ABSTRACT Financial inclusion is the provision of financial services at affordable costs to sections of underprivileged and low-income segments of society, in contrast to financial exclusion where those services are not available or affordable. Failure to constantly redesign strategies that help the commercial banks adapt to changing business environment may lead to a strategic mismatch between what they offer and what markets demands. The objective was to study Technological Banking Innovati...
ABSTRACT The major purpose of this study was to find out the relationship between classroom environment and students’ aggressive behaviour. To achieve this, adolescents attending high school, specifically those in form three were investigated. An ex-post facto research design was used in the study. The respondents were drawn from three secondary schools in Keumbu Zone, Keumbu Division in Kisii District. Simple random sampling method was used to select the three secondary schools for the st...
ABSTRACT The banking sector over time has been facing various issues of achieving wide ranging information on their customer’s payments history to be used in their process of accessing borrowers. Theinformation sharing aims at providing information that is very accurate, latest updates and gives instant information on borrowers who have potential. This ensures that it is cost efficient and easier to assess the risk and thus managing it, thus enabling reduction of the involvement of unprof...
ABSTRACT The main aim of this research was to analyze the effects of value chain on organization competitive advantage with focus to insurance industry in Kenya. An analysis of value chain is helpful to a firm in the identification of bottlenecks. For easy survival in the market, companies have to have a competitive advantage over others. Like any othe service industry, insurance industry operates in a lean, crowded and extremely competitive industry. The treat of the new entrants is not onl...
ABSTRACT Successful implementation of a project is usually difficult and complex and appears to be one of the most difficult aspects of a manager‟s job. Implementation of any project depends on various factors. These factors include; proper planning, adequate financing, organizational factors and effective communication between the stakeholders. The implementation of CDF has been marred by repeated accusation of abuse of funds, patronage due to excessive powers of the members of parliament...
ABSTRACT This thesis focused on factors affecting diffusion and impact of internet banking. It was based on the theory that when a cost-saving innovation, such as internet banking, is initially introduced, large banks have an advantage to adopt it first and enjoy further growth in size. Over time, due to environmental changes (demand change, technology progress and banking deregulation); the innovation diffuses into smaller banks. As a result, the aggregate bank size distribution increases s...
ABSTRACT The advent of 20th century has seen many organisations embrace the use of technology to enhance performance. Research has indicated that ICT is a driver for any firm to achieve its goals. ICT has been on the forefront in enhancing globalisation of services and organisation’s functions. Various inventions have been made in the ICT field and this has helped organisations to fasten their service delivery. Although the uptake of ICT among SMES in developed countries has been cited to ...
ABSTRACT The government of Kenya is committed to the goal of Education for All. However, the problem of access to Primary school education undermines this achievement. Any factor that interferes with the learning not only undermines the education goal but also hampers the growth and development of children. For this reason, there is a need to identify the factors that contribute to low enrolment in Primary schools in Kenya. The purpose of this study was to find out the impact of urbanization...
ABSTRACT Employee retention is one of the main challenges faced by hospitality industry. In today’s growing competitive global economy, retaining the intellectuals is one of major concern encountered by most industries. However, it still remains one of the understudied issues by the organizations and human resource. Generally the employees leave the organization because of the job dissatisfaction of pay, job interest, job attractiveness, pleasant working condition, nature of job, job enric...
ABSTRACT Numerous factors, both internal and external of a business can contribute towards influencing the state of competitiveness. Positive or negative competitiveness can mean survival or complete collapse of a business. The purpose of this study was to evaluate the effect of internal organization dynamics on the competitive advantage of a firm. The three organizational dynamics that were under study included; workplace innovation, leadership approaches and organization culture. The study...
ABSTRACT Fraud is one of the major ethical issues in the card industry. The study sought to find out card fraud detection techniques on performance of commercial banks in Kenya. The main aim of the study was to identify the different types of card fraud, and, review alternative techniques that can be used in detection of card fraud. The study defines common terms in card fraud, highlights key statistics and figures. The study reflects on how returns in the banking sectors have been eroded due...
ABSTRACT Non Governmental Organizations (NGOs) face various challenges in the implementation of their projects. This study seeks to establish the factors affecting the successful implementation of projects in NGOs within urban slums in Kenya. To achieve this objective, the study was guided by the following specific research objectives: finding out how funding affects implementation of projects of Children of Kibera Foundation; establishing the effect of training on implementation of projects...
ABSTRACT Globally, employee turnover has always been a big challenge to many organizations. In the teaching profession, the global annual turnover intention stands at 45% which is high above the 10-15% recognized by Human Resource Management (HRM) researchers. In 2015, Kenya had a total of 288, 000 teachers and a deficit of 144,708 teachers however, the situation has not changed much since current data indicates that Kenya has a total of 301,560 teachers and requires more than 155,605 teache...
ABSTRACT In Kenya, before independence, teachers were employed by different missionary agencies to teach and help in spreading the gospel among the natives. After independence, Teachers Service Commission (TSC) was established by an act of parliament cap 212 (1967). Among other functions, it was meant to employ teachers. Since inception, TSC used supply-driven method to recruit teachers. The policy changed in 1997 following the government freeze in employment of civil servants and teachers d...
ABSTRACT The Agricultural Cooperatives Societies are seen as a key feature in rural development and poverty alleviation strategy in both developed and developing countries. The agricultural cooperatives are encountered by a few difficulties that make their operations; management and performance difficult which study intend to investigate. The study was guided by the following objectives; to determine Knowledge Creation practices and performance of agricultural cooperative societies, examine...