Distance Learning provides people in employment with the opportunity to acquire degrees through a flexible and cost-effective process. Although the Higher Education Loans Board (HELB) finances higher education in Kenya, no provision has been created to finance distance learners. In view of this, over 70% of distance learners experience fee payment difficulties and another 34% drop out annually. In response to the situation, learners have adopted various financing practices, which remain unexplored and undocumented.

Consumer perception is an important tool for evaluation of marketing strategies. The marketers are keen on checking the consumer perception towards service, quality of products, pricing, packaging and the sales promotion activities. Consumer perception depends on the relationship between a consumer and the business organization and various aspects of services provided by the company for example, quality and reliability. It is therefore important for marketers to have a profound knowledge on various factors that affect consumer perception of their products and services.

Bank restructuring IS an important aspect in minimizing bank failures and in improving the financial performance of banking institutions in both developed and developing countries. Bank restructuring is usually necessitated by bank failures where it serves as a medication for restoring financial health to individual banks and financial systems. Banks also restructure to avoid anticipated negative impact on performance of the banks either as a result of the changes in the broad macroeconomic .environment or changes in the business environment.

During the early “liquidity phase” of the financial crisis that began in 2007, many banks – despite adequate capital levels – still experienced difficulties because they did not manage their liquidity in a prudent manner. The crisis drove home the importance of liquidity to the proper functioning of financial markets and the banking sector. Prior to the crisis, asset markets were buoyant and funding was readily available at low cost.

Low stable inflation is virtually the main policy objective for most of the Central Banks around the world pursued in the context deregulated interest rate regime, globalization and rapid adoption of modern information and communication technologies. As a result, the interest rate channel of monetary transmission mechanism has attracted much more attention than ever before.

SMEs are generally undercapitalised, suggesting major operational difficulties in accessing credit and pursuing corporate goals. The Baseline Survey (2000) showed that only six percent of SMEs successfully applied for and used credit. It is unclear how the rest who form the majority, meet their working capital and investment'needs.

The challenges facing women entrepreneurs in Kenya have really affected entrepreneurship growth rate among the females. Many women have different business ideas, but putting the ideas into practice and running a competitive enterprise is another difficult thing to them.

This study sought to investigate the influence of microfinance products on the growth of small and medium enterprises in South Gucha Sub County, Kisii County, Kenya. It was guided by the objectives: to investigate the influence of credit facilities, training of entrepreneurs, savings and conditions of service on the growth of small and medium enterprises in South Gucha Sub County.

Islamic banking is banking business whose aims and operations do not involve any element which is not approved by the religion of Islam. While the aim of both conventional and Islamic banks is profitability, the former heavily relies on interest for profits while the latter does not charge interest. The general objective of this study therefore was to evaluate the determinants of financial performance of conventional and Islamic banks in Kenya. This study adopted an explanatory research design.

The study was set to determine the critical factors that affect the accessibility of credit by small scale tea farmers. The study will assist small scale farmers with adequate knowledge on how to access credit and the approach in dealing with the challenges experienced. Financial institutions that provide credit will get information on the views of the small scale farmers who are their customers. The study is also a source of reference material for similar field studies. The survey design was used in the study, since the objective was to investigate the factors affecting credit access.