Effects of interest rate spreads on financial performance of mortgage banks in Kenya

It is widely believed that fluctuations of market interest rates exert significant influence on the activities of commercial banks. The effect of interest rate spread changes on banks’ profitability is shown to be asymmetric with the effect originating from lending rates being greater than those of deposit rates. The objective of this study was to determine the relationship between interest rates spread and the performance of mortgage banks in Kenya.

Strategy Implementation Challenges in State Corporations: the Case of Agricultural Finance Corporation Kenya

Strategy implementation is tougher and more time consuming than strategy formulation. The process requires action-oriented and operations-driven people and systems management activities of leading, motivating, organizing, engineering business processes, and creating strong fits between strategy and how the organization does things. The process of strategy implementation faces many challenges leading to most organizations failing to successfully implement their strategies.

Strategic Responses by Microfinance Banks to the Dynamism of the Economic Environment: Capping of Interest Rates by Central Bank of Kenya

The business environment is highly dynamic posing various opportunities and threats to organizations. Strategic realignments are therefore inevitable in the current business environment. Organizations are tasked to continuously scan and assess the internal and external environment and develop appropriate strategies to survive and remain competitive amidst the changes in the environment. The banking sector has undergone a paradigm because of many changes in the economic environment affecting their performance.

The Effect of Bank Distress on the Kenyan Economy

The study aimed at establishing the various factors that affect the real GDP of the Kenyan economy, however great emphasis is on the effect of bank distress on the performance of the economy. The study used a time series data for the period from 1985 to 2015.The study applied a Vector Error correction model as determined by the presence of cointegration through the use of the Johansen test of cointegration.

Credit access, constraint and default: evidence from small scale enterprises in urban Liberia

Small enterprises in the post-war Liberia have huge potential of reversing the negative consequences of conflict and spurring economic growth. However, they are trapped in financing difficulties that impede their investment financing and expansion. This study reinforces the discussion that the credit market of Liberia is segmented and underdeveloped, with high level of asymmetric information, which has implications for screening errors in processing of loans, credit market participation and access, and credit default.

Effects of Financial Deepening on the Entrepreneurial Growth in Kenya: a Case Study of Smes Within Nairobi County

This research project’s aim was to define the effects of financial deepening on entrepreneurial growth in Kenya. The financial deepening indicators comprised of credit received by entrepreneurs/SMEs, the affordable nature of interest rates, savings culture coupled with the financial sector regulation. This research study employed a descriptive survey design and data was retrieved from both primary and secondary sources. Primary data was retrieved with the aid of a questionnaire while secondary data was retrieved from expressive documentary analysis.

Effect of corporate governance on credit risk management in commercial banks in Kenya

The central aim of the management of a bank is to ensure that there is a maximization of shareholders wealth in the long run. The interpretation is that bank management aims at capitalizing on the company’s ordinary share market value. Corporate governance and risk management in any firm are closely related to each other. The firm’s performance sustainability is, moreover greatly dependent on the conclusive role played by both concepts. The present study’s drive was to examine how credit risk management in commercial banks in Kenya is impacted by corporate governance.

Effects of access to credit on profitability of small and medium enterprises in Roysambu sub-location, Nairobi county

This study was designed to investigate the Effects of Access to Credit on Profitability of Small and Medium Enterprises in Nairobi County. The availability of external finance for small and medium enterprises (SMEs) is a topic of significant research interest to academics and an important issue to policy makers around the globe. Majority of entrepreneurs in the SME sector are still considered not credit worthy by most commercial banks because of their inability to fulfill certain banking terms and conditions.

Relationship between interest rates spread and financial performance of commercial banks in Kenya

The banking society in Kenya has experienced regulatory changes for the last five years. The regulatory guidelines are based on interest rates of credit facilitates and deposits interest rates in which a regulated by the interest rate bill 2014 and interest rate bill 2016 through an act of parliament. The bill restricts all commercial banks and other financial institutions to charge interest rate not exceeding 4.00% more than CBK lending rates which stands at 10.00% by August 2016.

Effect Of Membership Outreach On Operational Self-Sufficiency Of Microfinance Banks In Kenya

Microfinance has become an important tool in providing financial access and safety net to the poor. Microfinance plays a key role in poverty alleviation across the world, both in policy, academic discussions and in general practice (Ghatak, 1999). Outreach of MFBs in Kenya has been inadequate with possible impact on their operational self-sufficiency. However, little is known on how membership outreach affects Operational self-sufficiency leaving a big knowledge gap that informed this study.

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