MST-School of Business

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This collections contains bibliographic information and abstracts of Master theses and dissertation in the School of Business held in Kenyatta University Library

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Audit Controls and Performance of Constituency Development Fund Projects in Embakasi East Constituency, Kenya
(Kenyatta University) Muriithi, Margaret W.
Through audit controls, organizations accomplish execution and organizational objectives, avoid misfortune of assets, empower generation of solid reports and guarantee compliance with laws and controls. As a fund misuse, misappropriations of funds, stalled projects, are some of the challenges affecting performance of Constituency development fund projects. This study therefore sought to investigate the effects of audit controls to the projects performance of constituency development fund in Embakasi East Constituency. The study was guided by the following specific objectives; to establish the effects of detective controls on projects performance of constituency development fund in Embakasi Constituency; to determine the effects of preventive controls on projects performance of constituency development fund in Embakasi East constituency; to establish the effects of monitoring and evaluation measures on projects performance of constituency development fund in Embakasi East Constituency and to determine the effects of risk assessment on projects performance of constituency development fund in Embakasi East Constituency. The study was guided by three theories which included; The Agency Theory, Reliability and Accounting Theory and The Fraud Triangle Theory. This study adopted a descriptive survey research design. The population for this study was Constituency development fund committees (CDFCs), project committee members and community leaders. The targeted population will be representing different projects being implemented in the constituency. Some of the projects included education, health and sanitation, security among others. This study used a questionnaire to collect data. The questionnaire was designed in this study comprised of two sections. Before processing the responses, the completed questionnaires were edited for completeness and consistency. The data was then coded to enable grouping of responses in various categories. The data collected was both quantitative and qualitative and analysed via descriptive analysis and content analysis. The descriptive statistical tools helped in describing the data and determining the extent used. Data analysis used SPSS and Microsoft excels to generate quantitative reports in tabulations, percentages, and measures of central tendency. Tables were used to present responses and facilitate comparison. The research analyst also conducted a multiple regression analysis so as to determine the strength of the relationship amongst the variables. On detective control, the study revealed that to a great extent areas pointed by the external auditor’s report help in detecting frauds and that CDF offices are not frequently audited. Regarding effects of preventive controls on projects performance of constituency development fund in Embakasi East constituency the study revealed that accounting records are limited to employees with designated responsibility for such records and also that procedures exist to prevent the interception or alteration by unauthorized persons of billings or statements before posting. It was further revealed that the monitoring and evaluation committees assigns responsibilities for the timely review of audit reports and resolution of any non-compliance items noted in those audit reports. Thus the study recommends the management of CDF should have clear level of authorities and that CDF office should be frequently audited and report made to the top management for implementation. Further, the CDF management should develop objectives for the CDF fund in each of the area and put strategies to ensure that the objectives are achieved in an efficient manner identifying risks that affect achievement of the objectives. Legislators should ensure that there are independent process checks and evaluations of controls activities on ongoing basis for CDF.
Kenyan banking discourse: Structure, Strategies and their effects on Banking interaction
(Kenyatta University, 1996-09) Walya, Esther . W; Muthwii, Margaret J.
