E-banking constitutes the use of ATMs, mobile and internet banking, automated teller machines, television based banking and automated personal computer banking. Despite the significance of e-banking in clarifying financial execution, the effect of e-banking on banks performance is as yet misconstrued. The study therefore, did seek to analyze the effect of e-banking on financial performance of commercial banks in Kenya. Three theories namely; technology acceptance model, financial inclusion theory and innovation diffusion theory provided the theoretical foundation for this study. This study did embrace a documentary review research design. The unit of study were the registered and licensed commercial banks operating in Kenya. According to Central Bank of Kenya there are 42 commercial banks licensed to operate in Kenya as per the year 2021 where the researcher conducted a census of all the 42 commercials banks. Secondary data was collected from the commercial bank reports for the year 2017-2020 and was analyzed using descriptive and inferential statistics. Reports from of 40 commercial banks were obtained since the remaining two were suspended by the concerned ministry. The study established that every bank had at least one form of electronic banking service. Inferential statistics showed that a positive correlation exists between value of mobile banking, value of ATM transactions and average net income. While there is an average correlation between internet, banking cards banking and average net income. The multiple regression model showed that the adjusted R-square=0.955 which shows that the value of predictors (mobile banking, internet banking, Banking Cards, ATM) contributes to 95.5% of the financial performance (Average net income). The study concludes that electronic banking have an effect on financial performance among commercial banks in Kenya. The study recommeds to the banking industry managerial units to formulate policies of innovation and practices that would enhance electronic banking usage in propelling their performance in their respective institutions.

The researcher critically analyzed how corruption prevention interventions influence management of NGOs, a case study of AMREF- Afya Timiza project in Kenya. The researcher intended to answer the following questions; what is the extent to which fraud reporting behavior influences the management of health projects funded by non - governmental organizations? What is the extent to which witness protection strategies influence the management of health projects funded by nongovernmental organizations? What is the extent which corruption investigations a method influences the management of health projects funded by non- governmental organizations? What is the extent which media reporting influences the management of health projects funded by non-governmental organizations? To answer these questions, the study set out the following objective: To assess how corruption prevention interventions influence the management of health projects funded by NGOs. A case of AMREF-afya timiza in Kenya. The study was anchored on two major theories namely; The Institutional theory and the Principle-Agent theory. The study relied on the mixed methods an approach in collecting data, the primary data was collected using the questionnaire while the secondary data was collected using articles. Collected data was analyzed using both the quantitative methods of data analysis and the qualitative methods as well. The target population was 120, the sample size was used was 92. The study focused on the head office since it is the prime place where managerial employees’ general policies are formulated and centralized before implementation. Purposive sampling technique was used in the study. With regard to management of NGOs the study findings established there exists Budgeting efficiency on all functional departments also there exists strategic plans for all operational activities in the organization used in managing NGOs at a large extent.

Asset allocation strategies adoption in pension schemes management present cardinal importance. This study sought to examine asset allocation strategies adopted by pension schemes in Kenya. The study used descriptive cross sectional survey design. Yamane model and systematic sampling technique were used to draw a sample of 80 pension schemes. Structured questionnaires’ were administered to fund managers of sampled pension schemes of which 74 successfully responded (92.5% response rate). Descriptive statistics; mean, standard deviation, minimum, maximum, frequency and percentages were used to analyze the data. The study established that various asset allocation strategies were adopted by pension schemes in Kenya: Strategic asset allocation strategy (Composite Mean = 4.202), Dynamic asset allocation strategy (Composite Mean =3.395), Tactical asset allocation strategy (Composite Mean = 4.69), Constant weighted asset allocation strategy (Composite Mean = 4.215), Insured asset allocation strategy (Composite Mean = 4.55), Integrated asset allocation strategy (Composite Mean = 4.61) and Asset and Liability management strategy (Composite Mean = 4.855). Factor analysis ascertained latent variables in the study. The study data had KMO value of 0.678, slightly above the KMO standard threshold of 0.6, denoting substantial correlation in the data, thus considered satisfactory for Factor Analysis. Bartlett`s test shown significance at 0.000, implying that any identified factor accounted for ascertaining asset allocation strategies adopted by pension schemes in Kenya. The six factors after rotation still cumulatively accounted for by 92.242% of total rotation variance. The study recommended that pension scheme fund managers, trustees, regulator- retirement benefits authority and other pension scheme practitioners ought to regularly monitor and evaluate asset allocation strategies that best suits respective pension schemes to guarantee continuous growth and provision of pension benefits to members.

