Countries with higher savings rates experience faster economic growth than those with lower savings rates. By supplying a second source of income, capital accumulation gives a country more opportunities for output and productivity. The most crucial factor in increasing in-country capital is domestic savings growth, hence rising nations should prioritize encouraging domestic savings in order for capital to be invested in the most productive businesses. Governments must therefore pursue a number of policies, such as promoting savings, enhancing investment, and increasing domestic output, in order to accomplish economic development. The purpose of the study was to ascertain how savings in commercial banks affected Kenya's economic expansion. The research was impacted by the dependence ratio, marginal propensity to save, and the Harrod-Domar growth theories. The study only used secondary data sources, and the data it gathered were time series data. Inferential statistics, including correlation and multiple linear regression analysis, were used in the study. A causal research design was employed in the study. The study only used secondary data sources, and the data it gathered was time series data. The study used multiple linear regression and correlation inferential statistics. Further findings were that the model entailing; savings, FDI, GCF, exchange rate fluctuations, and prevailing interest rates significantly predicts Kenya’s economic growth. The final findings were that savings, FDI, GCF, exchange rate fluctuations, and prevailing interest rates each individually do not have a substantial impact on economic growth. Although savings and FDI are the sources of capital for investments and nations with low national savings rates are more dependent on FDI, policy recommendations are made to government officials, policy makers in the Treasury, as well as legislators, not to primarily focus on savings and FDI to spur economic growth. It is advised that policymakers take into account all factors influencing economic growth rather than concentrating only on savings and foreign direct investment. Managers and consultants of financial institutions are advised to source various non-deposit liabilities in addition to relying on deposits as their primary source of funding in order to get funds to lend to the private and public sectors. However, they might also look for alternative non-deposit liabilities to get capital to lend to the public and private sectors in order to improve their financial performance. Savings have no direct impact on economic growth, thus they will also not affect how well financial institutions function in the long run. Finally, suggestions are made to the general public on how to promote economic growth other than merely boosting savings rate

The study was carried out in Westlands sub-County, Nairobi County Kenya. The main purpose of the study was to identify the assess to counseling and coping efficacy among school going children aged 12 to 18 years of divorced families in Westlands sub-county, Nairobi County, Kenya. The researcher also was more interested to know about the views of school going children on the use of counseling and how it helped them cope with the effects of divorce which is out of control in today’s era due to various reasons. From research many homes and families are missing both parents and are broken apart, for example in Westlands there are so many homes that are headed by one parent due to the issue of divorce. The research also wanted to investigate if the use of counseling was effective in coping with the diverse effects of divorce. Data was analyzed using t-test. The key finding was that counselling services are accessible and significant among children aged 12 to 18 years in Westlands Sub-County.

This paper explored the factors that influence utilization of FANC among young women in Kenya. The study focused on women in the age bracket of 15-24 years in the KDHS (2014). The study sample is 2,032 women. The study was guided by Andersen’s theory of healthcare utilization. Utilization of FANC in the paper is measured by the number of visits and adequacy of services received. The data was modelled using logistic regression model. Pearson correlation is used to check for the significance of independent variables on utilization of FANC and marginal effects obtained to check probability of the outcome. From the findings, education, employment status, choice of pregnancy and place of residence have the highest effect on probability of FANC utilization.

Corporate governance dysfunctions have been linked to failures of several financial institutions. The managerial problems triggered the 2008-2010 global financial crisis that led to devastating effects on the economy for several years. In Kenya, Chase and Imperial Banks collapsed because the managed failed to implement appropriate liquidity control and risk management structures. The study aimed at exploring the correlation between the selected corporate governance mechanisms (board size, composition, CEO’s tenure and liquidity) and financial performance of tier two commercial banks in Kenya between 2017 and 2019. Census method was utilized to collect data on the corporate governance styles and financial performance of all tier-two banks in Kenya. Kolmogorov-Smirnov’s normality tests and Durbin-Watson’s autocorrelation tests were further administered to derive the multiple correlation model for predicting the relationships between the studied corporate governance practices and the bank’s ROA. Durbin Watson’s test result was 1.835 and all the variables had a weak correlation of below 0.05. Consequently, the studied corporate governance mechanisms hardly affect the ROA of the tier-two banks. The tier-two banks should restructure their corporate governance practices accordingly and embrace lean board sizes, comprehensive liquidity control procedures and appoint high performing CEO’s and provide ample time for the executives to deliver their mandates.

