Application of multiple discriminant analysis credit scoring models, for credit card consumers - the case of Barclaycard Kenya

Credit risk analysis is a process that allows financial institutions to minimize the amount of follow-up on late payment and loan default to be performed. In order to reduce credit card default risk at Barclaycard Kenya and other credit card lenders in Kenya, this study investigates the suitability of multiple discriminant analysis model in differentiating between good and bad credit card holders. Secondary data comprising of 100 good and 100 bad card holders was collected from existing customers application forms.

Factors influencing uptake of the youth enterprise development fund in Samburu east constituency, Kenya

Driven by the need to address the high levels of youth unemployment in Kenya, the government established the Youth Enterprise Development Fund. The objective of the fund is to provide the youth with access to affordable credit either as individuals or in groups. Since its inception in 2006, it has disbursed billions of shillings countrywide. However, there are huge disparities in uptake of the availed credit across the 47 counties. Among the counties with the lowest uptake is Samburu County. Indeed, according to the 2013 status report of the youth fund, the county was ranked last.

The effect of firm specific factors on financial performance of Commercial Banks in Kenya

Performance of commercial banks is of importance to the investors since it impacts on the return on investment, it is also a critical measure of economic strength of a country that warrants a stable investment. Determining the specific factors that affect firm performance has been a subject of empirical discussion. The objective of this study was determining the effect of firm-specific factors on commercial banks’ financial performance in Kenya. To accomplish this goal, the study implemented a descriptive research design to test the link between variables.

Influence of expansion programs on the performance of commercial banks: the case of banks in Nairobi county, Kenya

This study sought to establish the influence of expansion programs on the financial performance of commercial banks in Nairobi County, in Kenya. The study aimed at establishing whether the financial performance of the commercial banks is influenced by the banks decision to invest in expansion programs. The study sought to answer the following research question, how does Opening of new branches influence the performance of Commercial banks in Nairobi County? How does Growth in Customer Base influence the performance of Commercial banks in Nairobi County?

The Effect of Electronic Banking on Liquidity of Commercial Banks in Kenya

The motive of this research was to examine the effects of electronic banking on liquidity of commercial banks in Kenya. The research was conducted to find out how ATMs, POS, internet banking and mobile banking affect the banks’ liquidity. Banks’ major income is from the interest on loans. The banks use the short-term customer deposits to finance long-term loans therefore liquidity is indispensable for a bank’s survival. Cash is a key operating tool and its availability affects performance of the banks.

The Effect of Electronic Banking on Liquidity of Commercial Banks in Kenya

The motive of this research was to examine the effects of electronic banking on liquidity of commercial banks in Kenya. The research was conducted to find out how ATMs, POS, internet banking and mobile banking affect the banks’ liquidity. Banks’ major income is from the interest on loans. The banks use the short-term customer deposits to finance long-term loans therefore liquidity is indispensable for a bank’s survival. Cash is a key operating tool and its availability affects performance of the banks.

Factors Influencing the Uptake of Devolved Funds in Kenya: A Comparative Study of Youth Enterprise Development Funds [Yedf] and Women Enterprise Development Fund [Wedf] In Kaloleni Constituency-Kilifi County-Kenya

This was a relative investigation of youth venture advancement reserves [YEDF] and ladies endeavor improvement finance [WEDF] in Kaloleni Constituency-Kilifi County-Kenya. Devolution or decentralization has been one regular imperative for tending to an extensive variety of issues, for example, monetary wasteful aspects, macroeconomic flimsiness, administration lacks, and poor conveyance of open administrations (Akai and Sakata, 2002). As per Bossert and Beauvais (2002), decentralization is sought after for an assortment of reasons: specialized, political, and monetary.

Effect Of Interest Rates Changes On Financial Performance Of Insurance Firms; A Survey Of Life Insurance Policy In Kenya

Interest rates are one of the economy single strongest influences and have a profound effect on everything from individual investment decisions to job creation, monetary policy and corporate profits. Economic environments have an intense consequence on the growth of the insurance companies. A strong insurance industry promotes a developed contractual saving sector which contributes to a more resilient economy that would be less vulnerable to interest rates and demand shocks while creating a more stable business environment, including macroeconomic stability.

Business Process Improvement And Operational Efficiency Of Microfinance Institutions In Kenya

Unlike the financial institutions in the financial sector, the large majority of MFIs globally have not been sustainable. They have depended on donor funding, subsidies, and gifts from governments, to remain in operation because they were unable to cover their costs, and were not self-sufficient. One study exposed that 30 percent of local microfinance schemes working in 2011 were either no more extended in operation or were no longer loaning capital two years after the fact. Microfinance institutions in Kenya face a myriad of challenges that greatly affect their performance.

Financial Development, Economic Growth And Poverty In Kenya

It is evident that the financial sector in Kenya has grown rapidly in the last decade. However, the economy has had a low fluctuating growth and poverty levels have remained rampantly high. The effect of financial development on economic growth and poverty and especially the efficiency and quality aspects of financial sector development have been ignored. Again, Kenya‘s financial sector is more advanced compared to other African countries but the factors explaining this disparity have not been examined. This study, therefore, aimed at filling this research gap.

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