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Improving Savings Mobilization of Micro and Small Enterprises through Entrepreneurial Financial Literacy
(International Journal of Academic Research in Business and Social Sciences, 2017-04-22) Atandi, Fred Gichana; Bwisa, Henry; Sakwa, Maurice
Study findings from past studies and experts have indicated that financial literacy has enabled MSEs make informed financial decisions on savings mobilization in their respective financial institutions based on knowledge and skills attained during financial literacy trainings which has
gone a long way in enhancing their entrepreneurial growth. The financially literate entrepreneurs is more likely to trust financial institutions because they well comprehend the financial products and services provided by these institutions. To better study this subject matter the researcher employed mixed research design to conduct the study among 339MSEs who are registered with KNCCI Trans Nzoia county. The study used stratified sampling was used 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. Also pilot study was conducted to test the instruments reliability and validity which met the
threshold 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 indicated that financial literacy trainings makes entrepreneurs confident to make savings decisions independently after acquiring knowledge and skills in preparing and adhering to savings plan, setting savings goals, financial budgeting and change of attitude on money management behaviors. The study concludes that financial institutions to develop gender based financial literacy training manual and enhance the capacities of trainers to deliver financial literacy training using a gender perspective and to increase on gender dimension of work. Also it concluded that financial literacy training should be provided before entrepreneurs engage in financial contracts such as in schools to offer basic financial literacy to help students/youths to navigate an increasingly complex financial environment as they grow. The study recommends that formal financial institutions to reach out to the informal financial service providers who are still controlling a large clientele of MSE’s and facilitate a financial literacy training program without marketing their respective financial products and services to eliminate any suspicion amongst the potential savings mobilizes through provision of adequate financial information to empower them make informed choices related to financial matters in general.
Effect of Credit on Micro and small Enterprises Performance in Kitale Town
(International Journal of Academic Research in Business and Social Sciences, 2013-09-22) Atandi, Fred Gichana; Wabwoba, Timothy Barasa
The MSEs contribution to the growth of the national economy continue to assume increasing significance especially in job creation . These enterprises are created to fulfill the primary needs of man and are formed under conditions of risk and considerable uncertainty .This sector is encumbered by many problems chief among them being financing. A number of organizations have stepped in to finance their operations and solve this problem and promote their business performance. Its in light of this that this study was carried out with the objective of conducting a study to determine the effect of credit available to MSEs on business performance in Kitale town. More specifically this research sought to establish the effect of credit on kinds of assets acquired , market share served , stock levels held in the business and number of employees added in business.. On the effect of credit available to MSEs on business performance by considering value of assets acquired on accessing credit, it was found that credit available to MSEs does not necessarily lead to addition of assets. The effect of credit available to MSEs on expanding market share, it indicated that credit availability does not guarantee a bigger market share. The effect of credit available to MSEs on business performance by considering stock levels held it revealed that little money was allocated to purchasing of additional stock. On establishing the effect of credit available to MSEs by considering additional number of employees it was found that MSEs do not necessarily lead to good performance.
Challenges of agent banking experiences in Kenya
(International Journal of Academic Research in Business and Social Sciences, 2013-08-22) Atandi, Fred Gichana
More than ever before there is a global concern to entrench financial deepening access to previously ignored areas due to some areas considered economically unviable where majority of the MSEs operate their businesses. There is an increasing need to promote technological and institutional innovation as a means to expand financial system access and usage, including addressing infrastructure weaknesses and empowering business enterprises by developing financial literacy and financial capability programs to bring all people on board and all to participate in economic development of a country, perhaps agent banking will offer a solution to slow pace of individuals enterprise development especially from the rural areas. The uptake of agent banking in Kenya has not been well appreciated by the target beneficiaries who include among others the micro and small enterprises in the rural areas in Kenya who were expected to benefit from this technologically innovative service. In as much as it has been
witnessed that there is an increase in penetration of agent banking services clients have not fully made use of the available agents at their localities to cut down on transaction costs occasioned by travelling to traditional branches and also time wasted on queuing for services. It can also be noted that, the banks have not fully taken advantage of agent banking to explore all market segments at a low operating costs. The researcher also identified some of the factors hindering the well functioning of agent banking despite mounting financial literacy training to Equity bank clients. Lack of mobile network services and float, lack of capital, issues of insecurity and fear of robbery. The paper is based on a study conducted to reveal the
challenges which are hindering the rural people of Kenya from benefiting from agent banking.
Impact of Internship Programme on the Performance of Public Health Care Institutions
(Global Journal of Human Social Science Arts & Humanities, 2012-04-17) Yeswa, Eunice A.; Okaka, Ochieng; Mutsotso, Stanley Ngome; Odera, Odhiambo; Mumbo, Hazel Miseda
The study seeks to obtain the impact of internship programme on the performance of public health care institutions. Contextual factors are sought that influence the relationship, impact and effect between internship programme and performance of public healthcare institutions. The research design adopted is descriptive survey through both qualitative and quantitative data. This study is conducted in Kakamega County, western region of Kenya. The population of the study is 2225 with a stratified randomly selected sample of 444 respondents. Primary data is collected through questionnaires while secondary data is sourced from official hospital records, journals, text books and internet articles. Data is analyzed using descriptive and
inferential statistics. The study concludes that internship programme influences performance of public healthcare institutions.
Influence of Informal Cross-Border Trade on Student School Attendance in Secondary School in Busia County, Kenya
(International Journal of Research and Innovation in Social Science, 2021-12-17) Amweno, Lilian; Shiundu, John; Mutsotso, Stanley Ngome
The main purpose of this study was to investigate the influence of informal cross border trade on students’ participation in education and academic achievement in the secondary schools in Busia County. The study specifically examined the various informal cross border trade activities that influence students school attendance, determined the socioeconomic factor that drive learners into participating in informal cross border trade and established the influence of informal cross border trade on students retention, completion and academic achievement. The study was guided by George Homans Rationale Choice Theory and Albert Bandura’s’ Social Learning theory. Research adopted descriptive survey research design. The targeted population comprised of 34 School Principals, 68 Guidance and Counseling teacher, 476 students, 10 Quality Assurance and Standard Officer and 10 Community leaders. Simple random sampling technique was used to select a sample size of 389 secondary students and 59 teacher while saturated sampling technique was used for31 principals, 10 Quality Assurance and Standards Officers and 10 community leaders. The study found out that students in secondary school participate in various informal cross border trade activities that were categorized as: transport operations, retail trade, industrial related activities, service provision activities and worst forms of informal cross border trade. The study established that involvement in informal cross border trade affected students’ attendance, punctuality, discipline and retention which in turn affect their academic achievement due to lack concentration and commitment in their studies. Based on the findings, it can be concluded that informal cross border trade is a major challenge to the children’s right to access and succeed in education in Busia County, Kenya.