125 Records out of 22207 Records

Factors influencing rural women entrepreneurs to access micro credit services in Sirisia Division, Kenya

Author: Silikhani, Regina Nafula

Awarding University: University of Nairobi, Kenya

Level : MA

Year: 2012

Holding Libraries: University of Nairobi Jomo Kenyatta Memorial Library ;

Subject Terms: Rural areas/Women owned businesses/Entrepreneurs/Microfinance/Sirisia Division, Bungoma District ;

Abstract:

This study was designed to investigate factors influencing rural women entrepreneurs to access micro credit services in Sirisia Division. The study aimed at finding out how infrastructure, education, traditions, collateral requirements and technology influenced rural women entrepreneurs to access micro credit services even in the advent of affordable rates. This study adapted a descriptive survey design as a major method of research where questionnaires were used to collect data from a sample of women entrepreneurs under the study. The instruments of data collection were reliable having been tested through the Test Rest approach. Concerning the validity of the instruments, content validity was applied to ensure that the instruments represented what they were designed to measure. The target population was 488 women entrepreneurs according to locations. A sample of 220 women entrepreneurs was selected through systematic random sampling. Collected data was then analyzed by use of descriptive statistics constituting frequencies and percentages. Previous studies had shown that microfinance institutions played a vital role in the economic development of many developing countries through the provision of a wide range of financial products and services to the rural poor, low-income households and micro and small enterprise. The study revealed that access to credit facilities by rural women entrepreneurs was greatly influenced by poor infrastructure, low level of education, inadequate collateral requirements and inappropriate technology. It then concluded that women entrepreneurs needed education and sensitization on business and financial management as well as embracing technology so as to minimize defaulting and exits. The study recommended that the policy makers put into consideration rural road network development and rural electrification so that rural women entrepreneurs enjoy doing businesses in the remote areas where their businesses operate and this will benefit even those outside the division and the society at large. Sensitization on the rights of women on property ownership should be reinforced for them to use valuable assets as security for loans. Rural women entrepreneurs also need technological enlightenment to enable them carry out activities concerning their businesses without relying on those with the knowhow. This will help them save on time and resources.

Factors influencing electricity connectivity in rural Kenya : a case of Mt.Kenya south sub-region of the Kenya power

Author: Wanyoike, Mwaura

Awarding University: University of Nairobi, Kenya

Level : MA

Year: 2012

Holding Libraries: University of Nairobi Jomo Kenyatta Memorial Library ;

Subject Terms: Electricity distribution/Kenya Power and Lighting Company Limited/Rural areas/Mount Kenya ;

Abstract:

Kenya is among the developing countries ranked as having the lowest connectivity to electricity in the world (less than 20%) which has negatively affected social progress. Preliminary investigation from literature reveals that, outsourcing, social economic factors, physical infrastructure and financing are likely to influence connectivity to the national grid. This research project uses a classic example of Mount Kenya south region of the Kenya Power to investigate the factors influencing electricity connectivity in rural Kenya. The research objectives were therefore to investigate the extent to which outsourcing of power line construction, socio-demographic factors, infrastructure and financing influence electricity connectivity in Mount Kenya south. Descriptive survey design was followed to collect primary data from 116 Kenya Power staff at five business centers of Mount Kenya south. Data analysis techniques included descriptive frequencies, aggregating scores and measures of central tendency. Findings indicate that, the four thematic factors were studied all influence electricity connectivity in Kenya but to different magnitudes. Infrastructure is the most influential factor at 92% followed by social economic factors at 27.6% whereas outsourcing is least important at 18%. Such results indicate that more policy attention needs to be accorded infrastructure and social economic factors. Other factors emerge that may influence connectivity such as the recent connection loan facility called 'Stima loan', electricity tariffs and rural settlement patterns. Such additional factors become crucial policy related factors that may influence electricity connectivity in rural Kenya. As a result, the researcher recommends policies that ensure improvement of rural physical infrastructure and more dense, rather than sparse settlement patterns to make supply of electricity cost effective. The country should also exploit alternative sources of power to supply those remote areas. Further studies are encouraged to investigate the extent to which Stima loans and prepaid metering system have influenced rural connectivity in rural Kenya.

