ABSTRACT This study identified the effect of MFIs on income of MSE owners who had better access to credit facilities. Micro credit was found to be a critical instrument in improving the income of poor people. The present study examined the extent to which microfinance services were successful in delivering their promise, particularly to the poor and its resultant effect on household income. Both primary and secondary data were used in the study. The study collects data from 110 respondents, i...
ABSTRACT Remittances are emerging as a stable source of foreign capital inflow in Zimbabwe. Much of the remittances are coming from South Africa. The study sought to explore the impact of US$-Rand exchange rate on remittances to Zimbabwe. Estimation of regression results was done using Ordinary Least Squares (OLS), using data sample spanning from 2008 to 2015. The findings show that depreciation of the rand value has a negative impact on remittances. This suggests that a depreciation in the r...
ABSTRACT The research study sought to investigate the factors that are militating against the use of ICT in the teaching and learning of Economics at Advanced Level. The study was conducted in Gweru district. The researcher employed the descriptive survey research design and he selected a sample of five schools from the population which comprised of fifteen schools. The researcher used the simple random sampling and the stratified random sampling to select schools and students from the popula...
ABSTRACT The use and abuse of alcohol has been high among Zimbabweans in general compared to other African countries and this has trickled down to university students in Zimbabwe .This study investigates on the factors that influence alcohol consumption of university students paying attention to the Midlands State University. Primary data was used to carry out this research and a probit regression model was used to carrying out the regression. STATA software was used to make the estimations. ...
ABSTRACT The research sought to establish the impact of micro and macro-economic factors on the profitability of banks in the banking sector of Zimbabwe. The low levels of profitability has been an area of concern. The study covered the period from 2012 to 2016 using monthly time series data employing the Ordinary Least Squares method to ascertain the factors that contribute to profitability as measured by Return on Assets. In the previous period, the profitability of banks have been on an up...
ABSTRACT Funds available for investments are either from credits acquired from financial institutions or from household savings. Although some research has shown that rural households in Sub-Saharan Africa save, little is known about the factors that influence saving and asset accumulation among them. Low investment in Kenya is easily attributable to decreased savings. The study aimed at developing a broader understanding of the savings habits and practice of farm households in Trans-Nzoia Co...
ABSTRACT Micro finance institutions refer to small, saving and insurance services extended and economically disadvantaged segment of society. In the past ten years micro finance is emerging as powerful tool of growth in Kenya economy. This has resulted from increasing success in terms to reach the poor and sustaining delivery services. However large number of those engaged in microfinance services continue to struggle with sustainability. The research sought to establish the factors affecting...
ABSTRACT Every year, the Government of Kenya invests heavily in public secondary education. In spite of this heavy investment, the delivery of quality secondary education faces various challenges. One of the biggest challenges is wastage: students repeat grades and the rate of dropout remain high. The central focus of this study was to determine the factors that influence educational wastage in Kathiani Sub-county. The study was guided by the following objectives; to establish the influence o...
ABSTRACT The financial sector in any country is an important sector in the development of a country. Most failures in the financial sector have been caused by non-performing loans or bad debts which are attributed by poor or ineffective loaning policy. While the consequences of credit risk management are well understood, the direction of the effects are predicted by theory, and evidence on their magnitude are still scarce, and centered around banking sectors and insurance markets. This study ...
ABSTRACT This thesis examines the Market Structure Paradigms and the Institutional Setting in the Nigerian Electricity Industry. The main objective of this study is to examine and propose market structure that can achieve a production frontier that will produce efficient output and optimal price determination. The study also proposes the most appropriate institutional setting - market design that can ensure sustainable electricity supply and enhance consumers' welfare in Nigeria under the res...
ABSTRACT The main motivation of the study was to determine the influence of corporate governance practices on working capital efficiency of manufacturing firms in Nairobi County. The study used descriptive survey research design. The population of the study comprised of all five hundred and fifty four manufacturing firms registered in trade and Industries Ministry of the Nairobi County. The sample size was one hundred and eleven firms. The study used questionnaires, interview guide and docume...
ABSTRACT Concern with free flow of factors of production, particularly of high level manpower, rests on the need to ensure balanced socio-economic development among the states as well as promoting an efficient and integrated labour market for skilled manpower in Nigeria. The national concern for balanced development has been adequately reflected in Nigeria's various National Development Plans. In a situation such as in Nigeria where shortage of high level manpower is everywhere acute, one mai...
ABSTRACT This research work focused on determining the effect of investment decisions on financial performance of Savings and Credit Cooperatives in Kitui Central Sub-County. This is was due to the observed decline in performance of SACCOS in Kenya due to a low investment culture. The research adopted four objectives as a drive towards the results as follows; to assess the effect of Replacement decision on Financial Performance of SACCOs in Kitui Central Sub-County, to find out the effects of...
ABSTRACT The thesis is on fiscal federalism in Nigeria particularly since 1967 and proposals for future revenue allocation in Nigeria. As a background, it sketches the framework of a federal as distinct from a unitary system of government, noting the role of the public sector in the former. It reviews the developments in fiscal federalism in the two decades 1946 - 1966, a period that witnessed the evolution from a unitary to a federal form of government and also the corresponding changes in t...
TABLE OF CONTENTS Title of Page Approval Page Dedication Acknowledgment Table of Content CHAPTER ONE: INTRODUCTION 1.1 Background to the study 1.2 Statement of research problem 1.3 Research hypotheses 1.4 Objectives of the study 1.5 Significance of the study 1.6 Scope and limitations of the study 1.7 Scheme of the study CHAPTER TWO: LITERATURE REVIEW 2.1 Introduction 2.2 Concept in Examination of Risk Management 2.3 Examination of Risk Management process 2.4 Im...