The general objective of the study is to find out the effect of Mobile Banking on services delivery in Kisii Saccos. The following are the specific objectives: To examine information technology usage in the banking sector. Since it was information technology that gave birth to Mobile Banking. To establish the relationship between information technology and customer satisfaction. To establish the relationship between effective service delivery and customer satisfaction.

The aim of this research work is to analyze the marketing of banking services and the means in which the services are rendered by the banks. It will go a long way to unveil the new innovative method of marketing services used by banking sector such as E-banking, Core - Banking, corporate banking, Mobile banking. Plastic money. NRI banking etc, it will also investigate into the use of Marketing mix of banking sector in marketing services which involve the analysis of the Banks Products, Price, Pricing, Place, Promotion, Process, Physical evidence. To examine the level of market service delivery in Kenya Commercial Bank in relation to Information Technology (IT) innovations To examine the employees’ perception of the effects of IT innovations on market service delivery in Kenya Commercial Bank Kisii Branch

The major aim of this project is to investigate the problems of the microfinance sub-sector and discover the possible chances of future growth of the sub-sector in Kenya. Other objectives are based on the reviewed objectives of CBN on establishment of the Microfinance sub-sector. The objectives of this research are: To examine the major threats and challenges facing the microfinance banking sector. To determine the extent to which microfinance services have been made available and affordable to the active poor in Kenya. To determine the extent to which employment opportunities has improved in the country with the introduction of the microfinance policy. To know the extent to which microfinance services has affected the participation of the poor in the socio-economic development of the country. To determine the effect of loan portfolio on the profitability of microfinance banks in Kenya. To find out the extent to which savings have been mobilized or deposits increased after the introduction of microfinance services. To also recommend possible solutions to the identified problems and through this determine their chances of survival.

role of deposit money banks in the performance of small scale enterprises in Kenya a study of Equity Bank of Kenya.

The Challenges of Banking Sector Reform and Consolidation In Kenya ABSTRACT Banking reforms has been an on-going phenomenon in Kenya financial sector. It has however, recently been intensified due to forces of globalization, which are guiding the integration of world’s financial markets and economy. Banking reforms have resulted from deliberate policy response to correct perceived or impending banking sector crisis and subsequent failure. This work investigates the implication and challenges of banking sector reform in Kenya financial system, found out the prospect and the performance of banks after reforms are implemented, determine whether reforms have achieved its aim of strengthening the capital base of banks, and providing a healthy competitive environment among banks. Questionnaires were administered to two hundred randomly selected individuals of the selected banks in Kisii, Nyamira and Kisii local Government areas, the collected data were analyzed. The results showed that banking reforms in Kenya have significantly improved the performance of the services provided in the industry, and that the challenges of banking sector reforms in Kenya will grantee its successful future operations. The study also indicated that banking sector reform in Kenya have significantly strengthen a healthy competition in the industry. However, the respondents reflect that they have encountered operational problems of the system integration, computer and most of these problems include problems of the system integration, computer failure, power failure, crash programmes and policy differences. Thus, the work recommended that Kenya banks should improve on the efficiency of the operation and also the policy makers should give more time to banks that have failed to meet up with the implementation exercise due to time factor to readjust. Also government should always interfere to solve the problem of unemployment believed to have been caused by the banking reform. Similarly, for smooth running of the operation of the banking sector in the reforms and consolidation era, banks should be given adequate training to meet the expectation.

impact of financial meltdown on the financial ratios of the deposit money banks in Kenya.