Predictors of early mortality in HIV infected patients starting 1st line art

Author: Yegon, Peter Kipkurui

Awarding University: University of Nairobi, Kenya

Level : MSc

Year: 2012

Holding Libraries: University of Nairobi Jomo Kenyatta Memorial Library ;

Subject Terms: Predictions/Mortality/HIV infection/Patients/Antiretrovirals/Drug therapy/Clinical outcomes/Clinical trials/Rural areas/ ;

Abstract:

Despite widespread Antiretroviral Therapy (ART) availability, patients put on treatment suffer early mortality due to a number of factors. The Clinic-based ART Diagnostic Evaluation (CLADE) study is an open label, randomized control trial (RC'f) evaluating feasibility and superiority of2 ART treatment monitoring approaches in treatment-naive adults in district-level, non-research clinics in rural Kenya. A secondary objective is to examine baseline characteristics and mortality outcomes. Descriptive summary statistics and multivariate logistic regression (RR, 95% CI) are used to evaluate baseline characteristics and relationships with 6 month mortality. 820 adults were enrolled in the study (57.6% female, Mean age=37.6 (SD 9.0) years) with advanced disease: Mean CD4 count =166 (SDI06) cells/rum', Mean Viral Load = 231,901 (SD 246,242) copies/ml, WHO Stage III or IV= 28.8%, and Body Mass Index (BMI) <18.5=23.3%. 818 (99.7%) of those enrolled started ART treatment and were followed up in the study. Overall there were 70 deaths in the study (8.6%), the majority occurring within 6 months of initiating ART (80.0 %,). There was no significant study Arm differences (p=O.I) at 6 months. Univariate Logistic regression showed CD4 count (p<O.OOOI), Viral Load (p=0.0~6), World Health Organization (WHO) Staging (p<O.OOOI), Body Mass Index (BMI p<O.OOOl) and Hemoglobin (Hgb p=0.005) were independently associated with early mortality. In Multivariate analysis WHO staging (p=0.045) and Hemoglobin (Hgb p=0.023) levels were the only significant factors predicting early mortality controlling for CD4 count result, viral load and Body Mass Index (BMI). and early initiation of ART treatment. Intervention measures to deal with malnutrition and anemia need to be put in place to improve survival. Early Mortality still remains a challenge in HIV positive patients starting ART in rural clinics of South Rift Valley, Kenya. However this can be reduced by early HIV diagnosis

Surplus appropriation in rural households : a study of the beneficiaries of the One Acre Fund project in Western Kenya

Author: Wekesa, Gideon Wafula

Awarding University: University of Nairobi, Kenya

Level : MA

Year: 2012

Holding Libraries: University of Nairobi Jomo Kenyatta Memorial Library ;

Subject Terms: Farmers/Family income/Rural areas/Households/Credit/One Acre Fund/Western Kenya/ ;

Abstract:

Rural households often have extra resources not required for immediate consumption at some point in the year. Tapping into those extra resources to help rural households towards improved livelihoods is a great avenue for enhancing livelihood sustainability in rural areas. The research focused on beneficiaries of One Ac:.re Fund Project in Kanduyi Division. This is a project that supports rural farmers to maximize return from their maize farming activities. The farmers are taught best farming methods, they receive farm inputs in the form of loans and receive field extension services until when they harvest their produce then they are facilitated to store and market their produce gainfully. This study sought to examine the characteristics of households benefiting from the One Acre Fund, how the households use surplus and the factors that determine surplus appropriation the households. There are a number of researches that have been done to document the characteristics of Kenyan households. Other studies have been done in East Africa and other countries on factors that influence investment decisions in poor households. This study was inspired by the thinking that rural households are engaged in farming activities that help them generate some surplus. However, little research has been done to document how rural households use surplus and the factors that influence use of extra resources not required for immediate consumption. The aim of the research was to generate information on factors that influence surplus generation and use of surplus in rural households. Such information can inform government policy and approaches by development actors interested in empowering rural communities. A structured questionnaire was administered to 60 beneficiaries of the One Acre Fund sampled using systematic random sampling technique. Key informant Interviews were done with Field officers from the One Acre Fund while focus group discussions were held in three locations with community facilitators. The data collected provides information on household characteristics, surplus use in the households, and factors that influence use surplus within the households. Information gathered was analyzed quantitatively using descriptive and inferential statistics. Qualitative data was analyzed through generation of descriptive summaries. Data collected shows that households benefiting from the One Acre Fund are vulnerable due to small land holding, high unemployment, and relatively big household size, high dependency due to many children below 15 years and cash scarcity. The main household characteristic that affects surplus generation in the households is engagement in off farm and non-farm activities. Household's that engage in off-farm and non-farm activities had higher surplus than the households that relied only on farming. Quantity of farm produce used in a household is dependent on the household size. This means that household size is a major determinant of amount of surplus that a household can accrue in a year. Due to the mentioned household characteristics, household surplus use is geared towards investment in children's education, intensifying agricultural production, diversifying livelihood e.g. by starting business or building social capital in order to find helping hands during adversity. School fee is the major surplus expenditure item for the sampled households. This is largely because of perceived benefits of education where people in the area view education as a key to life in the changing socio-economic environment. School fees and basic needs like better shelter notwithstanding, many households are concerned with household livelihood diversification and spend their surplus or plant spend surplus on items such as buying milk cow, starting or expanding business and buying more land. The main household characteristics that influence surplus available to households are household size, household composition, and employment status of hous