The informal sector, is Kenya's largest employer, employing over 83 percent of the workforce and generating about 34 percent of the country's GDP. Despite their importance, statistics show that three out of every five companies collapse during the initial period in existence, with 80 percent of those who survive failing by the fifth year. The most pressing issue confronting MSMEs is a lack of access to finance. Mobile lending has come to fill this gap but questions are being raised due to its high interest rates. The main aim of this research was to analyze the influence of mobile lending on financial sustainability among SMEs in Roysambu Sub-county. The following objectives were used to provide guidance; to determine the influence of credit accessibility on financial sustainability, to study the effect of cost of credit on financial sustainability, to study the effect of terms of credit on financial sustainability and to establish the effect of credit convenience on financial sustainability. This research adopted the financial intermediation theory, information asymmetry theory and finance growth theory. This research employed a descriptive research design. The 1098 registered SMEs in Roysambu Sub-county served as the research population. Sample size was 96 respondents arrived at using Yamane formula. This research relied on primary data collected through questionnaires. Google forms were made use of in the questionnaire administration. The collected data was converted into quantitative format to make analysis by use of SPSS. The statistics generated were descriptive statistics which comprised of mean and std. deviation and inferential statistics which included both correlation analysis and multiple linear regression. The study revealed a significant positive relationship between credit accessibility, cost of credit, terms of credit, credit convenience and financial sustainability among SMEs in Roysambu Sub-county. Regression analysis revealed that 93.3% of changes in financial sustainability among SMEs were attributed to the four variables selected in this study. In conclusion, credit accessibility, cost of credit, terms of credit and credit convenience are essential in enhancing financial sustainability. Based on the findings, credit convenience had the greatest influence on financial sustainability followed by terms of credit while credit accessibility and cost of credit had the least influence. As a result, it is recommended that SMEs' managers and owners should utilize mobile lending, as this improves their financial sustainability.

In a business context which is marked by rivalry that is intense, advancements of technology rapidly and rivalry for prospective customers, a demand is growing for profit-oriented organizations to craft strategies that are competitive in order to attain competitiveness relative to its rivals and guarantee performance that is superior. For long, manufacturing companies in the pharmaceuticals industry in Kenya have traded in an adverse business context that is volatile. The cutthroat dynamics have consequently led to a majority of manufacturing firms in the pharmaceuticals industry losing their proportion of the market, volume of sales, production cost and profitability. they have consequently resorted to adopt strategies aimed at building their competitive positions in comparison to rival firms with a view to endure competition and outperform rivals. It is unexplored however, how these strategies that are competitive adopted, predict performance thereof. This study endeavored to fill this gap by ascertaining how strategies that are competitive influence manufacturing firms.in the pharmaceuticals industry in Nairobi Metropolitan Area, influence performance. A cross-sectional design was taken in this study and the target population comprised relevant departmental heads concerned with business, strategy development or their matches, from the 35 manufacturing firms in the pharmaceuticals industry in Nairobi Metropolitan Area. Due to the considerably small target population, a census survey was adopted, by which all manufacturing firms in the pharmaceuticals industry in Nairobi Metropolitan Area were selected in the study. Gathering of primary information was conducted by use of a structured questionnaire. Computations of both inferential and descriptive statistics were then conducted. Results show that performance is at 95% confidence level influenced significantly by focus strategy (β = .315, Sig.=.049<.05), strategy of differentiation (β = .286, Sig.=.043<.05) and cost leadership (β = .355, Sig.=.018<.05). It is concluded in the study that cost leadership, focus and differentiation strategies have an effect which is significant and positive on performance of pharmaceuticals industry’s manufacturing firms in the Nairobi Metropolitan Area. The study thus recommends that manufacturing firms in the pharmaceuticals industry that seek to achieve performance that is superior ought to adopt as strategies that are competitive, cost leadership, strategy of differentiation and strategy of focus.

