...________________ DATE: ______________ MR KINYUA DEPARTMENT OF MOUNT KENYA UNIVERSITY i DEDICATION This work is dedicated to my mother Mrs. Perez Akinyi, and my sister Yvonne Atieno for their support in the course undertaking my research work ii ACKNOWLEDGEMENT I wish to thank the almighty God who has sustained me throughout this project I would also wish to thank my supervisor Mr. Geoffrey Kinyua for his valuable patience and assistance in accomplishing this project I would also wish to thank the technical staff of K.C B jogoo road branch for their help and cooperation iii ABSTRACT With reference to K.C.B this research is carried out to investigate the challenges facing the banking industry in Kenya. The specific objectives are; to investigate whether theft cases in banks are a major problem, to establish if ATM card skimming is a problem to the banking industry in Kenya, to determine if high interest rates are affecting the banking industry in Kenya negatively, to find out if mobile money transfer services are becoming a competition to banks in Kenya. The sample design was stratified random sampling so as to obtain data...
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...RESEARCH PROJECT CHALLENGES FACING THE PERFORMANCE OF COMMERCIAL BANKS IN KENYA A CASE STUDY OF CO-OPERATIVE BANK OF KENYA 1.0 INRODUCTION 2.1 Background of the Study Commercial banks are institutions which accepts deposits, makes business loans, and offers related services. Commercial banks also allow for a variety of deposit accounts, such as checking, savings, and time deposit. These institutions are run to make a profit and owned by a group of individuals, yet some may be members of the Federal Reserve System. While commercial banks offer services to individuals, they are primarily concerned with receiving deposits and lending to businesses. 2.2 Profile of the Co-operative Bank of Kenya The Co-operative Bank of Kenya Limited ('the Bank') is incorporated in Kenya under the Company's Act and is also licensed to do the business of banking under the Banking Act. The Bank was initially registered under the Co-operative Societies Act at the point of founding in 1965. This status was retained up to and until June 27th 2008 when the Bank's Special General Meeting resolved to incorporate under the Companies Act with a view to complying with the requirements for listing on the Nairobi Stock Exchange (NSE). The Bank went public and was listed on December 22 2008. Shares previously held by the 3,805 co-operatives societies and unions were ring-fenced under Coop Holdings Co-operative Society Limited which became the strategic investor in the Bank with...
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...Assignment 1 Executive summary The Kenya Broadcasting Cooperation is a state cooperation in Kenya which was established by the act of parliament in 1961 and named as Voice of Kenya and later Kenya Broadcasting Corporation (KBC) in 1964 by another act of parliament .One of the core objectives of the corporation was to offer radio and television communication services to the nation and was the main media house that the government used to convey official information to the nation. This included informing the public of the government developmental strategies so that the entire nation could back up the government to achieve its goals (Godard, 123-167). For a long time, the cooperation enjoyed state protection against competition until recent when the government finally lifted the barriers in the communication industry. Today, the main challenge facing the Kenya Broadcasting Cooperation is serious competition from other upcoming media houses such as Citizen Radio and Television, provided by the Royal Media Services and owned by a private investor called S.K Masharia. Since the corporation is owned and financed by the central government, it has been at a stable position in the competitive market due to the low quality services offered since it was not motivated by making profit. Today, the corporation has lost many customers to other media house and still faces a bevy of challenges such as workers strikes and managerial problems and political influence among others. Many...
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...CHALLENGES FACING UNIVERSITY TRAINED STRUCTURAL ENGINEERS IN THE CONSTRUCTION INDUSTRY IN KENYA. BY BETT BARNABAS EDU/PGT/09/07 A PROPOSAL SUBMITTED TO THE SCHOOL OF EDUCATION IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE AWARD OF MASTER OF PHILOSOPHY IN TECHNOLOGY EDUCATION (BUILDING AND CIVIL ENGINEERING OPTION) DEPARTMENT OF TECHNOLOGY EDUCATION SCHOOL OF EDUCATION UNIVERSITY OF ELDORET APRIL, 2014 DECLARATION DECLARATION BY THE CANDIDATE This proposal is my original work and has not been presented for any award in any other university. No part of this work may be submitted without my permission. NAME: BETT BARNABAS……………………………. REGN.NO:.…EDU/PGT/09/07……………………….. SIGNATURE:………………………. DECLARATION BY SUPERVISORS This proposal has been submitted for examination with our approval as university supervisors. NAME: Dr. KYALO……………………….. SIGNATURE:…………………. DATE:…………………………. NAME:…DR. DIMO……………………… SIGNATURE:…………………… DATE:……………………………. DEDICATION. It is my pleasure to dedicate this work to my family whose efforts have made me proud, with all the stresses through the course work and writing of this proposal they have been on my side. ABSTRACT The purpose of this study is to determine the challenges facing university trained structural engineers...
