FINANCIAL MANAGEMENT CHALLENGES IN THE BANKING SECTOR; A CASE OF EQUITY BANK HOMA-BAY BRANCH KENYA

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TABLE OF CONTENTS

DECLARATION ..................................................................................................................................... i

APPROVAL ........................................................................................................................................... ii

DEDICATION ....................................................................................................................................... iii

ACKNOWLEDGEMENT ..................................................................................................................... iv

TABLE OF CONTENTS ···················· ................................................................................................... V

CHAPTERONE ..................................................................................................................................... 1

1.0 INTRODUCTION ............................................................................................................................ 1

l.I STATEMENT OF THE PROBLEM ............................................................................................... 2

1.2 PURPOSE OF THE STUDY ........................................................................................................... 3

1.3 OBJECTIVE OF THE STUDY ........................................................................................................ 3

1.4 RESEARCH QUESTIONS .............................................................................................................. 3

1.5 SCOPE OF THE STUDY ................................................................................................................. 4

1.6 SIGNIFICANCY OF THE STUDY. ................................................................................................ 4

CHAPTER2 ........................................................................................................................................... 5

LITERATURE REVIEW ....................................................................................................................... 5

2.0 INTRODUCTIONS .......................................................................................................................... 5

2.lCONCEPTUAL FRAMEWORK ...................................................................................................... 5

2.1.linvestment decisions ....................................................................................................................... 5

2.1.2Financing decisions ........................................................................................................................ 6

2.2.3 Assessment management decision ................................................................................................. 6

2.2 FINANCIAL MANAGEMENT ST AND ARDS .............................................................................. 6

2.3 FINANCE AND ITS FUNCTIONS ................................................................................................. 7

2.3 .1 Cash flo\V forecasting ..................................................................................................................... 7

2.3.2Budget planning .............................................................................................................................. 7

2.3.31nanagement accounting ................................................................................................................. 8

2.3.4Finance forecasting and its acquisition ........................................................................................... 8

2.4TYPES OF DEBT AND EQUITY FINANCES ............................................................................... 8

2.4.1 Long term sources ......................................................................................................................... 9

2.4.2 Short-term sources ....................................................................................................................... 13

2.5 FEDERAL RESERVE SYSTEM ................................................................................................... 15

V

2.5.1 Purposes ....................................................................................................................................... 15

2.5.2 Current functions of the Federal Reserve System includ ............................................................ 16

2.6 FINANCIAL CRISES .................................................................................................................... 16

2.6.1 Types of financial crises .............................................................................................................. 16

2.6.2 Causes and consequences of financial crises ............................................................................... 18

2.6.3 Prevention measures .................................................................................................................... 21

2.7 MONETARY POLICIES ............................................................................................................... 22

2.8LEVERAGE (FINANCE) ............................................................................................................... 24

2.9 MEASURE OF ORGANIZATION PERFORMANCE ................................................................. 26

2.9.1 The current ratio .......................................................................................................................... 26

2.9 .2 Acid test ratio ............................................................................................................................... 26

2.9.3 Return capital employed .............................................................................................................. 27

2.9 .4 Gross and net profit margin ......................................................................................................... 27

2.9 .5 Growth and size of the business .................................................................................................. 27

CHAPTER THREE .............................................................................................................................. 28

THE RESEARCH METHODOLOGY. ................................................................................................ 28

3.0. INTRODUCTION ......................................................................................................................... 28

3.1. DESIGN ........................................................................................................................................ 28

3.2. SURVEY POPULATION ............................................................................................................. 28

3.3. SAMPLE SELECTION AND SIZE PROCEDURE ..................................................................... 28

3.4 METHODS OF DATA COLLECTION ......................................................................................... 29

3.5 INSTRUMENT FOR DATA COLLECTION ................................................................................ 29

3.6 DATA PROCESSING ANALYSIS AND INTERPRETATION .................................................. 29

3.7 QUALITY CONTROL ................................................................................................................... 29

3.8 LIMITATIONS .............................................................................................................................. 30

CHAPTER 4 ......................................................................................................................................... 31

PRESENTING, ANALYSIS AND INTERPRESENTATION OF RESEARCH FINDINGS ............ 31

4.0 INTRODUCTION .......................................................................................................................... 31

4.1 DEMOGRAPHIC CHARACTERISTICS OF RESPONDENCE .................................................. 31

4.2 RESPONSE RATE ......................................................................................................................... 33

4.3 RESEARCH QUESTION FIVE ..................................................................................................... 33

4.4 RESEARCH QUESTION 6 ........................................................................................................... 35

4.5 RESEARCH QUESTION SEVEN ................................................................................................. 35

vi

4.6 RESEARCH QUESTION EIGHT ................................................................................................. 36

CHAPTER FIVE ........................................................................................ , .......................................... 3 7

5.0 INTRODUCTION .......................................................................................................................... 37

5.1 CONCLUSION .............................................................................................................................. 38

5.2 RECOMMENDATION .................................................................................................................. 38

APPENDIX .......................................................................................................................................... 39

QUESTIONARE FOR THE EQUITY BANK MANAGEMENT AND STAFF ................................ 39

KAMPALA UNIVERSITY .................................................................. Error! Bookmark not defined.

BIBLIOGRAPHY ................................................................................. Error! Bookmark not defined.

vii

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APA

Research, S. (2022). FINANCIAL MANAGEMENT CHALLENGES IN THE BANKING SECTOR; A CASE OF EQUITY BANK HOMA-BAY BRANCH KENYA. Afribary. Retrieved from https://afribary.com/works/financial-management-challenges-in-the-banking-sector-a-case-of-equity-bank-homa-bay-branch-kenya

MLA 8th

Research, SSA "FINANCIAL MANAGEMENT CHALLENGES IN THE BANKING SECTOR; A CASE OF EQUITY BANK HOMA-BAY BRANCH KENYA" Afribary. Afribary, 13 Aug. 2022, https://afribary.com/works/financial-management-challenges-in-the-banking-sector-a-case-of-equity-bank-homa-bay-branch-kenya. Accessed 24 Sep. 2022.

MLA7

Research, SSA . "FINANCIAL MANAGEMENT CHALLENGES IN THE BANKING SECTOR; A CASE OF EQUITY BANK HOMA-BAY BRANCH KENYA". Afribary, Afribary, 13 Aug. 2022. Web. 24 Sep. 2022. < https://afribary.com/works/financial-management-challenges-in-the-banking-sector-a-case-of-equity-bank-homa-bay-branch-kenya >.

Chicago

Research, SSA . "FINANCIAL MANAGEMENT CHALLENGES IN THE BANKING SECTOR; A CASE OF EQUITY BANK HOMA-BAY BRANCH KENYA" Afribary (2022). Accessed September 24, 2022. https://afribary.com/works/financial-management-challenges-in-the-banking-sector-a-case-of-equity-bank-homa-bay-branch-kenya