Browsing by Author "Mwenda, Nathan"

Now showing 1 - 4 of 4
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    Banking Services and Performance of Women Owned Enterprises in Nairobi City County, Kenya
    (The Strategic Journal of Business and Change Management, 2024) Odek, Jenipher Wanjiku; Mwenda, Nathan
    This study seeks to explore the relationship between banking services and performance of Women Owned Enterprises in Nairobi City. Specific objectives include; relationship of agency banking, bank financial services, bank non-financial services and bank assurance services on performance of Women Owned Enterprise in Nairobi City County. This study was anchored on institutional theory, financial inclusion theory, and capital structure theory as its theoretical framework. Descriptive research design will be applicable in the study with stratified random sampling technique adopted for selection of samples from each stratum based on the location. The study target population was registered Women Enterprises within the Nairobi central business district, Muthurwa Market, Kamukunji Market and Kariokor Market. Sampling frame consisted of 5339 registered Women Owned Enterprises found in the four selected regions of Nairobi City County out of which 262 sampled respondents were drawn. Data collection was done through interviews and structured questionnaires that will be administered by the researcher. Data analysis was done through descriptive and inferential statistics, descriptive statistics included mean, standard deviation, frequency and percentages while inferential statistics included multiple regression and correlation analysis. Data was presented inform of statistical table, charts and graphs accompanied with relevant discussions. The findings of the investigation revealed that agency banking insignificantly positively affected women owned enterprise; bank financial services significantly in a way that positively affected women owned enterprise; bank non-financial services inversely affected women owned enterprise insignificantly; while bank assurance insignificantly affected women owned enterprise in a way that is negative. The study recommend that the management of women owned enterprise should device a means in which more people can be included in the affairs of the business to increase savings and credit operations of the business in Nairobi City County, Kenya.
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    Digital Credit and Financial Performance of Small and Medium Enterprises in Nairobi City County, Kenya
    (Stratford Peer Reviewed Journals and Book Publishing, 2025-09) Thomas, Jane Nzembi; Mwenda, Nathan
    This study ascertained the effect of digital credit on financial performance of selected SMEs in the CBD of Nairobi City County, Kenya. The research employed a cross-sectional research design. The population comprised 5,400 SMEs located in the Nairobi CBD. The study utilized a stratified random sampling technique to determine the necessary sample size. The sample involved responders selected by stratified proportionate sampling to identify 358 significant SMEs across several categories by the Licensing Office in Nairobi City County Offices. The research utilized source data gathered via a research tool. A pre-testing questionnaire was administered to 18 owners/managers of SMEs not included in the study sample. All the others in SMEs in Nairobi, not included in the study population, made up this population. Cronbach’s alpha tested the reliability of the scale and a score of 0.7 was considered. SPSS Package for Social Sciences was used. All the data gathered was of the quantitative type and it was analyzed through inferential analysis and descriptive analysis. It was shown as figures and tables. It was found that digital credit, its easy access, the rules surrounding it and its terms are key to how SMEs in Nairobi City County, Kenya, manage their finances. The research showed that SMEs in Kenya benefit financially from being able to access digital credit. Digital credit does not have a major impact on SME finances. It is concluded that the rules for digital credit play, a vital role in the financial health of SMEs. SMEs depend on privacy regulation, identity theft regulation and interest rate regulation that deal with the issues and appropriate responses. From this study, it is advised that SMEs take advantage of digital credit to help them reach their main aims and carefully plan how to achieve their objectives. Those who provide digital credit should make products available to SMEs to assist in shaping their offerings, sell them and urge use of the products by other players in the market. It is necessary to make sure the quality of the credit service is perfect, as this can keep customers from comparing prices with others. The report advises that digital credit providers for SMEs in Nairobi should come up with strategies to increase their online visibility
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    Effect of Board Size and Board Share Ownership on the Financial Performance of Commercial Banks Listed at the Nairobi Securities Exchange in Kenya
    (IJRISS, 2023-10) Bach, Ivy; Mwenda, Nathan
    Financial performance of commercial banks in Kenya has been deteriorating due to low investments caused by poor corporate governance practices, as reported by instances where boards of directors have refused to embrace good corporate governance practices, resulting in poor financial effectiveness. The research sought to ascertain how the board size and board share ownership affect the financial performance of commercial banks listed on the NSE during the years 2016 to 2020. A descriptive research design was adopted and was anchored on agency theory. Secondary data was obtained from the listed commercial banks published on the Kenyan Investors website, Capital Markets Authority Library, Nairobi Securities Exchange websites, and their websites. Inferential and descriptive statistics were utilized in data analysis and the Panel Data Regression Model was analyzed using Stata 16. Findings showed that the average board size for the 12 NSElisted commercial banks in 2016 was 12, 10 in 2017, 8 in 2018, 11 in 2019 and 9 in 2020. Average board share ownership was 2.10% in 2016, 2.32% in 2017, 2.61% in 2018, 2.92% in 2019 and 3.12% in 2020. The study recommends commercial banks to have a bigger board which might have more specialized skills, well-rounded expertise, and closer supervision of upper management which would eventually lead to optimal judgments and better financial performance.
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    Monetary Policy Transmission and Profitability of Commercial Banks in Kenya
    (International Academic Journal of Economics and Finance, 2025-11) 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.