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...to Globalization and External Factors Affecting Kenya Airways Professor: Student Name: Date of submission: Executive Summary Stiff competition, technological changes and the political and legal environment are the main factors determining the success of a company operating in the airline industry. Kenya Airways is subject to these factors and must find the best solution to help mitigate the adverse effects of these factors. It will help improve efficiency, effectiveness and the competitiveness of the company. Liberalization of many economies accompanied by globalization has turned the face of doing business across the globe. It has led to the essence of competition among organization for prosperity and survival. Technological aspects have also improved communication across the globe leading to integrated systems connecting companies and businesses. The report is an overview of the external environmental factors affecting Kenya Airways that is in the service sector in the Airline industry. The service sector requires up to date technology and is easily affected by the external environmental factors. These factors relate to the political stability, legal environment, social, cultural well-being, and the state of technology. Table of Contents Executive Summary…………………………………………………………….2 1.0 Introduction………………………………………………………………….4 2.0 Task 1 ………………………………………………………………………….5 2.1 Macro Environment analysis for Kenya Airways…………………………………..5 2.1.1 Political and legal...
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...Kenya VN Term Paper 3 Introduction The republic of Kenya is located on the equator along the east coast of Africa, with a population size of 44.86 million and a population growth rate of 2.6%. The per capita GDP for the country is around $2,818.00, but with a Gini coefficient of 47.7 the wealth of the country is not evenly dispersed, leaving many to survive on much less (Cite 3,5). Forty-two percent of the population lives in poverty and 30% of them were considered undernourished in 2014 (Cite 7). There has been in a demographic shift over the past 10 years, with the crude death rate dropping to eight and the crude birth rate slowly decreasing to 35 (Cite 6). Because the death rate is slowing faster than the crude birth rate, there will be a major change in the demographic of the country through the next few generations. The country faces many hardships that can accompany population growth, such as natural resource demand, food scarcity, poverty and malnourishment. The population growth in Kenya has increased demand on food and has exacerbated the problems that the current food shortage has already created. We can project the percentage of growth in food demand as a function of percent change in income multiplied by the income elasticity, then add the sum to the percent change in the population for the country. With this information we can estimate the amount of food demand increase that a country will be facing. Kenya’s growth in food demand is 6.79%, which creates...
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...CHAPTER 1 1.0 INTRODUCTION The concept of micro finance is not new in the world, sub-Sahara Africa and in Kenya. Savings and credit groups have operated for centuries all over the world. They include the Chit Funds of India, Tandas in Mexico, and Arisan in Indonesia. In Africa such groups consist the “Susu” of Ghana, BOSCA of Botswana, ADESSI of Burkina Faso, ACCORD of Uganda, Zusa of Zambia among others. In Kenya on the other hand Micro Finance Institutions (MFIs) include Faulu Kenya, Kenya Women Finance Trust (KWFT), KUSCCO (Kenya Union of Savings and Credit Cooperatives), Economical Locus Fund (ECLOF), Small and Medium Enterprise Programme (SMEP), Kenya Small Traders and Entrepreneurs Society (KSTES), the Kenya Post Savings Bank (KPSOB) and Vintage Management (Jitegemee Trust). Microfinance is the provision of financial services to low income households and micro and Small Enterprises (MSEs). The sector provides an enormous support to the economic activities of the poor thus contributing to poverty alleviation. Micro finance is usually understood to entail the provision of financial services to micro entrepreneurs and small businesses, which lack access to banking and related services due to the high transaction costs associated with serving these clients’ categories. The two main mechanisms for the delivery of financial services to such clients are relationship based banking for individual entrepreneurs and small businesses; and group based models, where...
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... Research Topic The role that information systems can play in tackling security challenges in Kenya: Focus on digitizing the police occurrence books. Problem Statement Insecurity is amongst the top problems facing Kenya 50 years after independence. The widespread insecurity in developing countries can be attributed to poverty, corruption, unemployment and a big population of youths who are easily influenced by idealism and extremism (Koper, Christopher, et al, 2009). According to Goldman (2015) “The security challenges within Kenya are evident to Kenyans. There is need to pre-empt terror attacks, end localized violence, avert insurgencies and reduce crime.” Tackling the security problems in Kenya is going to take concerted efforts from varied sources and significant focus has been put in police reforms. The National Police Service Commission (NPSC) which was established under Article 246 of the constitution of Kenya, as part of several measures to ensure police reforms was tasked with among others duties, “Development and review of administrative procedures required for effective Police Reforms”, and “Ensure that the Service is efficient and effective” (The Constitution of Kenya, 2010). This paper will seek to propose the introduction of digital occurrence books and uptake of Information and Communication Technologies (ICTs) in the Kenya Police. Currently the Kenya Police is using manual books to record different occurrences and incidences. These records are handwritten...