This study sought to analyze the influence of interpersonal communication on the adoption of Covid-19 preventive health behaviors among youths in informal settlements. Since the first case of Covid-19 was reported in the country in March 2020, over 5,600 people have died of the disease, another over 300,000 infected and billions of shillings worth of trade and jobs lost due to the pandemic. Despite efforts by the government and development agencies to get people to adhere to preventive measures many, especially in informal settlements did not. Literature suggests that social norms and other factors that determine behavior adoption can be influenced by interpersonal communication. This study, therefore sought to determine the factors which influenced interpersonal communication on the adoption of Covid-19 preventive health behaviors among youths in informal settlements, analyze the relationship between interpersonal communication with family, friends, work colleagues, and community health volunteers and the adoption of Covid-19 preventive health behaviors among the youths, and analyze the relationship between the nature of interpersonal communication and the adoption of Covid-19 preventive behaviors among youths in informal settlements. Perceived own comprehension of the preventive behavior, perceived comprehension of the preventive behavior by others, among others, emerged as important factors influencing interpersonal communication on the adoption of Covid-19 preventive behaviors among the youths. Interpersonal communication with family, friends, work colleagues, and Community Health Volunteers was found to influence the adoption of preventive behaviors positively in that it increases the perception of the virus as a threat and makes the youths feel more susceptible to the virus. Threatening and rebuking the youths when discussing Covid-19 preventive behaviors was found to be counterproductive. The study recommends that interpersonal communication be utilized more in tackling Covid-19 in informal settlements. Key words: Covid-19, Preventive health behavior, interpersonal communication

Competence Based Curriculum is a skilled-based education system that has been adopted by various countries to orient students on competent skills. While the proposed curriculum is relevant considering the evolving economic status, theiabsenceiofiappropriatelyiprepared instructorsiisioneiofitheisignificantidifficultiesithwartingisuccessfuliexecutioniof competence basedicurriculum.iThisistudyithereforeisoughtitoiconductianiassessment of teachers’ preparednessiinicompetencyibasedicurriculumiimplementationiandilearners performance in publiciprimaryischoolsiiniAwendo-MigoriiCounty,iKenya.iSpecifically,itheistudy sought to analyseitheiinfluenceiofiteacher’sipedagogicaliskillsiiniCBCiimplementation on learners performanceiinipubliciprimaryischoolsiiniAwendo-Migoriicounty,iKenya, to assess the influenceiofitechnologicaliskillsiiniCBCiimplementationionilearnersiperformance in public primaryischoolsiiniAwendo-Migoriicounty,iKenyaianditoiassessitheieffectiof teachers’ selfperceivedicompetencyiiniCBCiimplementationionilearnersiperformanceiin public primary schoolsiiniAwendo-MigoriiCounty,iKenya.iTheistudyiadopteditheidescriptiveisurvey design. Theistudyitargetedi15iprimaryischools,i50iheaditeachers,i620iteachersiand 4,560 lower primaryischoolipupilsiiniAwendoisub-county.iAsisuch,iin sampling the schools, head teachers,iteachersiandipupils,itheiresearchericonsideredi30ipercentiofithe target population becauseitheipopulationiwasiasithatilarge.iFifteenischools,i15iheaditeachers,iand 180 teachers. Theiresearcherisampledi90ipupilsitoiparticipateiinigroupidiscussions.iThis was a 10 percent ofitheitargetipopulation.iTheistudyireliedioniprimaryidataiwhichiwasicollected through use ofiquestionnaires.iTheistudyiusedidescriptiveistatisticsiforidataianalysis. The study results wereipresentedithroughiuseiofitablesiandifigures.iTheistudy concludes that teacher’s pedagogicaliskillsiiniCBCiimplementationiinfluenceilearnersiperformanceiinipublic primary schoolsiiniAwendo-Migoriicounty,iKenyaitoiaiveryigreatiextent.iIniaddition, the study concludesithatitechnologicaliskillsiiniCBCiimplementationiinfluenceilearnersiperformance in public primary schools in Awendo-Migori county, Kenya to a very great extent. Further, the study concludes that teachers’ self-perceived competency in CBC implementation influence learners performanceiinipubliciprimaryischoolsiiniAwendo-Migoriicounty,iKenyaitoia very greatiextent.iFromitheiresults,ithisistudyirecommendsiregularitrainingiofiteachersitoienhance their pedagogicaliskillsisoiasitoiensureieffectiveiimplementationioficompetency based curriculum.iIniaddition,iprimaryischooliteachersishouldibeiequippediwithiknowledge and skills that will ensure they are able to embrace and integrate ICT.