Socio-cultural factors influencing the performance of women entrepreneurs in Mombasa county, Kenya

Author: Karani, Purity Kairuthi

Awarding University: University of Nairobi, Kenya

Level : MA

Year: 2012

Holding Libraries: University of Nairobi Jomo Kenyatta Memorial Library ;

Subject Terms: Mombasa County/Small business/Women owned businesses/Entrepreneurs/Business conditions/Rural areas ;

Abstract:

The purpose of the study is to examine on the socio-cultural factors influencing the performance of entrepreneurs in Mombasa County. Women especially those living in the rural communities the urban poor still face daunting challenges. It has been noted that women enterprises are smaller, less likely to grow, less profitable and begin less capital investment than those owned by men. Despite the absolute increase in number of women in self-employment in recent years, there still exist significant differences in the level of new firm creation across gender and the number of women involved in starting business is significantly and systematically lower than that of men. There are a large number of women in Mombasa County but they are not yet well exploiting existing entrepreneurship opportunities to contribute towards economic development. One of the reasons for this might be the education gap of women entrepreneurs in entrepreneurship. This forces entrepreneurs in entrepreneurship not to contribute a lot to the poverty reduction of the town, region and the country as a whole. A number of initiatives have been taken by Government, donors and Non-Governmental organizations both local and international to increase the start-up rates and performance of women owned entrepreneurship in Kenya. Nevertheless, women in the sector are still found predominantly in low-performance rates, earning lower revenues than their male counter parts. For many women, their involvement in business activities has yet to bring them to the point of economic sustainability and advance them in a manner that is beneficial to them and to the economy I in general. The literature reviewed showed the extent of the factors in the overall performance of women in entrepreneurship as stated in the conceptual framework. Prior literature has indicated that women possess different characteristics and thus strengths and/or weaknesses compared to men. As such, the collection of data on the profile, experience, management skill and competency, size and sector. In line with the social learning theory, the parents must be encouraged to motivate their children, particularly daughters to venture into entrepreneurship, In the past decades, many of these parents are employees and therefore, they would expect their child to become one too. However, with the strong economic growth and greater awareness on entrepreneurship, many new ventures have surfaced. A quantitative, descriptive design was used to study a sample of 200 women entrepreneurs engaged in 5 sectors was taken for the study. In the process of answering the basic questions, a questionnaire that include demographic profiles, characteristics of women entrepreneurs and their enterprises, factors that affect the performance of women entrepreneurs in entrepreneurships and supports entrepreneurship acquire. The study was carried out using a structured questionnaire for respondents and a discussion guide for key informants all administered through scheduled interviews based upon the theory of planned behavior. This study described the characteristics of certain groups, estimated the proportion of people who have certain characteristics and made predictions. Stratified sampling method was used to compare entrepreneurial practices at the same point in time. The design that was chosen for this study was due to its ability to ensure minimization of bias and maximization of reliability of evidence collected. The qualitative and quantitative data collected various sectors revealed the overall performance in the different areas of research which indicated how women entrepreneurship had been influenced in Mombasa County. In this chapter, the strengths, opportunities, challenges and threats were outlined in line with their profiles and thus informed how decision making in terms of entrepreneurship for women could get a new twist in the development area. All the aspects of women entrepreneurship including their experience, divers

SMS based rural agricultural markets monitoring information system in Kenya

Author: Kiprotich, Chemweno

Awarding University: University of Nairobi, Kenya

Level : MSc

Year: 2012

Holding Libraries: University of Nairobi Jomo Kenyatta Memorial Library ;

Subject Terms: Short messaging services/Mobile phones/Rural areas/Agribusiness/Maeting information systems ;

Abstract:

Agricultural market information in Kenya has been inaccessible to rural farmers. The rural farmers have been left to depend on traders who dictate prices of their produce leading to low prices that are unfavorable to farmers. Most of existing solutions that provide market information use SMS technology which is widely available and cost effective in Kenya, however, requirement to adhere to a strict syntax, registration via the web and the fact that most of these systems are offered in English making most rural farmers who cannot effectively communicate in English unable to use the system. The lack of information has been worsened by a combination of factors that include; low levels of literacy, limited connection to internet and high cost of broadband internet when available, and weak purchasing power among rural farmers. In this research, a framework was developed around the challenges mentioned above. The framework seeks to guide development of an SMS (Short Message Service) system that will act as a platform with which rural farmers and traders can share information regarding price of commodities in various markets. Rural farmers are also able to place offers for produce they have and intend to sell. On their part, traders are able to advertise the produce they wish to buy. These offers to sell and buy are matched in the system with buyers receiving contacts of sellers and sellers receiving contacts of buyers. At this point the two parties can communicate using their phones and strike a deal. The system was developed using agile development methodology with iterative development and testing done. On completion of development, rural farmers were recruited to use the system. In four out of eight Kenyan provinces, two rural markets were sampled. Five rural farmers and five traders in each of the markets were sampled. The participants were trained on how to use the system and given access to use it for a period of two weeks. Messages sent by users and responses sent to users were used to determine accuracy of the system. The participants were interviewed and their responses used to fill a SUS (System Usability Scale). It was found that the system accurately translated 95% of all incoming user messages. On the SUS scale of ? to 100, the system scored 93.6% with feedback from 75 users. These results show that problem of lack of affordable and easily accessible market information can be solved using a system like the one developed in this research by following a framework that targets solutions to challenges faced in accessing agricultural market information in rural Kenya.

Rural poverty reduction in Kenya : implementation of the millennium villages project in Sauri Village in Siaya County

Author: Kokwaro, Margaret Athulu

Awarding University: University of Nairobi, Kenya

Level : MA

Year: 2012

Holding Libraries: University of Nairobi Jomo Kenyatta Memorial Library ;

Subject Terms: Rural areas/Poverty/Community development/Millennium Villages Project/Sauri Village/Lundha Village, Kenya/Millenium Development Goals ;

Abstract:

The Millennium villages Project (MVP) is an organization whose broad mandate is to alleviate rural based on the Millennium Development Goals. To alleviate poverty in Sauri village the MVP developed an agricultural strategy in order to increase productivity. Farmers were provided farmers with improved seeds, fertilizers, horticultural seedlings, well as agricultural extension services. The MVP also invested in the following sectors; health, education, roads, markets, energy, water, sanitation and environment. This study sought to discover if the MVP agricultural interventions had alleviated poverty in Sauri village. The objectives of the study were: a) To review how the MVP agricultural strategy has been conceptualized and implemented to alleviate poverty in Sauri village, b) To examine how the local people have been engaged in the conceptualization and implementation of the MVP and how they perceive the project, c) To establish the extent to which the MVP has contributed in reducing poverty among the local people in Sauri village and d) To establish the appropriateness of the MVP agricultural strategy in Kenya and its sustainability. This study attempted an experimental design in survey research. Sauri village was the experimental group and Lundha village was used as the control group. This was to enable the researcher to assess the impact of the MVP interventions on poverty in Sauri village. The researcher collected quantitative data from respondents by administering questionnaires using structured interviews. The probability sampling methods that were used in this study were cluster sampling and simple random sampling. The total sample size of both these villages was 243. That is, 142 and 101 households in Sauri and Lundha village respectively. Qualitative data was collected through unstructured interviews with Key Informants as well as in Focus Group discussions. An interview guide was used to keep the interview in line with the research objectives. Non-probability sampling technique that was used to select Key Informants in this study was purposive sampling. Non-participant observation was also used by the researcher to collect observational data. This was done using an observation checklist. The raw data was processed using Statistical Package for Social Sciences (SPSS). Descriptive statistics were used to univariate data. Findings from the study revealed that Sauri community was not actively involved in problem identification, monitoring and evaluation of the MVP agricultural interventions. However, the community mostly participated in the implementation 'of the MVP activities. The MVP achieved its goal of increasing agricultural productivity (95%) and alleviating poverty (94%) in Sauri village. Respondents reported the leading key achievements of the MVP as improving access to health care, improvement of roads, increased agricultural productivity and improvement of education sector. This indicates that besides improving agricultural productivity, the MVP promoted access to basic services. However, the MVP was not successful in promoting access to electricity in the village (83%). This indicates that Sauri farmers cannot engage in value addition for their produce which is crucial to increasing farmers' incomes. Study findings revealed that the MVP promoted gender balance in Sauri village (70%). Women were elected to leadership positions in various committees and were allowed to participate in all MVP activities indiscriminately. According to 97% of .respondents, the MVP was a suitable model for promoting agriculture in Sauri village. Note that, 60% of respondents reported that the MVP was not sustainable due to corruption among the MVP leaders, lack of people's participation, poor phasing out, lack of capacity building and farm inputs. This study advocates for full participation of target communities in the following stages of the MVP; project identification, project design, preparation of budgets and timetable

