Department of Economics and National Developmenthttps://karuspace.karu.ac.ke/handle/20.500.12092/18762024-03-28T11:37:51Z2024-03-28T11:37:51ZModerating Effect Of Bank Size On Nexus Between External Equity Capital And Financial Performance Of Lower-Tier Commercial Banks In KenyaKinyua, Patrick KarukiKiai, RichardMuriu, Stephenhttps://karuspace.karu.ac.ke/handle/20.500.12092/29782023-11-21T00:00:34Z2023-01-01T00:00:00ZModerating Effect Of Bank Size On Nexus Between External Equity Capital And Financial Performance Of Lower-Tier Commercial Banks In Kenya
Kinyua, Patrick Karuki; Kiai, Richard; Muriu, Stephen
The Kenyan banking sector is categorized into three tiers, tier I, II and III based on bank size. The
profitability of tier II and III has been declining begging the question as to whether the size of the bank
has any influence on the performance of the banks. This study determines the influence of internal
equity capital on the financial performance of lower-tier commercial banks in Kenya. The study
employed a descriptive and explanatory research design. The study population was 26 commercial
banks in Tier II and III commercial banks in Kenya from 2016 to 2020. The average internal equity for
lower-tier commercial banks in Kenya was .364 in 2016 and .400 in 2017. In 2018, the internal equity
sharply rose to 8.299, which was followed by a small decline to 7.782 in 2019 signifying that in 2018
and 2019, lower-tier commercial banks in Kenya employed more internal equity financing to finance
their operations. Through the hierarchical regression, it was established that internal equity has a
positive and significant influence on the financial performance of lower-tier commercial banks in
Kenya. Bank size does not moderate the effect of internal equity on the net profit margin of lower-tier
commercial banks in Kenya (p = .202>0.05; R2 change of 0.07). The study recommends that lower tier commercial banks need to encourage its shareholders to re-invest back their earnings rather than
consuming them as dividends as internal equity is affordable and readily available when the bank is in
urgent financial need.
Financial performance of lower tier commercial banks in
Kenya
2023-01-01T00:00:00ZAnalysis of Post Loan Disbursement Allocation and Performance of Non-Prime Household Loan in Microfinance Banks in KenyaWachira, Bernard Ndiranguhttps://karuspace.karu.ac.ke/handle/20.500.12092/27802023-02-15T00:00:13Z2017-08-01T00:00:00ZAnalysis of Post Loan Disbursement Allocation and Performance of Non-Prime Household Loan in Microfinance Banks in Kenya
Wachira, Bernard Ndirangu
The part played by non-prime household loans in improving the lives of many people who cannot afford collateral glob-ally cannot be ignored. Many Microfinance Banks in many economies worldwide have tried to maintain the Grameen Bank Model of granting microloans, mainly non-prime household loans. However, the credit risks associated with this initiative hamper the pace at which the granting of this credit facility is expected to grow. This study intends to explore the relationship between the post loan disbursement allocation and the performance of non-prime household loans in the Microfinance Banks in Kenya. The theory associated to this study is the Credit Risk Theory. This theory, which is regarded as credit structural theory, was developed by Merton in 1972. The descriptive survey research design method was applied, and the sample size was 150 respondents. The data-collection tool used was a questionnaire. A logistic regression analysis was conducted for the purpose of predicting non-prime household performance in the Microfinance Banks using training budget, recoveries budget, percentage of training budget, and percentage of recoveries budget as predictors. The Wald test shows that training budget, recoveries budget, and percentage of training budget were good predictors, making a significant contribution to prediction. The percentage of budget on recoveries was not a significant predictor. The Microfinance Banks should enhance the performance of non-prime household loans through capacity building to the borrowers and educate the borrowers on dangers of enforced loan recoveries. The government, through the Central Bank of Kenya, should have a training policy for the Microfinance Banks so that they can enlighten the borrowers on proper financial management to avoid conflicts with borrowers during loan recoveries.
Nonprime household loans
2017-08-01T00:00:00ZFinancial control and growth of private primary schools in KenyaKiambati, KellenNjiri, JuliusMwenja, DominicMbugua, Levihttps://karuspace.karu.ac.ke/handle/20.500.12092/24682021-02-04T00:00:19Z2020-10-01T00:00:00ZFinancial control and growth of private primary schools in Kenya
Kiambati, Kellen; Njiri, Julius; Mwenja, Dominic; Mbugua, Levi
Proper management of finances in private primary schools is very imperative to their operations. There are, however, serious financial challenges in these private schools in Kenya as characterized by unprecedented high fees charged on students. The objective of this study was to assess the role of financial control in the growth of private primary schools in Kenya. The study was guided by the Cash Management Theory that gives emphasis to reasonable ways to deal with organizational finance
management and efficient utilization as well as the Endogenous Growth Theory which stipulates that, in the long-run growth rate depends on a stable business environment. The study employed both quantitative and qualitative study design, which targeted 7,418 private primary schools in Kenya. Accessible population constituted of 3,431 heads of schools in four regions of Kenya namely: Nairobi, Central Kenya, Northeastern, and the Coastal regions. A random sampling method was used to draw
a sample of 320 respondents who were either the principals’/Head teachers or deputy principal of the schools. A structured questionnaire was used to collect data. Structural Equation modeling using Analysis of Moment Structures was used to analyze the data. The fitness of the hypothesized structural and measurement models was tested using the Normed Fit Index and the Root Mean Squared Error. The overall path coefficients obtained were positive and significant at a 0.05 level of significance. The
study established that financial control positively and significantly influenced the growth of private primary schools. The study recommended that private primary schools should have effective budget management mechanisms and strong financial controls
2020-10-01T00:00:00ZMotivation and retention of teachers in private secondary schools in KenyaKariuki, Annehttps://karuspace.karu.ac.ke/handle/20.500.12092/24532020-11-03T00:00:14Z2020-10-01T00:00:00ZMotivation and retention of teachers in private secondary schools in Kenya
Kariuki, Anne
Employee retention has become a key focus of the human resource professional agenda. Organizations and schools have come to the conclusion that money could be saved by reducing employee turnover. However, studies have been inconclusive on motivating factors that lower employee retention. The main objective of this study was to determine the influence of motivation on the retention of employees in secondary schools in Kenya. Based on an exhaustive review of literature, three constructs of
motivation were taken into consideration namely management. The major hypothesis of the study was that motivation significantly influences the retention of teachers in private secondary schools. To test the hypothesis, three sub-hypotheses were developed; compensation significantly influences employee retention; supervision significantly influences employee retention and psychological contract significantly influences employee retention. A mixed methodology approach was adopted and data was collected using a structured questionnaire and a structured interview guide. Descriptive statistics including frequencies, correlation analysis, and linear regression were applied to test the research hypotheses. The regression results indicate that motivation is causing a 7.0 percent variation in retention, implying a weak relationship. The weak relationship can be explained by poor salaries, authoritarian supervision, and breach of the psychological contract
2020-10-01T00:00:00Z