The1 study aimed1 design was1 study. The1 the1 to investigate1 small and medium enterprises1 the1 unit1 26 branches1 the1 pecking order theory, and the1 applied in this1 of analysis1 sampling method was1 collected through the1 consistency, cleaned, and the1 responses1 from the1 content1 analysis. The1 factors1 study. This1 was1 the1 affecting availing trade1 by NCBA Bank Kenya PLC. This1 and SME1 in Nairobi. Therefore, the1 adopted to select1 questionnaire, the1 information was1 NCBA Bank Kenya PLC requires1 aspects1 include1 and interests1 given the1 of the1 loan. The1 data may in particular benefit1 finance1 asymmetric information issues1 that1 asymmetry affect1 the1 a sample1 total respondents1 size1 use1 of interview guide. The1 useful ones1 researcher analyzed1 displayed in prose1 SMEs1 to provide1 to access1 both their funded and non-funded facilities. The1 cost1 of credit1 fees1 relatively high transaction costs1 collateral requirements, cost1 the1 international finance1 financial institutions1 regular awareness1 products1 offering trade1 that1 and provide1 availing trade1 finance1 study was1 facilities1 financial intermediation theory. A descriptive1 study targeted NCBA Bank Kenya, being the1 senior managers1 to anchored by research case1 in relationship managers1 were1 252. A stratified of 73 respondents. Primary data was1 interviews1 coded and analyzed. After collecting data the1 qualiitative1 form. The1 contract1 cost, processing levies, insurance1 study also found that1 SMEs, which are1 often unattractive1 data using study found that1 some1 form of collateral in order study established further that1 fees, negotiation for (trade) improved quantity and quality of clients1 in relation to low financing volumes. The1 of credit, business1 finance1 facilities1 campaigns1 offered by the1 on record keeping, entrepreneur skills1 study recommends1 rejection rates1 NCBA Bank must1 more1 trade1 finance1 to sensitize1 triggered by their opacity and resulting study concluded risk and financial information to small and medium enterprises1 NCBA Bank Kenya PLC. The1 study recommends1 that1 the1 NCBA Bank’s1 should conduct1 management1 SMEs1 customers1 on various1 bank. Further, NCBA Bank and other evaluation. Moreover, the1 financing should offer basic financial training to SMEs1 and loan investment1 be1 appropriately incentivized to reduce1 to their clients.