Effects of rural transport on socio-economic development of rural dwellers in South Imenti District, Meru County

Author: Kirimi, Theophilus Patrick

Awarding University: University of Nairobi, Kenya

Level : MA

Year: 2012

Holding Libraries: University of Nairobi Jomo Kenyatta Memorial Library ;

Subject Terms: Rural areas/Transportation/Roads and highways/Infrastructure/Socioeconomic factors/South Imenti District ;

Abstract:

Socio-economic development and subsequent economic growth on the African continent is hampered by several limiting factors, including the lack of adequate roads infrastructure. Investment in transport infrastructure in Africa plays a significant role' in stimulating development. This study sought to determine the effects of rural transport on socio-economic development of rural dwellers in South Imenti district, Meru County. The study was guided by the following objectives: to establish the effect of rural transport on sustainable Agriculture of rural dwellers; to establish the effect of rural transport on basic service provision in rural dwellers; to establish the effect of rural transport on trade development of rural dwellers; and to establish the effect of rural transport on access to opportunities of employments on rural dwellers. The research used simple random sampling procedure and then adopted descriptive research design. Further inferential analysis was used to assess the effect of multiple factors. The data was gathered from the rural dwellers and administration officers of South Imenti District, through questionnaires structured on the basis of the objectives of this study. Data required for analysis was collected from the respondents and analyzed using Statistical Packages for Social Sciences. The findings of this study were; rural transport influences positively to socio-economic development. This is guided by the responses collected from households in South Imenti. Rural transport leads to sustainable Agribusiness as access to produce, farming input and marketing is not a problem to the farmers. It also facilitates quick access to basic facilities; opening of trade opportunities and employment. The research recommends that; the government of Kenya through Ministry of Roads and transport increase funding for rural roads in all Counties and the communities to organize themselves in marketing Associations so that the Agribusiness products can be marketed to other districts since rural transport is good.

User-centric Information and Communication Technology adoption model for rural farming communities in Kenya

Author: Ochieng, Daniel Orwa

Awarding University: University of Nairobi, Kenya

Level : PhD

Year: 2012

Holding Libraries: University of Nairobi Jomo Kenyatta Memorial Library ;

Subject Terms: End users ; Information technology ; Communications systems ; Models ; Rural areas ; Farming ;

Abstract:

The role of technology among populations in developing countries continues to be a topic of immense interest to researchers. Whereas technology acquisition is easily discernible externally, the ways to which a piece of technology is put to use is a process wrought with various dynamics, some evident and some not In the field of ICT today, there are numerous technological devices available and unlike in the past, the device prices have become affordable even to those at the base of the pyramid. Ensuring that the technology is put to efficient use is dependent on many underlying factors such as the relevance, the design, and the cost of use among others. The last decade has seen proliferation of the mobile phones in Kenya. During the same period, there has been increased competition from mobile service providers making the mobile phone a choice device for many Kenyans. Indeed the current mobile phone subscriptions surpassed past projections by considerable margins. Whereas those in formal employment find technology use part of the job or leisure, farmers in Kenya for example, have had to rely very little on technology use except for communication and to a large extent money transfer services such as Mpesa, Zap, Orange Money and Yu cash. Several researchers in both in developing and developed countries have studied the concept of technology adoption and several models from such studies exist in literature. Nevertheless the studies have tended to concentrate on technology adoption within formal structures, where the users are literate and where resources are readily available. For semi-illiterate users mostly within developing countries, availability of communication ;nfrastructure and technological resources are a big challenge. Therefore the technology needs. of such users have seldom been fully understood partly due to assumptions about their requirements and partly due to high costs associated with technology acquisition and deployment within the rural areas. This research focused on technology adoption process from the standpoint of farmers; more specifically farmers' ability to use and adopt ICT in their daily lives. We enlisted farmers living in rural areas where apart from Mobile phones there is no alternative communication infrastructure. The farmers are organized in groups and are drawn from three different areas of Kenya namely Mtito Andei, Kiangwaci and Bumala each having different geographical and demographic data. The farmers are engaged in both subsistence and cash crop farming and allseem to 'have had comparable issues affecting them mainly lack of information on the crop diseases and pests, the challenges posed by middlemen and the need to try ~ifferent crop varieties. In addition the lack of technological resources was a big challenge to the use of any technological innovation. The objective was to engage with the farmers from the onset to ensure that we understood the needs from their standpoint and in the pre-study period spent time with them in their homes to gain trust and ensure that the process was user-driven and user participatory throughout. Our approach was a combination of user-centric process and socio-technical experiments to bring to the fore the critical factors that determine adoption among rural agricultural users. We designed a Case Based Reasoning expert system known as Mobile Interfaced Crop Diagnostic Expert System (MICDES). The system enabled farmers learn about pests and diseases affecting their crops and it also helped us study the adoption process of ICT among the' farmers .: The MICDES design and development was based on the needs and feedback from several interactions with the farmers. The feedback obtained was used to improve the system continuously and to study the process of adoption among the farmers. Resources such as computers (laptops and desktops), mobile phones, Internet modems and airtime was provided to ensure that the farmers were able to use the system. To ens

