Kenyatta University Repository
Kenyatta University Institutional Repository is a digital archive that collects, preserves and disseminates scholarly outputs of the Institution
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Financial Technology Services, Government Regulations and Financial Inclusion of Small-Scale Fish Farmers in Homa Bay County, Kenya
(Stratford Peer Reviewed Journals and Book Publishing, 2024) Opiyo, Fredrick Omondi; Musau, Salome Mwongeli; Irungu, Anthony Mugetha
This study explored the impact of FinTech and Government Policies on Financial Inclusion for
small-scale fish farmers in Homa Bay County, Kenya. The study focused on how access to finance
has been widened through agency banking, mobile money and online banking services among
these people who had low incomes or were marginalized. The research also examined whether
government regulations affect the relationship between fintech channels and financial inclusion.
The study was underpinned by Innovation Diffusion Theory, Financial Intermediation Theory,
Technology Acceptance Theory and Public Interest Regulation Theory. This study employed
causal research design with a sample size of 495 small scale fish farmers using stratified random
sampling technique that yielded 144 respondents. Data analysis involved multiple regression,
correlation analysis and diagnostic tests that utilized SPSS 26.0 for data analysis. The results
showed that agency banking; mobile money services and online banking together explained 58.1%
of variation in financial inclusion among the farmers indicated by R squared of 0.581.The findings
revealed that Agency Banking had significant effect on financial inclusion (β = .231, p = .001 <
.05), as well as Mobile Money Services (β = .196, p = .019 < .05) and Online Banking Services (β
= .410, p = .000 < .05). Therefore, the study concludes that Agency Banking; Mobile Money and
Online Banking play important role in enhancing financial autonomy among small scale fish
farming communities through increased access to bank accounts, secured transactions processes
and agent incomes respectively. In view of the findings, the study recommends that financial
Viability of Public-Private Partnerships in Kenya: A Cost-Benefit Analysis of the Nairobi Express-Way
(reviewed journals, 2024) Mwise, Deborah Robi; Ng’eno, Weldon K.
The purpose of this study was to establish the viability of public-private partnerships in Kenya: a case of Nairobi express-way cost-benefit analysis. Specifically, the study examines the costs and benefit analysis of the Nairobi Expressway Public private partnership project to the government, costs and benefit analysis of the Nairobi Expressway Public private partnership project to the users and assessing how risk distribution among stakeholders affect the Nairobi expressway Public private partnership project. The theoretical basis for this study is resource dependency theory. Descriptive research methods, including the use of visual aids to clarify the data distribution was used to collect and evaluate event data in this study. This research investigated a target population of 1200 persons. The study used a sample size of 120 people. Semi structured questionnaires were used to collect. The Cronbach's alpha procedures were used to assess the instruments' reliability. The reliability of a research instrument was judged according to whether or not the coefficient is 0.70 or higher. A larger absolute value indicates greater consistency across the spectrum. The researcher's supervisor will do a thorough assessment of the tool. Descriptive statistics was used to analyses quantitative data is made easier with the help of SPSS. Frequency tables, bar graphs, and pie charts were used to illustrate the results. In order to safeguard the rights and confidentiality of the participants, the study will publicly address ethical concerns. The researcher asked for written consent by respondents. The significance, goals, length, voluntary nature, at will withdrawal, privacy and confidentiality protections, and point of contact for queries and concerns will all be explained to the participants. The study findings revealed that cost benefit analysis to government had positive significant effect on changes in viability of public private partnerships in Kenya. The findings also indicated that cost benefit analysis to users have positive effect in changes in viability of public private partnerships in Kenya. Again, the result indicates that Risk distribution among stakeholders had a positive effect on changes in viability of public private partnerships in Kenya.
Attitudes and Perceptions of Language Varieties: A Case Study of Ekegusii Dialects in Kisii County
(cari journals, 2024-11) Angwenyi, Vincent M.; Ngure, Kenneth K.
Purpose: The size of the territory considered to be home for speakers of Ekegusii in Kenya is
about 2230 square kilometres. The sheer size of the territory and also compounded by the fact that
the terrain is mountainous makes contact between people from extreme ends of the territory a rare
occurrence.
Methodology: This state of affairs contributes a great deal to the birth of regional dialects.
Ekegusii has two notable regional dialects; Maate and Rogoro. This paper examines the attitudes
and perceptions of speakers of the two varieties of the language as reflected in their speech
behaviours. The study employed Language Use and Attitude Questionnaire (LUAQ) by Fishman
(1965) to elicit attitudes and perceptions of speakers towards their dialect and that of the others.
Findings: It emerged that there is disparity in the treatment and perception of the dialects; Rogoro
dialect speakers are favourably treated and their dialect is perceived to be superior to Maate dialect.
The situation is attributed to the immense institutional support Rogoro dialect enjoys from the
mainstream community.