This study explores the structure of Kenyan banking discourse. In addition, it outlines those discourse strategies that the interactants apply in their conversations and the effects that they have on banking interaction. The background of the problem raises some of the basic concepts in discourse analysis which offer some insights in interpreting the entire study. The observations in the study are made within the framework of the Speech Act Theory with specific reference to Edmondson's (1981) model. The study achieves its objectives through the use of spontaneous conversational data between bankers and customers. These were supplemented by research notes made by the researcher during data collection. The findings of this study reveal that the structure of Kenyan banking discourse and the strategies that the interactants use are greatly influenced by both verbal and non-verbal forms of communication. Further, the code used by the interactants has major significance on the entire discourse. However, the linguistic items used in this discourse remain primary since they affect the manner in which the discourse is understood and interpreted. The work concludes that it is difficult to separate linguistic behaviour from the interactants' social "behaviour
An Investigation on the Members' Attitudes as Regards the Lending Policies for the Savings and Credit Co-Operative Societies in Kenya: a Case Study of Mwalimu Savings and Credit Co-Operative Society Limited, Nairobi
(Kenyatta University, 1998) Lumumba, Omweri Martin
Savings and credit co-operative societies are one of the many non-agricultural cooperative societies in Kenya. They are unique in that, out of their services and daily operations, they can be classified as financial institutions. Because of their great contribution towards economic development, the government through the Ministry of Co-operative Development issues policies which guide their operations. These policies are reviewed periodically to be in line with changing economic conditions. The researcher's main objective was to find out the attitudes members held towards the lending policies and also the aspects of such policies that members were not satisfied with. The other objective was to find out whether members' attitudes were influenced by the salary scale or the number of years one had been in the society. The researcher undertook a case study of Mwalimu Savings and Credit Co-operative Society Ltd, Nairobi where a sample of 150 was used. A questionnaire was used in collecting data. The data collected were analysed by way of tabulation, mean scores, percentages and semantic differential profiles. From the study it was found that, depending on the lending policy in question, members' attitudes varied from positive ,...tonegative. Further, it was' established that members' satisfaction or dissatisfaction with particular lending policies was not influenced by either salary scale or number of year one had been with the society. From the findings it was recommended that those policies to which members held negative attitudes be dropped and that the government should withdraw its involvement in the running of day-to-day operations of the savings and credit co-operative societies. This could ensure autonomy of such societies and members' full participation in their management could enhance high savings.....
Strategic responses of kcb Nyeri county branches in the face of changing environment.
(2002-05) Njiru, Pamela Murugi
With the increasing competition that companies are facing today, rewards will accrue to those who can read precisely what consumers want by continuously scanning the environment and delivering the greatest value to customers. Therefore, developing strategies for responding to changes that face the organization is vital to the adaptation of the changing business environment. The main purpose of this study was to investigate the strategic responses being used in Kenya Commercial bank to cope with the changing environment. Specifically, the study was conducted in Nyeri county branches. The variables for the study were research and development, restructuring, marketing mix and customer service. The target population was seventy employees in the Nyeri County branches. A census study was conducted. As at March 2012, there were four KCB branches in Nyeri County. For the purpose of collecting primary data the researcher used questionnaire. Data collected from respondents was both quantitative and qualitative in nature. Quantitative data was analyzed using descriptive statistics such as frequencies and mean scores. Qualitative data was analyzed using content analysis. The basis of using descriptive approach was to give a basis for determining the weights of the variables under the study. The findings were then presented using tables, pie charts, and bar graphs for easier interpretation. The study established that KCB had embraced a number of strategic responses in the face of changing external environment. The study found that majority of the respondents agreed that development of new products and expanding into new markets were some of the strategies the bank was using. The study further found that restructuring has been ongoing for the last three years with a view of enhancing service delivery, lower costs and increase customers' satisfaction levels. By effecting changes in the marketing mix elements the study found out that the bank was able to respond to emerging changes in the market. Giving excellent customer service is one key area the study found out the bank is very keen in implementing. This is enhanced by continuous staff training and taking customer satisfaction surveys and acting upon them. The study recommends that customer focus should be implemented more and incorporated in the organization's culture. It further recommends that the mandate of research and development section be expanded to cover marketing intelligence to unearth the strategies used by the competitors. The bank needs to establish more strategies and keep reviewing them often to have a sustained competitive advantage. The study recommends that further research may be done in other counties and even regions in which the banks operates to establish the strategic responses being employed by the bank in these areas.
An Impact of Tripartite Arrangement: a Kenyan Case
(Kenyatta University, 2003) Onyango, Peter Ogola
Tripartite arrangement in Kenya functions largely around the government, workers and employers and their associations or unions. This study reviews this relationship with a particular emphasis on how it has impacted on industrial relations in the country. National tripartite co-operation has been a key element of industrial relations in Kenya. Tripartite co-operation has emerged and developed as an indispensable part of the economic, social and political process. Indeed, tripartism if well utilized can be a suitable instrument to manage the profound economic changes successfully, while ensuring an unexpectedly peaceful return to market rules. This is not the case in Kenya, since it has been a remarkably differing phenomenon, especially as regards its actual impact. Kenya has established a wide range of formal tripartite bodies dealing with broad economic and social policies or with more circumscribed issues such as occupational health and safety, vocational training and other work related issues. This research will, nevertheless, narrow its focus on tripartite bodies involved in labour policy formulation. This research paper presents a critical analysis of the goings in the industrial relations sphere and provides solutions that make the system mJe useful and formidable especially in the wake of unrest and industrial disturbances in terms of strikes. The involvement of other extra tripartite arrangement bodies in industrial relations is also critically expounded on.
