The effect of interest rates spread and management efficiency on the growth of lending among commercial banks in Kenya

Despite the liberalization of the financial sector, high interest rate spreads is still an issue of concern in a number of African countries, including Kenya. Commercial banks set interest rate levels for deposits and loans which has resulted to widened interest rates spread over the years. Interest rates charged to borrowers remain relatively high compared to interest rates earned by the savers. Excessive interest rates discourages potential borrowers which limits the level of growth on lending and increases the level of non-performing assets due to high level of default.

Meeting housing demand in medium sized towns in Kenya: A Case study of Kericho town

The focus of the study is on housing demand in Kericho. Housing demand is a function of income and the proportion of it that people are able and willing to spend on housing and the cost at which housing units are provided. It is considered normal in Kenya for people to spend 20% of their incomes on housing. This study has, therefore, endeavoured first to establish the average income levels in Kericho Town and the proportion of such incomes spent on housing. Secondly, the study has focused on the issue of housing affordability.

The effect of financial risk management on the financial performance of commercial banks in kenya

Financial risk management is considered by researchers as a yard stick for determining failure or success of a financial institution. It has not been given much attention in recent times. This research work sought to bring to light the need for financial institutions to pay attention to the management of risk. It is obvious that the aim of every business is to maximize shareholders wealth and acquire substantial profit either for expansion or to undertake new product development.

Factor analysis of customers perception of mobile banking services in Kenya

Mobile banking service, M-Shwari, allows users to save, earn interest and borrow loan over a short period of time using their mobile phones. The service has a potential to spur economic growth if consumers could understand the concept, its' benefits and adopts it. In our study, we investigated factors that influence the adoption of mobile banking services in Kenya. In particular we have shown empirically that the influence of the intervening demographic factors and the consumer perception may have differential impact in emerging market as compared to developed market situations.

The influence of financial risk management on the financial performance of Commercial Banks in Kenya

Financial institutions are faced with critical challenges of finding new and better ways to increase top-line revenues, maintaining necessary capital ratios, improving margins, strengthening balance sheets and enhancing efficiencies within the organization. Commercial Banks therefore employ financial risk management practices whose objective is not to prohibit or prevent risk taking activity, but to ensure that the risks are consciously taken with full knowledge, clear purpose and understanding so that it can be measured and mitigated.

A survey of the factors influencing accessibility of credit to independent petroleum dealers in Nairobi and its environ

Trade credit is a significant source of financing business. It enables businesses to expand their sales volume and carry out promotional activities. However this form of credit is not usually available to small businesses. This is because financial institutions do not provide trade credit to small businesses as they perceive them as risky. Most independent petroleum dealers are small businesses and mostly do not easily access loans. This study therefore sought to find out the factors influencing the accessibility of credit to independent petroleum dealers within Nairobi and its environs.

Effect of macroeconomic factors on Commercial banks lending to agricultural Sector in Kenya

The study sets out to investigate the effect of macroeconomic factors on commercial banks' lending to agricultural sector in Kenya. The relationship between the effect of macroeconomics factors and sectoral lending by commercial bank is of major concern in the bank lending function in an economy. Commercial banks use the findings of the effect of macroeconomics to predict the performance of sectors in order to take precautionary measures in lending to avoid financial crisis. Insufficient supply of agricultural sector credit is one of the constraints to modernizing agricultural production.

The effect of level of deposits on financial performance of Commercial Banks in Kenya

The study was on the effect of the level of deposits on financial performance of commercial banks in Kenya. The main issue was that there had been a gradual rise in customer deposits in Kenya. The profitability of the banking sector has also been on the rise. So, the empirical problem was whether there exists a relationship between the customer deposits and banks profitability. The problem of the study and the research gap is based on the observation that there exists conflicting evidence of the effect of deposits on bank financial performance.

Determinants of money supply in Rwanda

Before mid 1990s economic reforms, the National Bank of Rwanda had the task of implementing monetary policy and supporting government policies including financing government debt. Since the implementation of reforms, the financial sector has evolved and the National Bank of Rwanda has adopted an indirect monetary policy. Whether the National Bank of Rwanda can exogenously determine money supply and what are the main determinants of money supply in Rwanda, are empirical questions. The main objective of this study was to investigate the main determinants of money supply in Rwanda.

Effect of microfinance services on the growth of persons with disabilities self help groups in Kenya

The United Nations Economic and Social Council estimates that 650 million people or about 10% of the world‘s population as people suffering from some form of disability of whom 80% are within developing nations. The current existing challenge is that there have never been enough studies on the relationship between recognizing disability and promoting successful development. The Millennium Development Goals (MDGs) call for increased focus on poverty reduction; disability and poverty are mutually reinforcing, as disability can be a cause of poverty and poverty can be a cause of disability.


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