Unique Contribution to theory, practice and policy: Thus, it has a strong network of speakers
in a vast area as opposed to Maate dialect which is prevalent in South Mugirango only, a small
portion of the entire territory. Speakers of Maate dialect do not perceive their variety as being any
lesser but are aware of the preferential bias accorded to Rogoro dialect at the expense of theirs.
The bias is manifested in, among other instances, distribution of limited resources such as
government jobs and opportunities for social mobility in the region where the two dialects are
spoken
Formulation of New Ceramic Glazes: Test Results Of Rock Material Found In Eastern Uganda
(University of Nairobi, 2023-06) Ahami, Philemon; Ngondo, Anthony
Glazes are very thin glass layers or coatings used to cover clay bodies to make them impermeable, mechanically tougher, scratch-resistant, chemically more inert, and more aesthetically beautiful. Glazes are moderately cheap in price as they are produced using naturally occurring local resources that tend to be plentiful in supply, easy, and dependable to mine. Scholars have reported that the best way to learn about the formulation of ceramic glazes is to have the ingredients used in their manufacture tested. The tests carried out involve varying different amounts of the ingredients that make the glaze formulated and then fired at different temperatures in a kiln. Problem: There, however, has not been much research done on glaze formulation using geology in Uganda. According to the survey done on the three studios located within Mukono district in Uganda, geared towards outlining glaze challenges faced by practicing ceramics artists show cased the difficulties they underwent in finding glazes. Objective: The main objective of this paper was to report the test results of glaze formulation experiments done on selected natural materials found in the Mukono and Jinja districts of Eastern Uganda. Design: This paper used a Quasi-experimental research design and furthered the Solomon four-group design. Setting: The rock samples were collected from Jinja and Mukono districts, Uganda, and transported to the Kenyatta University Ceramic Studio for testing. Subject: the subject of this paper are rock samples form Mukono and Jinja districts of Eastern Uganda. Results: The paper presents the aesthetic and functional qualities of the fired glazed test bars that had been constituted with different rock samples and fired at different temperatures. The results indicate that most of the glaze samples matured better and had better aesthetic and functional qualities when fired at higher kiln temperatures of 1250ᵒC than they did at low kiln fire temperatures of 1100ᵒC. Conclusion: Glazes can be formulated using natural materials. Similarly, at the higher temperature, the glazes appeared to have a better shine and gloss finish as opposed to their aesthetic look when fired at the lower temperature. Documentation of the aesthetic and functional qualities of the new glaze is done.
Fundamental Risk Factors and Financial Performance of Insurance Firms in Kenya
(Research Publish Journals, 2024-09) Mutswenje,Vincent; Sifuna, Douglas; Omagwa,Job
The financial performance of Insurance firms plays a vital role in increasing the sector's market value
and leads to the economy's overall growth. There exists substantial empirical literature on fundamental risk
factors and the financial performance of commercial banks and microfinance institutions. However, few studies
have delved much into the relationship between fundamental risk factors and the financial performance of
Insurance firms. The downward financial performance trend of the Insurance firms in Kenya is a cause for
concerns among various stakeholders. The financial performance has shown a downward trend from 2011 to 2018
before a little bullish movement in 2019. The study investigates the effect of fundamental risk factors on the
financial performance of Insurance firms in Kenya. Operating ratio measured financial performance for the
Insurance firms as applied by the Insurance regulatory authority. The study's specific objectives are to determine
the effect of inflation, exchange rates, and interest rates on the financial performance of Kenya's insurance firms.
The study further establishes the moderating effect of capital adequacy on the relationship between fundamental
risk factors and the financial performance of the Insurance firms in Kenya. This study adopts Positivism
philosophy and an Explanatory research design. The study the Modern portfolio theory, expectations, and the
Liquidity preference theory. The study uses quarterly data obtained from the insurance firms in Kenya and uses
STATA software to analyze. Data analysis through Descriptive statistics, Pearson's simple correlation, Time-series
regression analysis over a time scope of 10 years, Interest rates have a positive but not statistically significant effect
on operating ratio as indicated by the p value (P = 0.081 < 0.05). Furthermore, Inflation rates has positive but
statistically insignificant effect on Fundamental risk factors with p value (P = 0.863 < 0.05), exchange rate has a
positive statistically significant effect on operating ratio (P = 0.000 < 0.05). rom 2014-2021. The hypothesis was
tested at the 0.05 level of significance; findings reveal that Interest rates have a positive but statistically
insignificant effect on operating ratio at p value of 0.081. Furthermore, Inflation rates has positive but statistically
insignificant effect on Financial performance with p value (P=0.863), exchange rate has a positive statistically
significant effect on operating ratio (P = 0.000). Therefore, the research suggests the insurance firms should be
keen to quantify and control the effect of foreign exchange gain or loss on their financial performance The firms
should also take into account the impact of interest and exchange rates to mitigate the impact of their volatility on
financial performance