The Impact of Electronic Banking on Bank Performance: A Case Study on Kenya Commercial Bank (KCB) Abstract In the last few years, there have been a number of problems in electronic banking which might affect the bank performance and staff skills at the most banks, in Kenya Commercial Bank (KCB). In spite of the positive role played by modern technology in the development of the bank performance, it has sustained some negative aspects of bank performance with respect to some banks, in Kenya Commercial Bank (KCB). The proposed research suggests that there is a need for a study of modern means of electronic banking while emphasizing the necessity of developing the bank performance in order, to deliver the best services to customers. Equally important is the impact of electronic banking on bank performance. Moreover, the research attaches importance to the role of modern technology, service, staff skills and customer guideline, in enhancing performance through the use of available resources and the investment of financial and human resources in the implementation and evaluation of performance. In addition, the research is concerned with the efforts made to cope with the challenges facing the staff performance in electronic banking, including the availability of sufficient financial resources, the cooperation of other management in providing e-banking services and, the availability of the trained staff, for using of modern technology, and the provision of incentives for staffs. Despite the results obtained through this research, there is a need for the continuation of studies in this field so that other researchers might illuminate the workings of electronic banking and bank performance of e-banking in the banks, with the huge development in communication technology, on one hand, and give a better skills for staff to perform well in the banks, on the other.

COMPARISION BETWEEN THE USE OF DAP PHOSPHATE AND FARMYARD MANURE OF GROWING OF BEANS (Canadian wander)IN URIRI. Beans are the second most important source of food ranked after maize crop. Beans provides cheap source of protein that can easily be accessed to. It is also rich in lysine which cannot be compared with those of other grains Due to its labor cost it is recommended that it should be planted in small scale ,i.e. mainly for subsistence. It can also be intercropped with maize because they can institute with other crops it is being important as I have mentioned ,it has not produced quantities that are enough to feed the entire population of Uriri location. This is due to more problems that have been sighted in this project one of them being ignorance to that extend that the organic fertilizers are somehow expensive hence forcing the researcher to come up with a long lasting solution to arrest the same problem.

:EFFECT OF SOIL FERTILITY ON IRISH POTATOES IN KISII COUNTY

study will be based on the effects of industrial pollution on agricultural sector among residents of Kenyenya sub-county, Kisii County and was carried out. The objectives of the study were follows: to find the effects of industrial pollution to residents of Kenyenya sub-county, to determine the type of pollution and finally to establish the preventive and control measures of industrial pollution. Data collected by use of questionnaire i.e. sample size was consist of respondents. The study used convenience sampling method in selecting the participants. Consents was obtained from the respondents before the interview is started. Permission to carry out the study was obtained from relevant authority to maintain the required degree of confidentiality.

GOOD AND QUALITY EXAM IN KNEC FORMAT

ANSWERS

EFFECTS OF ORGANIC MANURE UNDER CARROT PRODUCTION (DAVERS CARROT) The research was carried out of victor’s farm where it was base4d on planting carrots (davers carrots).the experiment was carried out in 4 plots. In the plots different rates of fertilizer were applied at different rates .the objective of study was to evaluate the efficiency of study organic fertilizer on the yields of carrots It was based to understand and know the fertilizer, recommendation rate to farmers Data was collected by use of observation ,measuring and weighing .the results should be used each and different types of fertilizer do not show a good response thus leading to low yield.

INCREASING IRISH POTATO PRODUCTION BY USE OF ORGANIC AND INORGANIC FERTILIZERS The research was carried out in OYANI CROP AND LIVESTOCK FARM. It was based on planting of Solanomtuberosom in small plots measuring 4×3m. From each plot, different fertilizers were used i.e; Organic fertilizer, Inorganic fertilizers Both organic and inorganic fertilizers And the a control plot Data from the plots were collected using the following methods: Measuring, direct observation and weighing of yield. To analyze the effects of fertilizers on Irish potatoes these methods were used: Study of the leaf surface size of potato, Height of the stem and Time of harvesting crop in each plot. Bar graphs, pie-charts and comparative 6cm graphs histograms were used to analyses data The objectives of the study were to identify the rate of fertilizer application, investigate the economic importance of organic and inorganic fertilizer, control of the root node nematodes by use of organic fertilizers, and also to establish conditions necessary in the preparation of manure. The study of integrating fertilizer i.e. Farm yard manure and commercial fertilizers indicates that the yields high and of good qualityTherefore the farmers the farms are recommended to use both farms yard manure and commercial fertilizer at the rate of 1:1 for better quality and high yield results.