This study looked at how ALM (asset liability management) affected the financial health of Kenyan public financial institutions (commercial banks). Owing to the necessary data derived from the CBK annual reports, 28 domestically licensed commercial banks and 14 international commercial banks with branches, agencies, and other outlets throughout the country from 2012 to 2022 were chosen for this purpose. For the analysis, second-party data was gathered from the Federal Reserve Bank (CBK) annual reports. Descriptive statistics, correlation coefficient, and regression analysis were used to analyse the acquired data. The study established that Asset Liability Management is comprised of the CAMEL factors, i.e., Negative operational and financial issues like; reduction in investor trust, panic withdrawals, and problems with everyday operations, among others, can be caused by factors such as capital adequacy, asset quality, liquidity, operational efficiency, and income diversification. Therefore, commercial banks’ balance cash banks and outflows introduction (asset reduce management factors). According to the regression analysis results, the CAMEL factors prove statistically significant on commercial banks’ financial performance. The commercial observed that more significant Capital Adequacy, liquidity, and operational efficiency hurt on financial hurts but are statistically significant for their tcalculated values were higher than the t- critical in absolute of the threshold level of 1.96. Whereas Asset Quality and income diversification had a positive impact on the financial performance of the banks, and their t- calculated as well were more significant than the tcritical 1.96, thus proved to be statistically significant, not proving analysis findings led to the conclusion that asset liability management impacted Kenya’s commercial banks' financial performance.

Using the continuity theory as a lens, this study recognizes that retirement is not the end of working for retirees. Retirees establish continuity in their lives through MSEs. The focus of the study was the effect of retirees’ financial resources on the performance of micro and small enterprises in Murang’a Township. The objectives were to assess the characteristics of retireeowned MSEs in Murang’a Township; to examine the relationship between retiree’s financial resources and the performance of their post-retirement businesses in Murang’a Township and to determine the challenges of retiree-owned MSEs in Murang’a Township. The study used a descriptive cross-sectional approach. The retirees were identified through non-random sampling and therefore the findings of this study cannot be generalized to a larger population. The study findings determined that there were more male business owners than female ones. The highest level of education by a majority of the retirees was completing secondary school and the agegroups of the retirees were between 55-84 and 85 and over. To examine the relationship between retiree financial resources and the performance of micro and small enterprises, the chi-square test of independence was carried out in order to avoid assumptions of normality. The results show that there is no relationship between retiree financial resources and the performance of micro and small enterprises in Murang’a Township. The study used non-financial performance measures for there is no empirical evidence of preferring financial over non-financial performance measures. The study concluded that in fact, performance measures vary depending on the individual entrepreneurs’ objectives. The findings point out that almost all the retirees’ sampled considered their business an absolute success even though the motives for starting the business varied from one individual to the other.

This study sought to determine the effects of strategic management practices on technological innovations of Nairobi City County public health facilities. The facilities have faced challenges in strategy formulation, implementation and evaluation. Further, with the world going digital, the public health facilities have been left behind in technological innovations. The study relied on the resource-based theory (RBT), the dynamic capability view and the core competence or innovation theory. This research adopted the descriptive research design. Studied all the 80 public health facilities in Nairobi County involving employees in managerial positions as the respondents. From the 80 health facilities, the study adopted purposive sampling to select one manager from each facility. Questionnaires administered through interviewing method were used to gather the data. From the findings on strategic management practices, the study found that there was adequate knowledge and expertise. However, the facilities had neither technology innovation strategy nor adequate financial resources and change management measures. The top management were not committed and lacked adequate controls to monitor and ensure strategy milestones were met within the facilities. On technological innovation, the participants agreed that the hospital managements preferred tried and tested machinery and products or services due to the cautious nature of the management. They also rarely developed new processes despite developing new products and services though on small scale. They disagreed that processes and technique changed rapidly in their hospital due to technological innovation; and that they had been involved in development and improvement of technological procedure/processes for other hospitals. Correlation analysis showed that strategic4 management practices4 innovations. The study also found strategic4 had a positive relationship4 management practices4 had a positive effect4 with technological on technological innovations. The study concludes that the public health facilities in Nairobi County have poor strategic management practices which have led to poor technological innovations. The study further concludes that strategic management practices relate positively with technological innovations. The study concludes that strategic management practices possess a positive relationship with technological innovations among public health facilities in Nairobi County. From the regression analysis, strategic management practices have a positive effect on technological innovations among public health facilities in Nairobi County. The study recommends public health facilities in Nairobi City County formulate a technology innovation strategy; come up with change management policies; install adequate controls to monitor and ensure strategy milestones are met within the facilities; and develop new processes through adoption of modern technologies that are unique.