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...CHALLENGES IN THE IMPLEMENTATION OF KENYA TRADENET SYSTEM BY KENTRADE Introduction The competitive business environment is rapidly changing, it is only flexible and dynamically developing companies that are able to meet competition, companies that have managed to reduce costs and improve business efficiency through the introduction of advanced information technologies (IT). The use of information technologies is a vital element of a company's strategy to succeed in an ever changing world. Current information technologies make it possible for companies to create information systems for effective communication and mutual understanding among staff members and stakeholders, as well as to support the decision making process at all levels of management. Information system (IS) should no longer be viewed in its traditional role, rather it should be used in terms of a strategic role for accomplishing IS based competitive advantages. Kenya Trade Network Agency (KENTRADE) is a state Corporation under the National Treasury that is mandated to facilitate cross border trade and establish, manage and implement the National Electronic Single Window System as a Vision 2030 flagship project under the economic pillar. The mission of KENTRADE is to facilitate international trade through the establishment and management of a National Electronic Single Window System (Kenya TradeNet System) for efficiency and global competitiveness”. STATEMENT OF THE PROBLEM Kenya Trade Network Agency (KENTRADE)...
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...THE GROWTH OF AGENCY BANKING IN KENYA BY JOEL WANJOHI D63/73163/2012 A RESEARCH PROPOSAL SUBMITTED AS ASSIGNMENT FOR DFI 513: MASTER OF SCIENCE IN FINANCE, UNIVERSITY OF NAIROBI NOVEMBER 2012 DECLARATION I hereby declare that this proposal is entirely my own composition. It has not been presented in any University or college for examination purposes. All references made to works of other persons have been duly acknowledged. Permission from the author or examining body should be sought before any part of this work is reproduced. Signed: __________________ …………………………………. Reg. No. D63/73163/2012 Date: 25/11/2012 ABSTRACT Agency banking is a new banking concept introduced in Kenya by the Central Bank (CBK). The main objective is to increase financial services outreach and to promote financial inclusion to the un-banked and under-banked population without risking the safety and soundness of the banking system. The concept is also geared towards encouraging financial institutions to use agents in the provision of banking services so as to reduce the cost of financial services and to foster financial inclusion, reach and depth. Commercial Banks worldwide offer similar kinds of services, but they could provide differences in terms of service quality. This paper analyzes past studies regarding service quality improvement in the agency banking sector. The continuing trend to a model of service quality improvement, from personnel...
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...Contents ABSTRACT 2 INTRODUCTION 3 The Major Tribes in Kenya 4 Situational Analysis 4 EFFECTS OF TRIBALISM ON SOCIAL DEVELOPMENT 5 Inability to fight corruption 5 Distrust 5 Underdevelopment 6 Suppression of justice 6 Disintegration of interrelation ties 6 EFFECTS OF TRIBALISM ON ECONOMIC DEVELOPMENT 8 EFFECTS OF TRIBALISM IN POLITICAL DEVELOPMENT IN KENYA 11 CONCLUSION 13 RECOMMENDATIONS 13 BIBLIOGRAPHY 14 ABSTRACT This report discusses extensively the impact of tribalism on social, economic and political development in Kenya. This has been done by objectively looking at the challenges that these important sectors are facing as a result of the negative ethnicity or tribalism that Kenya is notorious for. In order to put into perspective and to qualify the ideas expressed in this report many historical and contemporary examples have been presented. The report also contains recommendations made by the group with regards to what needs to be done to overcome this problem. INTRODUCTION A tribe is a group of individuals who possess a common ancestry, language, culture and sometimes-geographical area. Kenya boasts of 42 indigenous tribes spread across the country. Tribalism is the selfish use of this commonness to deny or dispossess others who are not of the same tribe of their rights and access to opportunities and resources in society. It is the act of favouring those from one’s tribe be it in social, public or economic decisions and discriminating...
