7756 Records out of 22207 Records

The influence of microfinance services in empowering women : a case of selected women groups in Eldama Ravine location, Baringo County, Kenya

Author: Jemuge, Maureen Chebor

Awarding University: University of Nairobi, Kenya

Level : MA

Year: 2012

Holding Libraries: University of Nairobi Jomo Kenyatta Memorial Library ;

Subject Terms: Eldama Ravine Location, Baringo County/Microfinance/Women/Small business/Groups ;

Abstract:

Women bear a disproportionate burden of the world's poverty. Statistics indicate that women are more likely to be poor and at risk of hunger because of the systematic discrimination they face in health care, employment and control of assets. It has been discovered that M.F.ls has come to the recognition that empowering women and developing communities are closely connected. In view to this, this study therefore has sought to bridge the gap by establishing the role of micro finance services in empowering women and women groups economically, socially and politically in Eldama Ravine Location, Baringo County. The objective of this study was to find out the influence of Micro Finance Services in empowering women and women groups in Eldama Ravine Location, Baringo County as well as to find out the effects that has had on women Socio-Economically. In order to accomplish the task, the methodology employed was in depth interview guide, and structured Questionnaires to collect the required data. The study was conducted in Eldama Ravine Location and the study drew its population from members of various women groups which were categorized to two strata - those financed by Micro Financing Institutions and those financed entirely from membership contribution. The results of this study showed that Micro Finance Institutions had played a huge role in empowering women economically where women have had the chance to acquire various assets and socially, they have been recognized in the society. Some of the recommendations made are that for women to be more effective in their strategic options for socio-economic empowerment, they need to invest the members' money in profitable business in order to increase the capital. It also recommended that the groups needed training on the management of the funds in order to make correct business decisions.

Factors influencing sustainable funding of non-governmental organizations in Kenya : a case study of Sisters Maternity Home (Simaho) in Garissa

Author: Ibrahim, Ahmed Ali

Awarding University: University of Nairobi, Kenya

Level : MA

Year: 2012

Holding Libraries: University of Nairobi Jomo Kenyatta Memorial Library ;

Subject Terms: Sisters Maternity Home (SIMAHO), Garissa, Kenya/Nongovernmental organizations/Financial management ;

Abstract:

Sustainable funding has helped many NGO's implement diverse programmatic interventions which has not only benefited the communities but has also improved the standard of living. But tough economic times buoyed by global recession have in one way or another affected global funding. Many NGO's continue to cease operations by the day often due to lack of sustainable funding. The NGOs are overwhelmingly significant in most Africans search for their well-being, so deeply woven in the rhythms of their everyday lives and deeply entwined in their values, attitudes .. perspectives and decisionmaking. Many new NGOs fall into the pitfall of un-sustainability, as they operate for a summer or for a few years and then fade away. The failure of NGOs to sustain their work stems from many inadequacies. A lack of financial resources contributes to their demise. The purpose of the study was to examine the factors that affect financial sustainability of NGOs in Kenya with specific reference to Sisters Maternity Home (SIMAHO) in Garissa. In this study, exploratory research design was adapted. The target population of this study included the management team of the SIMAHO in Garissa. Stratified proportionate random sampling technique was used to select 67 respondents. This study made use questionnaires for primary data collection. Quantitative data was analyzed using both descriptive and inferential analysis. Data collected through the open ended questions and analysis of documents was analyzed qualitatively through content analysis. The study also made use of various inferential statistics. The variable was factored in the multivariate regression model. The study found that donor relationship management contribute most to financial sustainability of nongovernmental followed by strategic financial management then income diversification while own income generation contributed the least to financial sustainability of nongovernmental organizations. The study recommends that in order to ensure that the NGOs remain sustainable, they should procure employees that are competent in strategic planning, plan implementation and financial analysis. The NGO management should increase their income sources from their usual ones. The management should ensure that they maintain a good relationship with the donors mainly by information management, ensuring there is accountability and meaningful communications.

The impact of cash transfer programme on the welfare of orphans and vulnerable children : a case of Saka Location, Garissa District

Author: Hadi, Sheikh Mohamed

Awarding University: University of Nairobi, Kenya

Level : MA

Year: 2012

Holding Libraries: University of Nairobi Jomo Kenyatta Memorial Library ;

Subject Terms: Saka Location, Garissa District/Orphans/Children and youth/Child welfare/Cash Transfer Programme (Kenya)/Social impact ;

Abstract:

This paper sought to establish the impact of cash transfer programme on the welfare of orphans and vulnerable children, a case of SAKA location of Garissa district. The paper was guided by four objectives which includes; to establish the contribution of the cash transfer Programme on education of the orphans and vulnerable children in SAKA location, to establish the contribution of Cash Transfer Programme on health of the orphans and vulnerable children in SAKA location, to establish the contribution of Cash Transfer Programme on food of the orphans and vulnerable children in SAKA location and to establish the contribution of Cash Transfer Programme on civil registration of the orphans and vulnerable children in SAKA location. The literature review focused on the work done by other researchers on cash transfers. It focuses on General social protection programmes, Social Protection and Economic Development, Linking social protection to the Millennium Development Goals (MDGs), Development projects and interest in social protection, the concept of cash transfer programme in Kenya its rationale and development. The study embraced the case study technique to enable the researcher get detailed information on the impact of Cash Transfer Programme on the welfare of the Orphans and Vulnerable Children. The questionnaire was the main tool for data collection and the target population included all the households in SAKA location estimated to be 1255. The sample size of the study was 125 heads of the households. The data was analysed using the SPSS programme and the data is presented by use of descriptive narrative, percentages, means and frequencies. The study revealed that since inception of the cash transfer programme in 2004 as a pilot project, the programme has addressed the welfare of the OVCs in relation to education, food, health and civil registration matters. The study also revealed that more children are able to access education and respondents are able to meet Education requirements by use of subsidies from the cash transfer programme. The study also revealed that the primary level of education is the highest beneficiary of the cash transfer Programme .In line with health the study revealed that mortality rate of the children reduced due to many caretakers taking children under five years for immunization and older children to health centers when sick from other ailment. However, it was noted that the money is not enough to meet all medical expenses and therefore people turn to relatives or sell their property to meet their medical expenses. On matters of food, the study revealed that the cash transfer plays a key role in the livelihood of the people because the money is mostly used to buy food which is a basic need. However, the respondents expressed fear that the amount received from the programme is not enough to meet their basic needs more so food. On the matters of registration the study established that the cash transfer programme playa key role by enabling the OVCs to get registered with civil registration through provision of transport to travel to registering centres' and in meeting the late registration charges.

Strategy evaluation and control at Ushuru Savings and Credit Cooperative Society Limited

Author: Juma, Joseph Hamisi

Awarding University: University of Nairobi, Kenya

Level : MBA

Year: 2012

Holding Libraries: University of Nairobi Jomo Kenyatta Memorial Library ;

Subject Terms: Strategic management/Ushuru Savings and Credit Cooperative Society Limited/Savings and credit cooperative societies ;

Abstract:

The business world is in the process of a global transformation. Mergers, acquisitions, outsourcing and downsizing are becoming common word everywhere. International boundaries are fading in importance as businesses take on a more global perspective (Stevens, 2000). Strategic management takes a panoramic view of this changing business terrain and attempts to show how large and small firms can be more effective and efficient not only in today's world but tomorrow as well. Strategic management is the set of managerial decisions and action that determines the way for the long-range performance of the company. It includes environmental scanning, strategy formulation, strategy evaluation and control, evaluation and control. The objectives of the study were to establish strategy evaluation and control practices at Ushuru Sacco and determine the factors that influence strategy evaluation and control practices at Ushuru Sacco. The research was conducted through a case study method. A sample of six persons from the top and middle management was interviewed in order to gain an insight into what response strategies that this level of management applied in order to deal with the changing the strategic evaluation and control system. Content analysis technique was used to analyze the data. The study found that to ensure compliance with the strategy can go a long way in helping the Sacco gain a competitive edge, help in defining the business of the Sacco and also help in achieving right direction. The study finally concludes that initiatives are taken by management in creating and sustaining a climate within the Sacco that motivates employees in their implementation role with managers paying as much attention to planning the implementation of their strategies as they give to formulating them. Since this study adopted the interview method as the primary data collection method, the researcher suggests that a study be carried out using other methods of primary and secondary data collection to see whether there will be difference in the results.

Strategic responses by the National Bank of Kenya Limited to challenges of globalization

Author: Ingwe, Kennedy S

Awarding University: University of Nairobi, Kenya

Level : MBA

Year: 2012

Holding Libraries: University of Nairobi Jomo Kenyatta Memorial Library ;

Subject Terms: Strategic management/National Bank of Kenya/Globalization/Competitive advantage/Commercial banks/Banking industry ;

Abstract:

Globalization has brought competition to the door steps of most companies in every industry the world over. It is an attempt to reduce the vast world to a mere global village by facilitating interaction of people and business transactions through technological breakthroughs. A gap exists on the strategic measures that a fmancial institution operating locally should take to counter the challenges of globalization without necessarily trading in the international market. The National Bank Kenya thus becomes the focus organization that the study uses to fill up this knowledge gap. The research question therefore is: What strategic responses is the National Bank of Kenya putting in place to arrest the challenges of globalization? The objectives of the study were to establish the challenges of globalization faced by National Bank of Kenya limited and the strategic responses by the National Bank of Kenya Limited to challenges of globalization. The study used the case study design to gather qualitative data using an interview guide and it focused on the National Bank of Kenya Limited. The primary data upon being cleaned and presented according to the study themes was analyzed through content analysis (qualitative analysis). The fmdings reveal that the bank has not reviewed its mission for the last five years. Globalization has had an impact on every single department in the bank. As such, the bank has put in place strategies to counter the challenges of globalization. The study recommends that the bank should embrace the various aspects of globalization in its entire departments as they are mostly 'positive and beneficial to the company.

The relationship between house prices and real estate financing in Kenya

Author: Jumbale, Daniel Kitti

Awarding University: University of Nairobi, Kenya

Level : MBA

Year: 2012

Holding Libraries: University of Nairobi Jomo Kenyatta Memorial Library ;

Subject Terms: Real estate financing/Residential buildings/Property values ;

Abstract:

In many countries, house price fluctuations which have been witnessed by the several booms and busts over the past two decades have been associated with fmancial instability. The degree to which such house price booms and busts have led to financial instability differs among countries because of the important differences in countries' housing systems and the role that the government plays. The recent fmancial crisis has led to accelerated housing defaults in the U.S as well as in other countries, with millions of residential properties having negative equity mortgages with the outstanding loan balances being greater than the property value. Property prices in the Kenyan market have not been spared by the crisis being experienced. The Hass property index has been tracking property prices in the 'upper and middle' sectors of the Kenyan property market and has seen the average price in this sector rise from Ksh 15 million in 2006 to Ksh 20 million in 2010. The objective of the study was to determine the relationship between house prices and real estate financing in Kenya. Causal study design was employed in this research. Purposive sampling technique was used to select the sample. The study purposively selected a total of 20 respondents who formed the sample size of this study. The researcher administered a survey questionnaire to each member of the target population. Secondary data was collected for this study. Quantitative data collected was analyzed by the use of descriptive statistics using SPSS latest version (20.0).Regression analysis was done to establish the relationship between growth in Real Estate financing and house prices. The study found that the changes in housing prices are positively and significantly related to the long-term evolution of real estate fmancing. This result suggests that the evolution of housing prices is not triggered by bank real estate lending and that banks just accommodate real estate fmancing to the evolution of house prices. Though the study shows a bi-directional causality it concludes that the real estate market does not really affect housing price changes rather changes in housing prices do affect the amount of real estate fmancing.

Automatic characterization of named entity relational facts in unstructured incident reports

Author: Ikunyua, Edwin Kimathi

Awarding University: University of Nairobi, Kenya

Level : MSc

Year: 2012

Holding Libraries: University of Nairobi Jomo Kenyatta Memorial Library ;

Subject Terms: Police reports/Relational data bases/Natural language/Information extraction ;

Abstract:

Natural language provides many different ways of expressing facts. These facts can either be explicit facts or implicit facts. Explicit facts could be in the form of entity relations expressed in a single sentence. Many organizations own document corpuses that take the form of unstructured Incident Reports, which contain explicit facts. A key challenge faced by these organizations is finding out how two named entities contained in a unstructured Incident Report corpus are related to each other; a reading problem. In this research we conceptualized the problem as a composition of two sub problems; relational extraction and relational representation. We used Open Information Extraction tools and techniques to extract Entity Relational facts; a dictionary of named entities and a greedy algorithm to tag and characterize the extracted facts and graph algorithms to search through the extracted facts to determine the interrelationship between two (2) named entities in a Test corpus often (10) documents covering Politics, Accidents and Poaching. We came up with a model that harmonizes relation extraction and representation, which was able to address the key challenge of being able to determine how two named entities are interrelated in a unstructured Incident Report corpus. From experiments conducted using a prototype application developed based on the model above it was observed that: the quality of the text corpus, the choice of the underlying POS tagger and English dictionary, the character and size of Named Entity Dictionary and a mechanism to enable document level named entity resolution are key issues that have to be addressed when building a Entity Relation Characterizer. The model developed is a useful tool that can guide in the development of systems that collate information containing named entity relational facts from different sources, addressing the issue of information incoherence within organizations.

