employ mobile banking. Use of
mobile banking seeks to attract new customers while retaining existing ones minimize operational and
management costs and sustaining competition. The Kenyan banking sector has seen significant advances in
technology, but investment in technology is expensive and still not monetized to contribute to financial
performance outcomes. This study sought to assess how perceived usefulness (PU) on mobile banking affected
the financial performance of commercial banks in Nairobi County, Kenya. The study was anchored on
technology acceptance model (TAM). The survey was based on descriptive research design and targeted 200
customers from the top-five rated banks on performance of mobile banking. The sample size was 133 after
applying the Yamane formula and these respondents filled the questionnaire. The quantitative data was
analyzed using descriptive, correlation and regression analysis. The descriptive analysis results show that
perceived usefulness had mean score of (M=3.94) and financial performance (M=4.191). The correlation
analysis show that perceived usefulness was closely associated to financial performance as r = 0.699 and the
two variables were positively and significantly related based on regression beta coefficient of β=.545. The
findings showed that 62.9% of financial performance was influenced by perceived usefulness of mobile
banking application. The study concluded that financial performance with aspects like increased customer
numbers, profit margins and cash flows was improved by perceived usefulness of mobile banking. The study
recommended upgrading of the mobile banking apps so as to perform services such as financial transactions,
speedy processing of transactions and provide multiple services to users
Teachers’ Mentorship as A Way of Implementing Competency-Based Education in Kiambu County, Kenya
(Journal of Education Practice, 2025-10-17) Mwangi, Joseph Ngugi; Njoroge, Jane Gakenia
Competency-Based Education (CBE) implementation continues to face challenges with regard to the role teachers’ training play in it with different levels of preparedness. This study will focus on the role of teachers’ mentorship on Competency Based Education implementation in Kiambu county, Kenya. The study objective was to examine the role of teachers’ mentorship in competency-based curriculum implementation on Kiambu County. The study is anchored on and Social Learning Theory. The study adopted descriptive survey research design. Purposive and stratified random sampling techniques were adopted. The study will target 320 respondents which will include the following; head teachers, grade 1–6 teachers, Curriculum Support Officers (CSOs), Sub-County Curriculum Officers (SCCOs), and parents of Learners in Grades 1–6. The study will have a sample size of 178. In the collection of quantitative and qualitative data, questionnaires and interview guides will be used. Pilot study was done in Nairobi County among 18 respondents. Content, face and intent validity were applied. Cronbach Alpha will be adopted to test reliability. Statistical Package for Social Sciences (SPSS) version 21.0 will used to analyze the data. Tables, charts and graphs will be used to present the data. The study enhanced informed consent, confidentiality and anonymity in the collection and processing of data. The findings of the study revealed that teacher mentorship was positively and significantly related to the extent of implementation of CBE in Kiambu County. The studyrecommended that there is need for a better teacher training approaches to improve delivery of CBE. This underscoresthe importance of structured mentorship to build teacher self-efficacy; engagement with community/stakeholder for resource and community support; innovation, creative pedagogy, use of ICT; and tracking of learners’ progress and competence development. The studysuggests that mentoring structures be institutionalized, that parents and other stakeholders be sensitized, that there be investment in ICTs infrastructure and digital literacy, and that there be effective coordination for an inclusive CBE implementation. Training willalso have to be sustained, for teachers and other stakeholders, to foster accountability and enhance the effectiveness of CBE delivery.
Monetary Policy Transmission and Profitability of Commercial Banks in Kenya
(International Academic Journal of Economics and Finance, 2025-01) Mohamed, Hawa Abdul; Mwenda, Nathan
In Kenya, profitability moved sharply over the past decade as monetary actions and regulatory reforms changed operating conditions. Return on assets fell from above 3% in 2014 to about 2% during the interest rate cap period of 2016 to 2019, with only modest recovery from 2020 to 2024. These patterns motivate an examination of the strength of monetary transmission in sustaining bank earnings. This overall goal of the research was to determine the effect of monetary policy transmission on the profitability of commercial banks in Kenya. The research’s specific goals were to determine the effect of the interest rate channel, credit channel, open market operations channel and liquidity channel on Profitability of Commercial Banks in Kenya. The theoretical framing draws on loanable funds theory, financial intermediation theory, liquidity preference theory and the profitability theory of financial intermediation. A census design was employed, covering all 38 commercial banks licensed by the Central Bank of Kenya as of December 2024. Data were drawn from audited financial statements, Central Bank of Kenya statistical bulletins, and annual supervision reports for the period 2014–2024. Profitability was proxied by ROA, while the transmission channels were measured respectively by the weighted average interbank rate, private sector credit growth, the 91-day Treasury bill rate, and broad money supply (M2). Panel regression techniques were applied after subjecting the dataset to diagnostic checks, which confirmed normality of residuals, absence of multicollinearity, and the robustness of model specification. The results showed that the interest rate channel exerted a significant negative effect on profitability, the credit channel had a significant positive effect, and the liquidity channel also had a positive and significant effect. In contrast, the open market operations channel was significant but negatively related to profitability, reflecting the tendency of banks to rely on government securities during periods of weak private lending. The study concludes that while credit expansion and liquidity growth improve earnings capacity, high interest rates and overdependence on Treasury instruments erode bank profitability. It recommends that banks strengthen asset–liability management, diversify income sources, and enhance credit risk frameworks, while policymakers, especially the Central Bank of Kenya, refine monetary instruments in ways that balance interest rate stability, credit expansion, liquidity growth, and securities reliance to reinforce profitability and resilience in the banking sector.