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...FACTORS INFLUENCING E-PROCUREMENT PRACTICES IN PARASTATALS IN KENYA. (A Case Study of the New Kenya Cooperative Creameries.) BY KINYUA ANTONY NJERU BBM/5285/12 A RESEARCH PROPOSAL SUBMITTED TO KARATINA UNIVERSITY, SCHOOL OF BUSINESS IN PARTIAL FULFILMENT OF THE REQUIREMENTS FOR THE AWARD OF A BACHELORS DEGREE IN BUSINESS MANAGEMENT. JULY, 2015 DECLARATION I hereby declare that this research proposal is my original work and has not been presented for a degree in any other university. Sign……………………………… Date……………………………….. Antony Njeru Kinyua BBM/5285/12 This proposal has been submitted to the School of Business for examination with my approval as University supervisor. …………………………………….. Date…………………………………….. Ms Ester Maina. DEDICATION I dedicate this work to my parents, brothers and sister. I also dedicate this work to my fiancée and to all my business partners. ACKNOWLEDGEMENT I hereby take this opportunity to acknowledge with gratitude Karatina University for providing me with the opportunity to pursue my bachelor’s degree in Business Management. My special thanks go to my supervisor Ms. Ester Maina for the invaluable support and insightful guidance in the production of quality work. I acknowledge my colleagues for their encouragement during the time of study. I am highly indebted to my family for their facilitation and encouragement, in ensuring that I carried up with the course and project preparation successfully. Most...
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...The Human Immune Virus (HIV) and Acquired Immune Deficiency Syndrome (AIDS) have been identified as a major threat to pastoral communities over East Africa. The regional governments have given little attention to this problem due to the perception that Pastoralisms is economically inefficient and environmentally destructive. The study was carried over Kenya, Ethiopia, Tanzania, and Uganda to assess the current state of HIV/AIDS prevalence amongst the pastoral communities using desktop review and expert judgment opinion. In Kenya, about 8million people of Kenyan population depend on pastoralism. In Tanzania the livestock sector contributes about 6.1% to the national Gross Domestic Products (GDP). In Uganda 17% of GDP is accounted for by the sector and about 9% of the national GDP in Ethiopia. In the pastoral districts the average prevalence of HIV/AIDS amongst the community is estimated at 5.7% with this figure expected to increase. The infection rates are being accelerated by factors related to human rights and gender, socio-cultural environment and lack of HIV/AIDS awareness and stigmatization. The HIV/AIDS is not recognized at policy level as a major problem facing Pastoralisms yet the statistics show increasing population of HIV/AIDS victims. The communities refuse to admit the presence and impact of HIV/AIDS within their families with high stigma attached to the affected and infected. The number of livestock has been diminishing through sales to pay the medical expenses...
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...1. Introduction Over the last century, climate change has become one of the greatest threats facing the world. There is overwhelming scientific consensus that the increasing global temperature and the variable weather condition are closely related to the increase of greenhouse gases. In order to tackle the issue of climate change effectively, the Kyoto Protocol has been established. However, the rate of climate change is beyond prediction and the adverse impacts of climate change are increasingly serious. Besides, the debate about the main cause of climate change is significant. As the main driver of climate change is difficult to identify, countries face the challenge to formulate practical strategies to reduce greenhouse gases. This report will define climate change and explore what is the main driver of climate change as well as focus on climate change response strategies in Kenya. 2. Definition of Climate Change Climate change is characterized as observed increase in global average temperature of the earth. Climate is totally different from weather. Weather is the state of atmosphere at a place and time as regards heat, cloudiness, wind and rain (CCIR-NYC 2005, p. 1). However, climate is a region’s weather patterns in a relatively long period (CCIR-NYC 2005, p. 1). The CCIR-NYC (2005, p. 1) claims that the variations of the state of climate on space and time are the dominant features of climate change. It is reported that global average temperature has...
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...WHY COUNSELING SKILLS IS IMPORTANT IN THE CONFLICT RESOLUTION IN KENYA Counseling is the process that occurs when a client and a counselor set a side time in order to explore difficulties which may include the stressful or emotional feelings of the client. Also in this process there are various steps which enable me counselor to achieve a positive outcome. When personal conflict leads to frustration and loss of efficiency, counseling may prove to be a helpful antidote. Although few organizations can afford the luxury of having professional counselors on the staff, given some training, managers may be able to perform this function. Nondirective counseling, or "listening with understanding", is little more than being a good listener something every manager should be. There are also various steps in counseling which the counselor to make his/ her work easier during either training or counseling a certain group of people. In this case a counselor has to connect with whom is going to council either a community, a group of people in either a company, institutions, churches etc, making first contact is very vital and much important since you have to meet the client. The counselor has also to communicate appropriately to the client so as to understand clearly either by asking him/her the questions or taking orally. The counselor also has to establish trust and confidentially in her/his client to avoid sharing the problem with other people. Counseling relationship The relationship...
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