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Exploring the Effect of Entrepreneurial Savings Incentives as Determinant of Savings Mobilization among Micro and Small Enterprises
(International Journal of Academic Research in Business and Social Sciences, 2017-02-12) Atandi, Fred Gichana; Bwisa, Henry; Sakwa, Maurice
The outcome of research conducted on financial institutions across the world have indicated mixed findings on the effect of savings incentives in increasing savings mobilization among MSEs. Despite that other study findings have shown that savings incentives initiatives from financial institutions have encouraged consumers of financial products and services to increase savings mobilization, financial institutions offering automatic bank savings incentive programs report positive results. However, for any savings initiative to create an impact on the expected beneficiaries, savings incentives ought to meet the unique needs of their diverse consumers for them to be motivated to save even more with their respective financial
institutions . The target population for this study was members registered with Kenya National Chamber of Commerce and Industry Trans Nzoia county and therefore were conducting business within the county. The design used for the study was mixed method The study used stratified sampling to categorize MSEs into three strata’s namely service manufacturing and commerce or trade and then random sampling was used to get the actual target population to be used in the study . To test the reliability and validity of research instruments pilot study was conducted and all the research instruments met the threshold of cronbach alpha of 0.70. The study also conducted correlation analysis among the financial literacy factors which were found to be significant to be used in the study. The major findings of the study indicated that there was a significant relationship between gender of entrepreneurs and savings incentives which determined the amounts of savings mobilized and therefore financial institutions to meet their customer’s expectations according to their genders. It was also found that significant relationship between number of family dependents which determined the amount of savings mobilized. There was also found to be a significant relationship between gender of entrepreneurs and the amount of money they mobilized with their financial institutions which depended on saving and withdrawal charges incurred when transacting. It was therefore concluded that financial institutions savings incentives do not necessarily entice customers to save with them but rather focus perhaps more on relationship enhancement to offer differentiated customer experiences to their respective clients. The study recommends that savings mobilizations institutions whether formal or informal should in collaboration with their clients (MSEs) work on viable savings incentives which will eventually benefit both of them because there are various savings incentives and when implemented outcomes are diverse. Therefore the expected beneficiary of the incentive ought to be involved in designing an incentive program for themselves without adversely affecting the gains anticipated from both parties. The study further recommends that financial institutions to design products and services which takes into consideration gender, level of education and the number of dependents in the entrepreneurs household which influences the decision to mobilize savings with financial institutions .
Strategic Partnerships and Organizational Performance of Broadcasters in Kenya
(International Journal of Social Science Research and Review, 2023-09-22) Wangila, Brian Mukhongo; Atandi, Fred Gichana; Okonda, Michael Washika
The performance of broadcasters has struggled with the economic implications of the digital disruption, the mobile telephony and the advent of social media compelling managers to rethink and recalibrate their strategies while radio and television stations have shut down their operations in the recent times in Kenya. The overall objective of the study was to determine the influence of strategic partnerships on the organizational performance of broadcasters in Kenya. The study was underpinned by the Igor Ansoff’s theory and resource based view theory. A correlation and descriptive research design was adopted. The target population comprised of 239 radio and TV station mangers drawn from 167 radio and 72 television stations. Simple random sampling was applied. The sample size of the study was 179 respondents. Results revealed a strong significant relationship between strategic partnerships and operational performance (r=0.667; P<0.000). Study concludes: strategic partnership has got a significant influence on organizational performance.