The Learning-Productivity Link: Evidence from Continuous Professional Development Initiatives
(International Journal of Social Science and Economic Research, 2025-10) Were, Bosco Andrew; Muli, V. Jedidah
Continuous Professional Development (CPD) initiatives are increasingly adopted by Organizations to enhance employee skills and organizational outcomes. This paper examined the relationship between CPD and employee productivity within the Kenya Development Corporation (KDC), using a descriptive census of 110 respondents drawn from a 120-person population. Data were collected with a structured five-point Likert questionnaire, piloted for validity and reliability, and analyzed using descriptive statistics, Pearson correlation and multiple regression techniques. The findings showcased that CPD had a strong positive correlation with productivity and, together with other Human Resources Development (HRD) programs, explained a substantial proportion of productivity variance in KDC. The results further indicated that employees who frequently participated in CPD programs exhibited improved task efficiency, innovation capability, and service quality. Moreover, the regression results underscored CPD as one of the most influential predictors among the HRD variables assessed. The study recommends institutionalizing CPD, aligning it with structured career pathways, enhancing access to accredited training opportunities, and strengthening monitoring and evaluation frameworks to sustain long-term productivity gains and organizational competitiveness.
Effect of Infrastructure Development on Domestic Private Investment and Foreign Direct Investment in Kenya
(THE INTERNATIONAL JOURNAL OF HUMANITIES & SOCIAL STUDIES, 2024-04) Wenje, Peter Okoth; Njuguna, Angelica E
Kenya has prioritized infrastructure development since its independence. This is evidenced in the seasonal paper number 10 of 1965, various economic development policies of the 1970s, National development policies of the 1980s, Economic Recovery strategy for wealth and employment creation of 2003-2007, Current medium-term plans of 2008 to the present term, as well as the vision 2030. All these economic planning strategies aim to provide an excellent environment for infrastructure development in the country to facilitate industrialization and make Kenya an attractive market economy. The availability of quality infrastructure boosts economic productivity and the cost of production, improves the quality of life, raises the country's regional and global effectiveness, boosts domestic private investment (DPI), attracts foreign direct investment (FDI), and helps modernize the country. There is an evident effect of infrastructure development on DPI and FDI, as seen by the empirical literature. However, no study has analyzed whether the growth in infrastructure development is the reason for the structural change in FDI inflow and DPI development in Kenya. FDI and DPI in Kenya had a more or less uniform in trend from 1970 to 2006, to a significantly steeper upward trend from 2007 to 2021. This means that there is an observed structural change in both FDI and DPI. The study used a logistic regression model to explain the shift in the mean values from the low mean observed in 1970-2006 to a higher mean observed in 2007-2021, making this study different from any other study carried out on the subject. The first objective of the study was to analyze the effect of infrastructure development on FDI, while the second objective was to analyze the effect of infrastructure development on DPI in Kenya. Flexible accelerator theory on investment was the central theory of the study. The study used a logistic regression model to analyze the effect of infrastructure development on FDI and DPI in Kenya, using annual time series data from 1970 to 2021. From the results of the study, ICT infrastructure had a positive and significant effect on both FDI and DPI at a 5 per cent level of significance. Energy infrastructure had a positive and significant effect on FDI but for DPI, it had a positive and insignificant effect. Transport infrastructure, on the other hand, had a positive and significant effect on DPI, but it also had a positive and insignificant effect on FDI inflow in Kenya. GDP growth rate, inflation rate and exchange rate were used as the control variables in the study, and they were statistically insignificant for both FDI and DPI at a 5 per cent level of significance. Based on these findings, the government should prioritize ICT development since it has a ripple effect on the FDI inflow and DPI development. Investing in cyber security measures and cloud networking will give investors confidence in the security of their data and, hence, the urge to invest. Foreign investors prioritize energy generation capacity in the host country. Therefore, the government should prioritize expanding the energy supply to attract more investors. Domestic investors, on the other hand, rely on transport infrastructure. Therefore, the government should see how to reduce road congestion, port clearance bureaucracies, and freight charges to boost investment. The study concludes that infrastructural development is a prerequisite for both FDI inflow and DPI development in Kenya