ABSTRACT Personal finance literature underscore the fact that only a minority of households feel confident about their saving adequacy on retirement because little is known about why people fail to plan and prepare for eventual retirement and even among households with similar socioeconomic characteristics savings and wealth vary considerably. Further, questions abound on whether planning and financial preparedness costs affect retirement saving patterns considering that many households arriv...
ABSTRACT The travel and tour agencies play an important role in the economy of a country as they help in promoting the tourism sector by linking customers to the tourism sector. The agencies make both national and international tourism easy by providing services to the customers which they would have had a difficult time getting on their own like getting Visas for international travel. At the same time, they help in creating employment to a large number of people. Despite. The focus of t...
ABSTRACT This research project is meant to identify the impact of Real Estate Development in the growth of Real Estate Agents in Nakuru Municipality. The occupation of real estate broker or real estate agent began in the early nineteenth century. Prior to the mid-nineteenth century, most sales of real property involved lawyers and business persons but not real estate agents as we have come to know them. In some instances, parties to real estate sales had employees who handled the transactions...
ABSTRACT Macro-economic theory suggests that there exists a causal relationship that runs from the Budget Deficit to Current account deficit, a concept referred to as the Twin Deficits Hypothesis. Further analysis has pointed towards an extension of this relationship running up to the Financial Account through the Savings-Investment Imbalance, a concept known as the Triplet Deficits Hypothesis. Presence of the triplet deficits implies that all the accounts are in deficit making internal balan...
ABSTRACT Nongovernmental organizations play key role in delivering education, healthcare, social aid and other welfare activities in most developing countries like Kenya and hence their financial sustainability cannot be ignored. Financial sustainability requires that NGOs be able to meet all their resource and financing obligations and remain in existence for unforeseeable future. However, just a small number (10 percent) of NGOs that had managed to achieve a desirable level of institutional...
ABSTRACT Despite extensive and continued use for nuclear science and technology for various applications, very little has been done to establish a legal and regulatory framework that ensures the safe and secure utilization of nuclear technology and science in Kenya. Attempts at enacting nuclear policy laws have largely been futile and painstakingly slow. This project examines whether attitudes, practices and knowledge of policy makers play any role in the enactment of nuclear energy laws in K...
ABSTRACT Savings and Credit Cooperative Societies play an important of enhancing economic stability and the general welfare of its members. However, in Nairobi City County, the only Savings and Credit Cooperative Societies that have continued to grow in terms of profitability include; Mwalimu National SACCO, Harambee SACCO, Stima SACCO, Kenya Police SACCO, Afya SACCO, United Nations SACCO, UNAITAS SACCO and Metropolitan National SACCO out of the existing 41 SACCOs. This is in contrast with th...
ABSTRACT Strategy implementation refers to choices and activities that translate a strategic thought to organizational actions where the organization moves from planning to execution of the plans to achieve its goals. Past researchers have attributed the recent growth in the SACCOs to the shift to effectiveness of strategy implementation. The Trans Nation SACCO has experienced growth in terms of profits, share capital, members, and loans uptake. The Trans Nation SACCO has been offering new pr...
ABSTRACT Commercial banks remain the dominant channel of financial intermediation in emerging market economies such as Kenya. After the global financial crisis of 2007-2009, policy makers, regulators and financial institutions heavily invested in reforms aimed at improving financial stability. At the same time, there has been global commitment to promoting greater financial inclusion. Consequently, commercial banks have addressed financial inclusion by designing new services and products targ...
ABSTRACT Despite availability of flexible working arrangements in the public hospitals to enhance the productivity of the health care personnel, performance in most public hospitals remains wanting. Furthermore, the extent to which flexible work arrangements relates to employee productivity, customer satisfaction, employee satisfaction and turnover of health personnel and thus performance remain unclear in public hospitals. The purpose of the research project was to carry out research on flex...
ABSTRACT Security has been and continues to be priority for both life and property world over. Due to the limitations of public security services the private sector has supplemented provision of security services. Overtime the registered security firms have come to rely more on establishments that acquire services purely on credit which often lead to due debts. This has led to large uncollected debts putting registered security firms into liquidity challenges. If such debts are not effici...
ABSTRACT Education is regarded as both type of consumption and investment .People want schools sometimes, as they want TV sets- a status symbol. They want their children to learn to read because they will enjoy life more a result. These are just some of the consumptions benefits of education. Future levels of production are not developed simply on labour and physical capital- but on technical knowledge and the skills of the labour force and these are provided by education (Maureen Woodhall, 1...
ABSTRACT Organizations are currently in the process of reviewing ways in which monitoring and evaluation can achieve greater consistency and effectiveness in judging the impact of a project as well as getting recommendations on how future interventions can be improved. Building a resulted based M&E system is therefore a requirement by the growing pressure to improving performance which is also one of the requirements by the NGO and donor’s to check on the effective use of the donor fun...
ABSTRACT The Kenya government recognizes education as a critical tool in transforming the society. It spends a lot of funds on education in relation to the national budget. However, despite the continued increase in government investment in secondary education, education resources are never adequate to match the ever increasing enrolment rates. In connection to this, several public secondary schools have mobilized their scarce resources to establish IGAs in order to supplement the government ...
ABSTRACT Waste generation and unsustainable waste management practices are among the reasons for environmental degradation with all of its attendant negative implications. Hotels are responding to the global challenge of mitigating the effects of environmental degradation by innovatively moving away from the traditional methods of waste management such as wastefulness, waste land filling and waste burning to more sustainable methods such as waste avoidance, reduce, reuse, recycle and more rec...