Navigating Economic Transformations: Accounting for Paradigm Shifts in Post Covid-19 in Listed Companies in NSE, Kenya
(International Journal of Latest Technology in Engineering, Management & Applied Science, 2024-04-22) Nyongesa, Lydia Nanjala; Atandi, Fred Gichana
The COVID-19 pandemic fundamentally reshaped the global economic landscape, forcing businesses to adapt to unprecedented challenges. This study examines the paradigm shifts witnessed among companies listed on the Nairobi Securities Exchange (NSE) in Kenya. By drawing on reputable sources like the Capital Markets Authority (CMA) and Kenya Institute for Public Policy Research and Analysis (KIPPRA), the research explores the prevalence of digital transformation initiatives, the adoption of remote work policies, the assessment of financial resilience strategies employed by these companies and the adaptive strategies for resilience and growth. The findings reveal a significant push towards digitalization, with 76% of NSE-listed companies actively pursuing digital transformation initiatives. The shift to remote work was also widespread, with 68% of firms implementing formal remote work policies. However, challenges such as skill gaps, cybersecurity risks, and maintaining productivity in remote settings were identified. The analysis of financial resilience highlights the varying impact on different sectors, with some experiencing declines in revenue, profitability, and liquidity ratios. The study concludes by emphasizing the need for further research into sector-specific transformations and the long-term effects of the pandemic on NSE-listed companies
Influence of Dividend Payout Rate on Financial Performance of Selected Listed Companies
(International Journal of Current Science Research and Review, 2024-06-22) Oundo, Philip Ojiambo; Atandi, Fred Gichana; Singoro, Brian
The purpose of this study was to investigate the effect of dividend payout on financial performance of selected companies listed on the NSE, Kenya. The study was guided by the following specific objectives: Establish the effect of dividend payout rate on financial performance, determine the effect of dividend per share on financial performance, examine the effect of dividend yield on financial performance and determine the moderating effect of company size on financial performance of selected companies listed on Nairobi Securities Exchange. The study used longitudinal research design targeting 57 companies listed on NSE as at 31st December 2020. Purposive sampling technique was used on the target population, whereby 18 least performing companies as at 31st December 2020 were selected. A total of 90 observations were included in the dataset. Secondary data was
collected mainly from NSE Handbook 2020-2021 and annual reports of the companies over five years from 2016 to 2020. The analysis involved both descriptive and inferential statistics. An empirical estimation was then carried out involving testing for stationarity of the variables, cointegration and estimating the cointegrating relation. It was expected that the output of this study provided a basis for Board of Directors and managers of companies in Kenya, Investors, Government agencies and regulatory bodies to make an informed decision and develop policies for investments. The study came with findings, made conclusions and appropriate recommendations. Based on the findings, the study concluded that dividend payout rate led to an increase in ROA of selected companies listed on Nairobi’s Securities Exchange. Therefore, dividend payout rate had a positive and significant effect on financial performance of selected companies listed on Nairobi’s Securities Exchange. When companies enhance dividend payout, there is a likelihood of improved financial performance of selected companies listed on NSE, Kenya. The study recommended that companies
listed at NSE should ensure that the dividend payout rate is aligned with the company's long-term strategic objectives. For instance, a mature, stable company may prioritize regular dividends to reward shareholders, while a growth-oriented company may reinvest profits for expansion. Furthermore, the study recommends that the government should support companies by ensuring that there are sound decision practices on dividend payout policy for the sustainability of companies. This study should be used by academicians to understand how well management allocates profits between reinvestment and shareholders returns. Dividend payout rate can be used to tell a company’s financial health and examine key financial metrices. Suggestions for further studies to be carried out in the entire East Africa Region to assess the establishment of companies in Kenya, Uganda, Tanzania, Burundi, and Rwanda, and then compare the results of those listed companies in the region. Also, more studies should be carried out in the future to investigate the effect that dividend policy contain on the expansion of the economy.
Influence of Repayment Period on Choice of Loan Packages by Sacco Members in Kakamega Central Sub County, Kenya
(International Journal of Latest Technology in Engineering, Management & Applied Science, 2025-02-22) Wanzetse, Everlyn Aluoch; Atandi, Fred Gichana
This study examined the influence of repayment period on loan package choices among SACCO members in Kakamega Central Sub-County, Kenya, addressing the challenge where members struggle to access loans despite substantial deposits due to repayment constraints. The objective was to determine how repayment period influences loan package selection, guided by Agency Theory which explains the relationship between SACCO management and members in setting loan terms. Using a descriptive survey design, data was collected from 374 respondents selected from a population of 9,758 SACCO members through structured questionnaires out of which 346 questionnaires were filled and returned. Regression analysis revealed that repayment period significantly influences loan package choice (R²=0.232, β=0.482, p=0.004), explaining 23.2% of variation in selection. The study concluded that members favor loan packages with repayment terms aligned to their income patterns and loan purposes, with 44.5% preferring development loans offering 36-48 month terms. Key recommendations include implementing flexible repayment options, aligning periods with member income patterns, and considering loan purpose when setting terms.