Impact of agricultural finance in Kenya. case of Agricutural Finance Corporation.
(2004-10) Amimo, C.M.
The Agricultural Finance Corporation was established in 1963 and reconstructed on 21st March 1969 by an Act of Parliament Cap.323. The main function of the Corporation was to assist in the development of Agriculture and Agricultural Industries. This it would achieve by making loans to farmers, Cooperative Societies, Public bodies, Local Authorities and other Persons engaging in agriculture or agricultural industries. The Corporation was empowered by the act as a body Corporation with perpetual succession and a common seal. It was granted authority and power to acquire, own, possess and dispose of property and to contract and sue and be sued in its own name. The Corporation was exempted from the Companies and Banking Acts. Agricultural Finance Corporation offers different loan products key amongst them are, seasonal crop credit open line, other seasonal crop production loans, mechanization loans, livestock development loans, loans for plantation crops and loans for legal entities. During the year 1998, Kshs 172.98 million was lent to farmers, which was a decline from Kshs 249 million lent in 1997. Due to the reduced lending the principal loan portfolio fell by Kshs 55 million from Kshs 2,253 million in 1997 to Kshs 2,198 million in 1998. The total loan portfolio however increased by Kshs 149 million from Kshs 3,561 million in 1997 to Kshs 3,710 million in 1998. This increase of 4.2% is a result of poor loan repayments. In the same year (1998) Kshs 425.3 million collected in 1997. The story of ever decreasing repayments became a constant feature in the history of Agricultural Finance Corporation. (A.F.C annual report 1998). In the similar manner, Kenya Rural Enterprise Program (KREP) was established as a non Governmental Organization in early eighties. Its main task was to provide financial services to other institutions for on lending to small-scale entrepreneurs. This method did not work satisfactorily. KREP transformed itself into a big institution offering services to entrepreneurs directly. Its main products are Chikola (Group Loans) and Juhudi (targeting individuals). Through continuous researches KREP today have the small holder agriculture credit project. This facility is being implemented in Kibwezi, Taita Taveta and Migori. It is an initiative aimed to access small holder farmers in the rural areas with credit for agricultural development. Its popularity with the farmers is because apart from the group guarantee, no other tangible collateral is required. The research therefore delved in assessing the impact of the loans extended by the Agricultural Finance Corporation both on the recipient farmers the appropriateness of the disbursement methodology. A comparison made with other institutions mostly Non Governmental Organizations extending credit to Agriculture. It will be of significance and interest to look at a facility like the small holder Agricultural Credit, currently offered by the Kenya Rural Enterprise Programme (KREP).
An Investigation into Factors Influencing Occupational Safety and Health Intervention Programmes in Selected Manufacturing Firms in Thika Municipality
(Kenyatta University, 2005) Majda, Adhiambo
The current global labour force stands at about 2600 million and is growing continuously. Each year, another 40 million people join the labour force, most of them in developing countries (lLO 2000). Other than the home environment, the workplace is the setting in which many 'people spend the largest proportion of their time. Indeed, for many people, particularly in developing countries, the boundary between their home and workplace environment is blurred. Growth of the industrial activities has often been spurred by population growth and rapid urbanization, in combination with economic development and in parallel with larger, more conspicuous industrial development....
