The effect of liquidity on the market value of Commecial Banks listed at the Nairobi Securities exchange

The objective of this study was to establish the existence of liquidity effect and its components on the market value of commercial banks listed at the Nairobi Securities Exchange. The study was a cross-sectional survey in which case the relationship between liquidity and market value of commercial banks listed at the NSE was determined. The dependent variable was the market value as measured through share prices while the independent variables were, cash position indicator, total deposit ratio, loan deposit ratio, liquidity ratio and earnings per share.

The effect of lending interest rates on financial performance of deposit taking micro finance institutions in Kenya.

Over the last five years, the country has witnessed a tremendous increase in the number of the Deposit Taking Microfinance Institutions. The objective of this study was to find out whether there exists a relationship between lending interest rates and the financial performance of Deposit Taking Microfinance Institutions in Kenya. The study involved collecting secondary data from Central Bank of Kenya, individual Deposit Taking Microfinance Institutions and the Association of Microfinance Institutions in Kenya.

The relationship between funding structure and financial performance of micro-finance institutions in Kenya

This study was carried out with the purpose of establishing the relationship between funding structure and financial performance of Microfinance institutions in Kenya. According to Hartarska (2005) microfinance is the provision of small scale financial services to low income or unbanked people while funding structure is the mix between equity and debt and it attempts to explain the mix of securities and financing sources used by corporations to finance real investment (Myers, 2006).

The effect of M-shwari services on financial access in Kenya: a case study of Kisii county by

ABSTRACT Mshwari is the revolutionary new banking product for Mpesa customers that allow an individual to save and borrow right from a mobile phone while earning interest on money saved. The literature on Mobile technology innovations and how it has improved the access to finance by the low income earners in Kenya is not available. Specifically, few studies have been done on the contribution of mobile banking to financial access. The contribution of M-shwari services to financial access has not been researched being a new product rolled out by Safaricom Limited in November, 2012.

Institutional Impediments To Access To Credit By Micro And Small Scale Enterprises In Kenya

female-owned and informal entrepreneurs are more inclined to borrow, they request for smaller amounts and enjoy lower success rates. Older and more educated entrepreneurs seek for and receive more credit than the younger and less educated. Spatial and size differences abound in the inclination to seek out credit and in the success rates. Urban-located and larger enterprises have higher success rates and receive more credit than others. The gap between credit demand and supply is phenomenal. Amounts received partly depend on the source from which credit is sought.

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.

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