Factors influencing selection of rural financial services by pastoral communities of Kenya : a case of Loita Maasai Community in Loita Division, Narok County

Author: Olando, Sitati

Awarding University: University of Nairobi, Kenya

Level : MA

Year: 2012

Holding Libraries: University of Nairobi Jomo Kenyatta Memorial Library ;

Subject Terms: Rural areas ; Financial services ; Pastoralists ; Masai (African people) ; Loita Division ;

Abstract:

The purpose of the study was to establish factors influencing selection of rural fmancial services in pastoral communities of Kenya using experiences from the pastoral Loita Maasai community in Loita Division, Narok County. The study aimed to achieve three main objectives, namely: (i) Examine how fmancial viability influences selection of rural fmancial services by the pastoral Loita Maasai community in Loita Division; (ii) Establish how environmental sustainability influences selection of rural fmancial services by the pastoral L~ita Maasai community in Loita Division; and (iii) Establish how socio-cultural acceptability influences selection of rural fmancial services by the pastoral Loita Maasai community in Loita Division, Narok County, 28 respondents were purposively sampled from the 6 Pastoral Community Development Authorities (PCDAs), fmancial institutions operating in Narok region, Provincial Administration, opinion leaders, community based development groups, and programme officers from NGOs operating in the area. The study recorded an excellent response rate of 82%. The fmdings, discussions and recommendations contained in this report will be useful input for designing suitable rural development strategies for reducing poverty and accelerating development in arid and semi-arid lands (ASALs). It is expected that outputs of the study will inform various stakeholders in the local development sector as well as micro-finance industry about the critical success factors for developing sustainable rural fmancial systems in pastoral communities especially the Loita Maasai. The study adopted a sample survey design to help undertake descriptive research. Apart from questionnaires and interview guides, Participatory Rural Appraisal (PRA) was used to engage the target community leaders, women and youth groups on the study topic. More than 80% of the target respondents from the elders' council, women and youth groups were interviewed during a political leaders meeting held on 31st August 2012 near Ilkerin shopping centre. Most of the quantitative data was analyzed using Statistical Package for Social Sciences (SPSS) and presented using frequency distribution tables. The Atlas TI software was used to synthesize qualitative information into a coherent description, similar responses given appropriate code frames and excerpts extracted from the narrative. According to the study fmdings on fmancial viability, there were no formal fmancial institutions in Loita Division though the Division was profitable for fmancial institutions. At the same time, support to community owned fmancial providers, a consumer-friendly loan repayment system, consumer protection policy and pro-poor components influence selection of rural fmancial services by pastoral communities such as the Loita Maasai. On the environmental issues, the ability of the model to provide a number of opportunities to improve environment sustainability, association, and community coordinated implementation of the conservation and rural fmance components influence its selection. On the social cultural concerns, the ability to build mutually supportive culture, provision of social funds to support education, ritual rites and access to health as well as contribution to social status and building of trust has influenced the choice of fmancial services in pastoral communities. The study recommends that further research be conducted in another constituency where a different economic activity is practiced, in agriculture or fishing regions, on the same topic in order to generate a broader understanding of the factors influencing selection of fmancial services in multi-cultural pastoral society. It is also recommended that research be conducted to establish the impact of gender issues on local development in pastoral communities such as the Loita Maasai of Narok County.