Factors Hindering Access to Credit Facilities among Small and Medium Enterprises in Kenya Case of SMEs in Kitengela, Kajiado District
(Kenyatta University, 2005) Obonyo, Bonareri Margaret
This project discusses the factors that hinder the access to credit facilities among Small and Medium Enterprises in Kitcngela. Kajiado District with the main focus on the lending policies of both the informal and the formal financial institutions in Kenya. Chapter one highlights the role of SMEs in economic mobility of countries and underscores the value of accessing credit in facilitating and enabling the SMEs meet their core economic and social roles. The background information of the subject under study is highlighted Chapter two discusses and reviews relevant literature that micro-finance authorities and academics have recorded with regard to credit access by SMEs in Kenya and the world over. It also gives the conceptual framework for the study. Chapter three covers the research methodology that was used in executing the project. The survey design was used in executing the study. Stratified sampling was utilized in selecting the samples from which data was collected. Interviews and questionnaires were the main data collection instruments for the research. Regression modelling was utilized in the Statistical Package for Social Scientists (SPSS) programme to identify the factors that determine access to credit facilities Chapter four covers data analysis and presentation of the results. Chapter five covers the conclusion and recommendation from the research finding.
An Evaluation of Financial Management Practices in Kenyatta University, Nairobi. Kenya
(Kenyatta University, 2005) Wandabwa, Henry M.W.; Ngaba; Ngene
In many countries of the world there have been major changes in the financial operations of public universities. In KU, the changes have occurred within the context of diminishing public resources and this has translated in most instances into financial constraints. The situation has led to pressure from government and from within the university itself in some cases for a diversification in the sources of financial support for the university. It is clear that KU can no longer rely solely on government funding if it is to remain financially healthy. New procedures and criteria for the allocation of resources and the evaluation of the uses made of increasingly scarce resources are essential. In some institutions Financial management has become much more akin to business management, involvi.ng decisions on financing sources (IGA), savings and investments and budgeting and management of short-term assets. This study therefore intended to evaluate these financial management practices in KU. The research used secondary data to evaluate these financial management practices. The results were analysed using tables and charts. This study found out that the major challenges facing KU is the sourcing of funds and the adoption of proper budgeting systems. From the study it was noted that KU had highly benefited a lot from alternative financing by paying salaries on time. Budgeting system needed to be addressed as it's facing a lot of problems.
An Evaluation of Financial Management Practices in Kenyatta University, Nairobi. Kenya
(Kenyatta University, 2005) Wandabwa, Henry M. W.; Ngaba; Ngene
In many countries of the world there have been major changes in the financial operations of public universities. In KU, the changes have occurred within the context of diminishing public resources and this has translated in most instances into financial constraints. The situation has led to pressure from government and from within the university itself in some cases for a diversification in the sources of financial support for the university. It is clear that KU can no longer rely solely on government funding if it is to remain financially healthy. New procedures and criteria for the allocation of resources and the evaluation of the uses made of increasingly scarce resources are essential. In some institutions Financial management has become much more akin to business management, involving decisions on financing sources (lOA), savings and investments and budgeting and management of short-term assets. This study therefore intended to evaluate these financial management practices in KU. The research used secondary data to evaluate these financial management practices. The results were analysed using tables and charts. This study found out that the major challenges facing KU is the sourcing of funds and the adoption of proper budgeting systems. From the study it was noted that KU had highly benefited a lot from alternative financing by paying salaries on time. Budgeting system needed to be addressed as it's facing a lot of problems.
Determinants of Effective Performance of Chief Executives in Public Organizations in Kenya. A Case of Selected State Corporations
(Kenyatta University, 2005) Kamaliki, Tom Ukiru
Demographic and Socio-Economic Factors Encouraging On-The-Job Training at the Murang'a Jua Kali Sheds
(Kenyatta University, 2005) Githinji, Dan Ngure
The purpose of th is study was to investigate the factors that encourage on-the-job training in micro and small-scale enterprises within Murang'a Jua Kali sheds. Two questionnaires were used, one for the employees and the other for the employer. These instruments were used to gather data. The employees' demographic variables of gender, age, academic qualifications, technical training and number of years of service were considered. Social and econom ic factors were also considered. A total of twenty five (25) trainees and sixteen (16) trainers were sampled. The relevant literature was reviewed highlighting academic and research works undertaken there before on training and in particular on-the-job training. The data gathered was analyzed using descriptive statistics, through frequency distributions. This helped to address the research questions and the objectives of the study. I'The results of the study revealed that the jua kali enterprises within the sheds were dominated by men of ages between 41-45 years with primary school education. Lack of fees to further education through formal channels was cited as the most common reason why trainees opted to train on the job. This study concluded that on-the-job training is necessary for the growth and industrialization of Kenya but there is need for government incentives to improve the quality of training. It was . recommended that more women be encouraged to open businesses in the jua kali sheds to offset the dominance of men in this sub sector.