This research was carried out in order to assess the causes and effects of deforestation in Kenya the researcher collected his information by distributing questionnaire to the people living in Kenya and ministry of agriculture department of forestry in Kenya. The information gathered were analyzed and presented in percentages from the analysis, the researcher was able to identify the following. That it is only the government that can arrest the problem of deforestation. Deforestation can also lead to animal extinction that people resort to illegal felling of trees because employment opportunities are lacking elsewhere. Based on these findings the researcher made recommendations among which are; the government should employ more field staff to combat illegal entry destruction of forest production. These field staff should be made to carry arms while on duty patrol, not only to safeguard themselves but also to instill some fear on timber thieves. The use of village elders in guiding against illegal deforestation be encouraged.

SOIL AMENDMENT EFFECTS (ASH, CHARCOAL AND MANURE) ON PANAMA DISEASE (FUSARIUM WILT) OF BANANA IN KISII COUNTY. Panama disease has posed a serious threat to banana production, food security and sustainable productivity in Kenya and Kisii County is no exception. The disease was reported in Kenya in 1952, where it was found to cause serious yield losses. The disease is caused by a fungus called Fusariumoxysporumf.sp.cubense. The disease has threatened to deny the local farmers the key source of income and livelihood. This research will delve into ways in which the disease can be managed since there has not been any consistent method of eradicating the destructive Fusariumpathogens. A lot of emphasis has been put on use of chemicals and use of resistant cultivars. The methods have been proved to have economic challenges, environmentally unfriendly and not effective due to pathogen mutations. The objective of this research is to determine the effect of soil amendment on Panama disease in banana plants. The research will also seek to determine the range of PH in which the pathogen develops best in Kisii environment, to investigate on the disease incidence in the study area and investigate the races of panama disease found in Kisii. Literature will be reviewed under five sections namely; impact of panama production, brief history of the disease,epidemiology,symptomatology and management of the panama disease.

Agro forestry combines trees,shrubs,forages,gresses livestock and crops in inactive,flexible combination tailored to the landowners needs. However,it is the trees and shrubs that are the foundation of any of the agroforistry practices .they occupy land for many years, taking longer to produce marketable crops than agricultural crops and long-term care thought deliberate integration with farm practices long lasting production and conservation benefits can occur simultaneously. what makes a tree appropriate for agroforistry depends with each landowners specific interest that is many trees and shrubs can be planted in configuration that will enable them to meet several objectives. For you to secret this appropriate trees and shrubs for agroforistry ,first you must make sure that the selected species the site meets its ecological requirements and also other condition like the species must be fast growing, deep rooted so that it does not compete with the companion crops for moisture drought resistant to leant

CAUSES AND STRUCTURAL EFFECTS OF STUDENT ABSENTEESM AT TOMMBOYA UNIVERSITY IN KANYACHI KACHAR SUB LOCATION

EFFECTS OF DIVORCE AND SEPARATION ON SOCIAL DEVELOPMENT OF CHILDREN IN KEUMBU SUB-COUNTY IN KISII COUNTY

EFFECTS OF DOMESTIC VIOLENCE ON CHILDREN’S SELF ESTEEM IN KENYENYA SUB-COUNTY, KISII COUNTY This study was carried out to find the psychological nature and consequences of domestic violence on children self-esteem their ages ranges from 0-18 years comprising of urban and rural children they were administered an index of family relation questionnaire which assesses domestic violence an index of self-esteem Pearson is analysis and chi square statistical methods were used. Findings showed that there is a significant relationship between domestic violence and self-esteem revealing that children who experience domestic violence suffer suppress and diminish self-esteem there were significant difference in self-esteem between males and females children from violent and non-violent homes there was no significant difference between urban and rural children the result also found that the aftermath effect of domestic violence often leave the victims with the tendency to abuse their children and spouse violently the paper concludes that wholesome family relations will control the occurrence of domestic violence and its likely effect on children and potential victims