ABSTRACT The study was seeking to determine the impact of commercial banks credit on SME financing in Kenya. The scope of the study was the 43 commercial banks presently operating in Kenya. A descriptive survey was undertaken in order to measure the cause and effect of relationships between the commercial banks returns on equity and SMEs financing. It also described the relationship between the ratio of commercial bank loans to SMEs to the total loans in the Economy. Secondary data was obtain...
ABSTRACT Banks use various approaches to lend to SMEs. Among others, two main lending approaches used to finance small- and medium-sized enterprises (SMEs) can be primarily distinguished by the type of information that a bank uses in granting and monitoring the loan. On the one hand, transaction-based lending approaches are primarily based on borrowers‘ hard quantitative information, such as the strength of the financial statement or the value of their assets, which are relatively easy to d...
ABSTRACT Farm credit offered by AFC is an important tool in poverty alleviation through creation of working opportunities for beneficiaries. The facility improves the economic and social status through poverty alleviation, employment creation and income generation for low income farmers with limited opportunities. Through this facility, the government mainly targets to improve the livelihood and food sufficiency among the rural populace. However, loan repayment is faced by high levels of defa...
Abstract The Government of Zimbabwe launched the Zimbabwe Agenda for Sustainable Socio Economic Transformation in 2013.The government called upon all Ministries to mainstream Zim Asset into their sectors. The economic changes catch up with international and regional efforts to improve the education systems in ways that are relevant to pupils who in turn would drive economies. The improvements challenge the negative consequences of colonial education in Africa and Zimbabwe in particular. Thi...
Abstract The research analysed the purpose of and effects of social movement in Zimbabwe through examining acts of activism by prominent movements such as Tajamuka. This research is important to both the government and citizens as social movements are a gravity which influences the governance of this country hence the phenomenon has to be extensively understood. Government policies disturb every citizen in Zimbabwe and the actions that are taken by people against the government will generall...
ABSTRACT The survey of the study reported hen: was carried out between April and July 1997 'l he study sought to determine the factors perceived by bank executives as hindering the career progress of women in commercial banks, It also sought to determine the executives attitudes towards female managers , The population of interest was all commercial banks with asset values of over five hundred million Kenya Shillings . The information sought was collected using a questionnaire which was compl...
ABSTRACT Youth unemployment is on the rise in Narok County as it poses huge economic challenges and it leads to unsustainable growth of the economy. The aim of this research is to investigate the effects of youth unemployment and how it affects income. The econometric model that was used in the empirical analysis is the Mincerian earnings function model. The following diagnostic tests were carried out; multicollinearity and heterocedasticity. The study shows that youth unemployment greatly a...
ABSTRACT This study aims to research on the use of Indigenous Knowledge Systems employed in child health care with a case study of Mutare so as to reduce child mortality. The study also discusses the leading causes of child mortality in Mutare and the factors that contribute to increased child mortality like religious beliefs and cultures that do not support visiting clinics and hospitals. It looks at how effective are these IKS in addressing child mortality which is an issue of concern in d...
ABSTRACT The concept of corporate social responsibility has prevailed since time immemorial and has for a long time paved way for organizations’ to have moral, ethical, and philanthropic responsibilities in addition to their responsibilities to earn a fair return for investors and comply with the law. For a long time, corporate social responsibility has raised issues on who actually benefits from the CSR initiatives. Business analysts have documented that CSR benefits the organization by pu...
ABSTRACT The critical role played by small and medium enterprises in growing economy cannot be underestimated. Small and Medium Enterprises (SMEs) are characterized by rapid growth and the potential to create employment and boost the GDP. Performance of Small and Medium Enterprises (SMEs) are signs of economic growth in many counties in Kenya and beyond. Although there has been improved access to credit by SMEs overtime, SMEs have continued to suffer financial challenges. Existing research in...
ABSTRACT The study sought to establish the influence of tacit knowledge sharing on the performance of public sector in Kenya. The study objectives were: To determine the tacit Knowledge factors and their effect on public sector performance, to establish interventions that the public sector can utilize to enhance tacit knowledge sharing and consequently public sector performance. The study was guided by intellectual capital theory, constructivism theory; self-efficacy theory, knowledge economy...
ABSTRACT For any government to effectively carry out its primary function and other subsidiary functions, it requires adequate funding. Taxation generates public funds to governments through structured approaches. The amount of tax revenue realized or expected by any state is determined and influenced by various economic factors ranging from micro to macro-economic. In Kenya, tax revenues have, for quite some time, remained low relative to the effort and tax policies in place. This study exam...
ABSTRACT Intrinsic motivation occurs when people engage in an activity such as a hobby without external incentives. Social and educational psychologists have studied this form of motivation since the early 1970’s. Research has found that it is usually associated with high achievement and enjoyment by employees. Research has shown that increased workforce motivation contributes to increased productivity and innovation, creative problem solving, reduced turnover and decreased absenteeism. How...
ABSTRACT Businesses operate in a world in which information is more readily and publicly available than ever before. Thanks to the development of the Internet, information on market trends, legislation, customers, suppliers, competitors, distributors, product development and almost every other conceivable topic is available at the click of a mouse. Search engines, online libraries, company websites and other sources provide information in an increasingly plentiful, easy to find, and easy to d...
ABSTRACT The study aimed at evaluating employee perceptions on the reward system adopted by Telone Pvt Ltd. It was motivated by the continuous decrease in employee performance through poor revenue collection ,poor customer service and prolonged time in fixing faults even in the presence of a reward system . The study examined the effectiveness of the reward system, its effect on employee perceptions and the challenges of the current reward system. Literature put forward by different scholar...