Factors Affecting Performance of Tourism Sector in Kenya (Case of Kenya Tourism Board, Bomas of Kenya, Kenya Utalii College and Kenya Wildlife Service)
(Kenyatta University, 2005) Ogwoka, Okemwa
The main objective of this study was to look into the factors that affect performance of the tourism sector in Kenya. A sample of 27 respondents was drawn from Kenya Tourism Board. Bomas of Kenya Ltd., Kenya Wildlife Service and Kenya Utalii College, which was used for this research. The data was collected from the respondents, by use of interviews and questionnaires. The data was obtained from the field was analyzed by use of descriptive statistics. Tables. charts, frequencies and percentages were used to define the extent to which the factors affect performance. from the findings of the study, it can be concluded that insecurity has the highest effect on performance, followed by infrastructure. Marketing strategies. competition and legal framework followed respectively. It is recommended that the organizations use a reasonable amount of the generated revenue for improvement of security and infrastructure. On other factors proper planning and team work with all other stakeholders was recommended. Further research can be conducted to establish how competitor countries like South Africa and Egypt manage their infrastructure and security Issues.
Constraints Facing the Micro and Small Enterprises: a Case Study of Selected Small Enterprises in Mwiki, Kasarani
(Kenyatta University, 2005) Bitutu, Sophia Obwocha
The essence of this research was to determine the major constraints that influence the development of Micro and Small Enterprises in MwikiKasara i. During the past two decades a lot of attention has been drawn to the important role that MSEs play in employment creation. The government and other key players have taken positive steps to create an enabling environment to support the creation and existence of MSEs. However the growth and development of this sector has stagnated. Many e itrepreneurs fail for reasons unrelated to the underlying viability of the business, but instead for reasons such as the inability to manage cash fl wand lack of skills. The purpose of this study was to determine the constraints facing the micro and small enterprises in Mwiki. The literatur ~ review looked at the existing constraints, which inhibit the operations of MSEs and some of the positive measures that have been institute by key players. The study used descriptive survey and simple random sampling to create an appropriate sample. Data was collected using c uestionnaires, interviews and through observation and then analysed using descriptive statistics. The stu y found out that the major constraints and the causes of the constrai 11sfacing MSEs in Mwiki were due to lack of training in basicbusiness skills, inaccessibility to information and appropriate technology, cumbersome compliance procedures and regulations, hightaxation, insecurity, unwillingness to take financial risk and inacces ibility to credit facilities, high cost of electricity and frequent blackouts. The study concluded that the MSEs in Mwiki require support services as identified by the study to overcome these constraints. Therefore a concerted effort between the local community of entrepreneurs, policy makers and NGOs is recommended to facilitate growth and better business performance.
An Investigation into Staff Performance Appraisal Tools Used For Middle and Junior Staff in Non-Governmental Organizations in the Health Sector in Kenya
(Kenyatta University, 2005) Cheche, Stephen Gikonyo
Over the past sixty years performance appraisal has become such commonplace in organizational life that virtually every company has an appraisal system (Grote, 1996). Research shows there are many approaches to evaluating employee behaviours and performance relative to job tasks and/or organizational culture. As a result, various applications of performance appraisals have left managers in a state of confusion and frustration with the employee evaluation process. In fact, no one seems satisfied with the system they have or content with the results it produces. " Performance appraisal systems are a lot like seat belts, most people believe they are necessary, but they don't like to use them"...
Analysis of Gender Difference on Entrepreneurial Self-Efficacy in Kenya: Case of Small and Medium Entrepreneurs in Githurai Trading Center, Nairobi
(Kenyatta University, 2005) Nanjala, Mola B.