Application of credit default swaps to commercial banks

Author: Ikamari, Cynthia Amai

Awarding University: University of Nairobi, Kenya

Level : MSc

Year: 2012

Holding Libraries: University of Nairobi Jomo Kenyatta Memorial Library ;

Subject Terms: Credit management/Default/Bad debts/Swap arrangements/Commercial banks/Banking industry ;

Abstract:

Commercial banks contribute significantly to the growth of a nation's economy. The profitability of commercial banks is largely attributed to the interest charged on loans they advance to their customers. If these loans are defaulted, banks face the risk of collapsing and the entire economy will be threatened. Banks use credit derivatives to protect themselves against credit risk arising from loan defaulters. Loan defaulting has been and continues to be a cause of financial distress in the banking sector . both locally as well as globally. More efficient approaches of managing credit risk need to be looked into. In this study, the application of credit default swaps as a credit risk management tool in the banking sector is looked at. Credit default swaps are shown to effectively transfer risk from commercial banks to insurance companies. Data relating to loan facilities sought by individual companies was collected from a local commercial bank. Additional data relating to treasury and corporate bonds was collected from the Nairobi Stock Exchange. Data was analyzed using the Hull-White Model of credit default swap valuation. The study shows that commercial banks are able to manage their credit risk efficiently using credit default swaps. From the data analysis, the results show that by paying a premium 0 f 513 basis points per year for a credit default swap contract, a potential loss of up to Kshs. 17,291,275.61 is avoided. This shows that by using credit derivatives, the profitability ofa commercial bank is increased as large sums of money that would otherwise have been lost to loan defaulters is put into other income generating activities.

Informational content of general election results announcement at the Nairobi Securities Exchange

Author: Irungu, Antony Kirugu

Awarding University: University of Nairobi, Kenya

Level : MSc

Year: 2012

Holding Libraries: University of Nairobi Jomo Kenyatta Memorial Library ;

Subject Terms: Elections/Nairobi Securities Exchange ;

Abstract:

Elections not earnings are now driving financial markets around the world. Price Earnings ratios determine the performance of many stock exchanges and a major source of all that stomach-churning stock-market volatility where the abnormal returns are blamed on elections results announcement. To determine the effects of general results on stock market performance using a case of the Nairobi Securities Exchange. The study adopted event study methodology. The event that affects a firm's market value may be within the firm's control, such as the event of the announcement of a stock split. The target population for this study included: companies trading at the Nairobi Security Exchange as at December 31 st 2007 that compute the NSE 20 share Index. Because of the small number of firms and the fact that the study will use secondary data, the study conducted a census hence there was no sampling. Data was obtained from the NSE covering the period between 31 st December 1997 and 31 st December 2007. The study collected data on NSE 20 share index and market capitalization for NSE for the two general elections results announcement. These dates included 29th December, 2002 and so' December 2007. The study computed the changes recorded in share prices as measured by the market capitalization and NSE 20 Share index. The study concludes that there is a strong relationship between general election results announcement on stock market performance of the Nairobi Securities Exchange. The announcement of general election results brings with it the hope and stability that otherwise the investors were worried of. As a result, the announcement of general election results brings about the stability in the market and allows the forces of demand and supply to drive the operations of the market. The Government of Kenya needs to create complete independence of the Nairobi Securities Exchange so that operations of the securities exchange are not affected because of its key position in the economy especially in the form of raising long term capital.

The influence of age and length of service on job satisfaction and commitment of public secondary school teachers in Embakasi District, Nairobi

Author: Jepkemoi, Chemase

Awarding University: University of Nairobi, Kenya

Level : MBA

Year: 2012

Holding Libraries: University of Nairobi Jomo Kenyatta Memorial Library ;

Subject Terms: Age/Employee attitude/Job satisfaction/Secondary schools/Educators/Embakasi District ;

Abstract:

This study investigated the influence of demographic factors; age and length of service on job satisfaction and organizational commitment of secondary school teachers in Embakasi District. The study adopted survey type of research design. A total of 135 teachers from the six public secondary schools participated in the study. The sampling technique used was the total enumeration technique or census study was carried out. The instrument for data collection was the questionnaire. Data collected were analyzed using descriptive statistics such as percentages, mean score, standard deviation and frequencies. Pearson's correlation analysis was used to establish the relationships. The study also found out that the employees who had high job satisfaction are those teachers who have worked for 31 years and above and those whose age brackets were between 56-60 years. It was found that the teachers who were least satisfied were those who had served between 16-20 years. The study also found out that the majority of the teachers in public secondary schools in Embakasi District are married and the minority is the divorced. In academic qualification, there were diploma holders, bachelor's degrees holders and masters degrees which is evidence of professionalism of teachers in Embakasi District. The study also found out that the majority of the teachers in public secondary schools in Embakasi District are the assistant teachers, while those in the management were few. The results of the correlation analysis revealed that there was positive relationship between age and job satisfaction, there was also a significant correlation between length of service and job satisfaction, there was a positive correlation between age and commitment while length of service had a significant correlation with commitment.