School of Business

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Cash management practice, SACCO size and Kenya’s deposit taking saving and credit co-operatives financial sustainability
(Jurnal Perspektif Pembiayaan dan Pembangunan Daerah, 2020) Kiai, Richard Muthii; Kyalo, Teresia Ngina; Maina, Justus Nderitu
Deposit taking Savings and Credit Co-operatives (SACCO) are solution to social dilemmas like abject poverty, living standards and unemployment. Nevertheless, 14 percent do not maintain sound cash management practices despite SACCOs oversight authority in Kenya offering guidelines and supervision to the enterprises that would assist in maintaining their financial sustainability. This necessitated for the evaluation of the moderating effect of SACCO size on cash management practice and financial sustainability. A descriptive cross-sectional survey design with a positivism philosophical paradigm was adopted. Emailed questionnaire and data collection sheet were used in data collection which registered a 95 percent response rate. A binary logistic regression results established that with presence of a moderator for the predictor sub-variables, the strength of the relationship between variables registered an insignificant change but with introduction of interaction term, the strength of relationship between variables changed. The study concluded that SACCO size portrayed a statistically significant moderating effect on predictor sub-variables and response variable. The study thus recommends that the management need to consider increasing their SACCO sizes through merging, acquiring the non-performing SACCOs or even conducting intensive marketing since large size SACCO have low chances of being financially unsustainable.
Effect of HIV/AIDS on Social Welfare of Elderly Caregivers in Igembe South Sub-County, Kenya
(International Journal of Science and Research, 2015) Maina, Justus Nderitu; Marete, Jane Gakii
The purpose of this study was to assess the effect of HIV/AIDS on social welfare of elderly caregivers in Igembe South SubCounty. Descriptive survey design was adopted where a purposively selected sample of 220 elderly caregivers were involved in the focus group discussions and key informants interviews. Descriptive statistics was used to analyse the data. The study established that lack of participation in social activities affected the elderly caregivers’ interpersonal relationships negatively and felt that they were treated unfairly by the community because of stigma and discrimination associated with HIV/AIDS. The study recommended that stakeholders like NGOs, CBOs, Government and members of public need to develop and implement programmes that will assist elderly caregivers in prevention stigma and discrimination from the society, hence improve their social welfare.
Credit Management Practice, SACCO Size and Financial Sustainability of Deposit Taking Saving and Credit Co-Operatives in Kenya
(Journal of Accounting, Finance and Auditing Studies, 2020-06) Maina, Justus Nderitu; Kiai, Richard Muthii; Kyalo, Teresia Ngina
Purpose:Deposit Taking Saving and Credit Co-operatives facilitates financial intermediation, inclusion and deepening. In spite of this, 30 percent do not operate with prudent credit management practices attributed to unremitted deductions by employer institutions or borrowers’ default and unskilled employees. This makes them prone to de-licensing for being financially vulnerable thus, putting members’ funds at risk. This is still a puzzle even with the investment by the government on an oversight authoritythat can ensure they are compliant to the regulations so as to maintain financial sustainability. This study was conducted to establish the moderating effect of SACCO size on credit management practice and financial sustainability. The information asymmetry theory was adopted where the study population was the Kenya Deposit Taking Saving and Credit Co-operatives. Design and Methodology:A descriptive cross-sectional survey design with a positivism philosophical paradigm where the sample size was 119 respondents out of which 95 percent responded. Emailed questionnaire and data collection sheet were used in data collection. Findings:A binary logistic regression was carried out where it was established that with presence of a moderator for the independent sub-variables, the strength of relationship between variables didn’t change (Nagelkerke R2 = 20.1 percent) but with introduction of interaction term, the strength of relationship between variables changed (Nagelkerke R2 = 27.2 percent). However, the relationship strength between variables didn’t change with presence of a moderator for the independent variable (Nagelkerke R2 = 19.9 percent). Conclusion and recommendation:This study thus, concluded that SACCO size had a significant moderating effect on the independent sub-variables but the overall independent variable did not show any significance. This study recommended that SACCO size should only be considered while addressing credit risk mitigation and staff competence of DT-SACCOs in an effort to improve their financial sustainability.
Drivers of Growth of Women-Owned Micro Enterprises in Meru Municipality, Kenya
(Scholars Middle East Publishers, 2016) Maina, Justus Nderitu; Mwiti, Jedidah Karwitha
The study aimed at assessing the drivers of growth of women-owned micro enterprises in Meru Municipality, Kenya. The study employed descriptive research design. Self administered questionnaires were used to collect data from the respondents. Descriptive statistics was used to analyze the data. Analyzed data was presented in the form of frequency tables, pie charts, bar graphs and percentages. The study concluded that, there is need for women entrepreneurs to participate in entrepreneurship trainings and beneficial associations. The study recommended that: Private sectors and NGOs in collaboration with the government should be encouraged to come up with programs of inculcating women entrepreneurship culture through business conferences, exhibitions, foreign tours. Such forums will act as learning centres for women entrepreneurs.
Implications of basel iii accord adherence on financial distress status of commercial banks in Kenya
(2016-07) Maina, Justus Nderitu; Muriithi, Maitai Jedidiah; Meeme, Mario M; Kinyariro, Dickson Kamau
Credit information sharing and level of loan default in deposit taking saccos in Meru county, Kenya
(2016-04) Maina, Justus Nderitu; Kinyariro, Dickson Kamau; Muturi, Harrison Mwangi; Muriithi, Maitai Jedidiah

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