Proceeding on the basis of performance differences between male and female owned enterprises, the research analyzed the gender difference on entrepreueurial self-efficacy among Small and Medium Entrepreneurs at Githurai Trading Center, Nairobi Kenya. Descriptive survey design was adopted using structured questionnaires that were administered to a sample size of 150 respondents. Descriptive statistics and chi-square statistical analysis methods used . Data from research indicate that men report significantly higher levels of entrepreneurial self-efficacy than women. The factors that determine gender differences on entrepreneurial self-efficacy among Small and Medium Entrepreneurs included believe in accomplishing difficult tasks; believe in obtaining important outcomes; believe in success, overcoming of challenges and confidence in effective performance in different tasks. Findings show that variances in entrepreneur's competences reflect on gender differences in entrepreneurial self-efficacy. Findings also imply that that entrepreneurial self-efficacy explain the performance differences between male and female-owned firms as males who believe they can obtain important business outcomes also recorded higher growth margin than their female counterparts. Since self-efficacy is closely related to self-beliefs about personal capabilities and the to be motivated to act, entrepreneurs must perceive themselves as capable and have the positive attitude to succeed, female entrepreneurs are recommended to focus on improving their self-belief; belief in ability to influence achievement of goals, which are important achievement of enhanced entrepreneurship actions. Variations in marketing and management competences between males and females calls for the female entrepreneurs to ado~ strategic business skills improvement programs
Career Planning, Training and Development for Middle Level Manarges: A Case Study of Jomo Kenyatta University of Agriculture & Technology
(Kenyatta University, 2005) Liyokho, Scholastica Khakayi; Wanjere, M.D; Gongera,
Middle level managers consist of a very important sector of the administrative workforce of the university and any other organization. This group of workforce is faced with problems in their daily duties which will be addressed in this study. There is need for organized laid down procedures for them to follow as they execute their daily duties. Lack of job descriptions, elaborate career paths, upward mobility in time cause worry to this cadre of employees. This study is therefore geared towards establishing the extend to which the university has tried to develop careers of middle level managers and how career planning has been effected. The researcher used questionnaire to gather information for this study .During the administration of the questionnaire, the researcher interacted with the respondents to gather more information from them and how their problems could be solved. The questionnaire was administered to the forty-five middle level managers of which majority concurred that further training was required. Most middle level managers experienced support from their immediate supervisors. They also expressed the need for rewards to be linked to performance to heighten motivation towards working environment. Indeed, the" results of the findings indicate that the middle level managers should be exposed to : job rotation, seminars and workshops, further training both on- job and offjob training. The researcher concluded that the managers should be exposed to further training, semmars, job-rotation within a span of five years and gets the next promotion .
Factors influencing the effectiveness of guarantorship in loan recovery: the case of Mwalimu Sacco Society Ltd
(Kenyatta University, 2006) Mutura, James K.; Maganjo, R.; Munywoki, S. K.