Savings and Credit Cooperatives provide financial intermediation services and have a lot of competition from other financial intermediaries like banks. Thus, the concept of strategic management and its practices are needed by Saccos in order to respond to changes both in their internal and external environment. The performance of farmer-based deposit-taking Saccos’ is concerning given that agriculture is the largest economic activity in Kenya and employs a majority of Kenyans. In a bid to remain competitive, the farmer-based deposit-taking Saccos’ have introduced various strategies such as mobile banking, branch network expansion, research, rebranding, enhanced marketing, enhanced efficiency and have introduced innovations in the manner in which they deliver their products and services. However, since the introduction of the new strategies various farmer-based deposit-taking Saccos have stopped operations. This raises the question of the effectiveness of the strategic management practices and how they affect performance. The aim of this academic project was to evaluate the manner in which strategic management practices such as environmental scanning, strategy formulation, strategy implementation and strategy monitoring and evaluation affect performance. This study was guided by the resource-based theory, McKinsey 7S framework, and agency theory. The study used descriptive research design. The target population of the study were the farmer-based deposit-taking Saccos in Kenya. The study was able to sample 36 of the 49 Saccos. Data for the study was collected from the senior financial managers at the respective Saccos. The data was collected using questionnaires. Data was analysed using Statistical Packages for Social Sciences. The study found that environmental scanning, strategy formulation, strategy implementation, and strategy monitoring and evaluation were used to a great extent as implied by means of 4.28, 4.26. 4.06, 4.43 respectively. The effect of environmental scanning on performance was found to be negative and statistically significant, as implied by coefficient of -1.047 and p-value 0.002. The effects of strategy formulation and strategy implementation on performance were found to be positive and statistically insignificant, as the beta coefficients were 0.359 and 0.460 with p-values of 0.260 and 0.098 respectively. The effect of strategy evaluation on monitoring and evaluation was found to be positive and statistically significant given that the beta coefficient was 0.363 and p-value was 0.042. The study concludes that only strategy monitoring and evaluation practices used by the Saccos was effective. The study recommends that the farmer-based deposit taking Saccos review their environmental scanning, strategy formulation and strategy implementation practices.

This study examined how bank failure announcements for Dubai Bank, Imperial Bank Limited and Chase Bank Limited affected the financial performance of tier III banks in Kenya. The population of study consisted 18 tier III banks in Kenya that were in operation from December 2016 to June 2018. The analysis was on a quarterly basis and covered a period of two years before and two years after the bank failure announcements. Kenyan banks are categorized as large, medium and small. Tier III banks are those categorized under small peer group. Financial performance was measured using Return on Assets (ROA) while other financial variables (liquidity, asset quality and capital adequacy) were also used to test the effect bank failure announcements had. Data for the 18 tier III banks was obtained and analyzed using event study methodology and trend analysis. Statistical Package for Social Sciences (SPSS) was used in the analysis by performing a paired t-test of difference of means of the data before bank failure versus actual performance after bank failure announcements. Paired test of difference in means for actual performance after bank failure and the expected performance after bank failure was also done. The study also used charts to perform a trend analysis. After the failure of Dubai Bank, Imperial Bank and Chase Bank Limited, the Kenyan economy witnessed several shifts in commercial banks. Some banks and mainly the tier III banks were acquired by big banks both local and foreign, others were put under CBK support for a while, others sold part of their fixed assets to boost their liquidity and capital levels and some are still struggling to be liquid as per regulatory requirements. The results showed p-values of < 0.05 for ROA, liquidity and asset quality leading to a conclusion that the difference in means is significant for these variables. Accordingly, bank failure announcement had a negative and significant correlation with ROA and liquidity and a positive and significant correlation with asset quality. On the other hand, p-value for capital adequacy was > 0.05 leading to the conclusion that the difference in means is not significant for capital adequacy. Therefore, bank failure announcements affected ROA, liquidity and asset quality negatively while no significant effect was observed on capital adequacy for tier III banks. Accordingly, the deterioration in performance of tier III banks in post event window could be associated to the bank failure announcements. As a result, the study recommends that regulators should put in place stringent measures and implement multi-dimensional early warning system towards preventing bank failures that may affect other institutions negatively.

The purpose of this study was to establish determinants of Islamic banking growth among conventional banks in Kenya. Descriptive research design was adopted with a focus on 42 conventional banks offering financial services both conventional and Islamic window products. The study adopted factor rating technique/method which is inferential statistical tool to analysis collected data. The findings were that majority of respondents agreed that the growth is as a result of religious value with 14.29 percent of the respondents strongly agreed while 2.8 percent agreed. The conclusion arrived out of the study is that Religious Values is the key determinant to Islamic banking growth among conventional banks in Kenya. The study proved that Islamic banking among conventional banks is attracting customers based on their religion at the expense of its product features and innovativeness, more so the products are still offered to Muslims only despite banks doing a lot of marketing to both Muslims and non-Muslims. The researcher recommends that future research activity be done on the compliance aspect with a focus on growth and compliance aspect of the sector in the newly thriving sector of the banking industry.