There are about 4,200 sacco societies in Kenya which by December 2005, had mobilized Kshs.105 billion representing 31 percent of the country's savings. Mwalimu Sacco society Ltd is situated in Nairobi and established in 1974 is one of the largest SACCO societies in the country. Its objective is to mobilize savings and grant loans to members. By December 2005, Mwalimu Sacco society Itd had mobilized Kshs.6.7 billion, which is equivalent to 6.3percent of all Sacco savings in the country. By then the outstanding loans stood at Kshs.6.04 billion out of which about kshs 35 million was deliquent. The securities for the loans are loanees expected future income and guarantors. Granted, that Sacco societies mobilize large amounts of savings and consequently give huge loans on the premise that the latter will be paid promptly, a mechanism of compelling loanees to pay such loans from other sources of income in absence of employment income is lacking. Further the retirement benefits authority (RBA) prohibits the use of a loa nee's pension in clearing the loan liability. Given the magnitude of funds lent out, there is need to examine factors that influence the effectiveness of guarantorship in loan repayment. An exploratory study approach was adopted. It involved focus group interviews, review of relevant literature and discussions with experts in the field of cov operative management. The study used combination of stratified random sampling and purposive sampling to obtain a sample of 200 guarantors who were been attached for defaulted loans at Mwalimu Sacco Society in 2005. Questionnaires were used to collect data from the attached guarantors. Secondary data from the Sacco was used to identify loan defaulters and their respective guarantors. Data acquired was analyzed through mean mode and standard deviation in addition to analysis of variance (ANOVA). A Pearsons correlation coefficient analysis was carried out to determine multicolinearity amongst the independent variables. Analyzed data is presented through the use of bar graphs, pie charts and tables. Findings from the study revealed that females are more prompt in loan repayment than males. The patriarchal nature of the Kenyan society emerged as a major reason for this phenomenon. Age and gender were found to have an impact on loan repayment. As members grew old they become more inclined to repaying the loans than the young with females being more reliable in loan repayment. It also emerged that members' other sources of income and increased salaries could hardly be traced to the Society in form of increased savings and accelerated loan repayment. Contrary to commonly held view that peer pressure encourages loan repayment, the researcher found that peer pressure has no role in repayment of defaulted loans. The government policy and regulations were also found to have a minimal role in loan repayment. Findings from the study revealed that as members income threshold increases, their monthly savings with the Sacco do not increase correspondingly. Loss of employment income was found to be the single most important reason for nonrepayment of Sacco loans.
Factors Limiting the Effective Performance of E-Banking: A Study of Assorted Commercial Banks in Nairobi, Kenya
(Kenyatta University, 2006-12) Ngethe, Kamakya J.
E-banking is a relatively new concept in Kenyan banking sector. The introduction of this concept by commercial banks was aimed at .improving efficiency and speed, in provision of financial services to their clients/customers. Efficiency and speed in service provision is cost-effective and saves time for both the commercial banks and the customers. The purpose of this ~tudy was to establish how readily the concept of e-banking has been embraced by the public, the limiting factors to the usage of e-banking and whether the encountered problems were by ·the clients themselves, the bank management, cost or the government legislation/control. This was a descriptive survey. Both primary and secondary data was collected from the banks. The raw data was subjected to SPSS (Statistical Package for Social Science) for analysis. The expected outcome of this study was to document the limiting factors for effective performance of e-banking in Kenyan banks and possible strategies to counter the Iimitations. The study findings suggest that effective performance of e-banking was due to lack or information by the customers, the management's unwillingness to effect changes, regulatory mechanisms and the tariffs which were high. The study further suggests that the cost of Installing and operating e-banking facility is high hence leading to low performance.
Effects of Downsizing on Organizational Performance: A Case of the Kenyan Civil Service
(Kenyatta University, 2007) Omolo, Grace Aoko
Downsizing has been widely used by many organizations as an effective method of reducing employment cost and improving efficiency and effectiveness in service delivery. The Civil Service in Kenya is no exception. This study, therefore, attempts to assess the effects of downsizing on organizational performance of the Civil Service in Kenya. Between 1963 and 1991, the Kenya Civil Service expanded both in functions and staff strength. This rapid civil service growth, which reduced the civil servants' population's ratio from 1: 133 in 1963 to 1:85 in 1992 coupled with low economic growth and high population growth rate has had a negative impact on service delivery and overall government ability in provision of improved standards of living to its citizens. This became a concern to the government and led to the launching of the Civil Service Reform Programme (CSRP) phase 1 in August 1993. The focus of this programme was cost containment through staff downsizing measure as one of the strategies for improving efficiency and productivity in the Civil Service. In 1998, the phase II of the programme was launched. The overall goal of the phase 11of the CSRP was. to improve the performance of the civil service through downsizing. By the year 2000, quite a number of the civil servants had left the civil service through CRSP. ,., The general objective of this study was to assess the effects of downsizing on Civil Service performance. The specific objectives of the study were fivefold. These were ((a) to find out the extent to which downsizing has affected efficiency and effectiveness in the civil service; (b) to assess the degree of performance in the service; (c) to find out the extent to which working conditions in the Civil Service have improved; (d) to find out the problems caused by downsizing in the Civil Service; and (e) to find out the benefits of downsizing to the Civil Service...

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