An ATM card is a payment card that helps facilitate a financial transaction by deducting money directly from a consumer’s account to make the payment. Customers who use ATM cards frequently are more likely to spend more money than customers who use their cards rarely. This affects customers saving culture and this is a common problem for ATM card users. The main purpose of this thesis is to explore the effect of an ATM card on customers saving culture. It also assessed whether there is a link between being an active ATM Card user and spending of money. It further explored the contribution banks make towards the saving culture of customers through the facilitation of how ATM Cards are being utilised by the customer. The setting for the research was the Bank of Abyssinia and its selected five branches; the branches are chosen as they are identified as having a significant amount of active ATM Cards users. The study has applied a quantitative approach to address the aforementioned points of research. The finding of the study is that indeed there is a strong relationship between the use of an ATM Card and spending of money. Plus, the result also showed us that an ATM card affects customers saving culture. And banks contribution has a paramount effect on saving culture of customers. Finally, the study recommended Bank of Abyssinia to send an Alert/SMS message for every ATM card transaction, implement immediate deduction of account to make the customer feel the pain of payment, separation of ATM account & saving account is recommened and at last bank of Abyssinia should have to enable customers to choose their withdrawal limit by themselves.

The aim of this study is to assess complaint handling practice of Co-operative Bank of Kenya. The population of the study consisted of two branches customers of Co-operative Bank of Kenya Nairobi Region and employee of Co-operative Bank of Kenya in the branches. The study uses convenient sampling technique to select the target population for questionnaire. Quantitative data were gathered through questionnaire. 199 questionnaires was distributed and 175 questionnaires have been collected, Statistical Package for Social Science (SPSS 20) software, were used to examine the data and achieve its objectives. The collected data was analyzed through descriptive statistics such as percentage, frequency; means and Standard Deviation was applied. Finally, the research finding identified the main source of complaints, assure the bank recruitment and training delivery for complaint officer are not good and enough. In addition, the bank recording keeping process of the bank was not good. Based on the findings, the study recommended that management of Co-operative Bank of Kenya better to identify the frequent sources of complaints, to give attention to hiring and assigning the necessary staff for complaint handling and to improve the recode keeping and develop a complaint recording system.

This research investigates "THE EFFECT OF ETHICAL STANDARDS ON CUSTOMER SERVICE QUALITY: THE CASE OF NIB INTERNATIONAL BANK." ethical standard refers to a set of principles or guidelines that define what is considered morally right and wrong within a specific context. Customer service quality refers to the overall experience a customer has when interacting with a company's representatives across various touch points. To achieve the objectives of this study, data was collected through questionnaire from a sample of 432 customer of the bank. The data was gathered using questionnaires in order to meet the study's objectives. The selection of these respondents was done by random sampling. Multiple regression analysis, correlation, mean, standard deviation, and other statistical methods were used to examine the data gathered from the questionnaire. The results of this study have showed that, except transparency the other three ethical standards dimensions (Honesty, Confidentiality and Accountability) have positive and significant relationship with customer service quality. The result of this study also indicates that customers were most satisfied with the Accountability of the Nib staff. On the other hand, customers were less satisfied with transparency of the ethical dimension. Furthermore, the ethical standard dimensions (Honesty, Confidentiality, Transparency and Accountability) significantly explain 71.1% of the variations in customer service quality in Nib International Bank S.C. Based on the findings the researcher have recommended new and additional points to foster the effectiveness of this ethical standards in pursuing good quality of service given.

Nothing gets done in an organization without workers, including the most valuable assets such as machines, supplies, and cash. Because of the dynamic nature of humans, it is critical that employees receive continual training and development in order to compete in today's marketplace. Employee performance is the most important factor in improving an organization's overall performance. This study will look at how training and development affect employee performance, specifically at the Bank of Abyssinia. As a result, the research design was a descriptive and correlational study. To achieve the purpose of this study, 100 questionnaires were issued, and 92 of them were successfully gathered and analyzed using descriptive statistical analysis (mean and standard deviation), correlation, and regression analysis using SPSS 26. Version. Both primary and secondary source of data were used for this Study. The method of data collection was questionnaire in the form of both open ended and closed ended questions. Through the selection of four branches (one from each), as well as district and head office staffs, this study was carried out throughout all four grade branches of BOA, ranging from Grade 1-3 and the corporate branch. according to the fact that branches with the same grade are uniform in every respect according to the standards of the bank, and because they all have the same organizational structure, behavior, and culture, as well as the same working environment, branches will be chosen at random. Finally, after the study, the researcher found that the training design and employee performance were positively correlated and had strong correlation between them. Then, the recommendations were based on the findings which affects employees’ performance in the case of Bank of Abyssinia.

the current business environment, banking industry is facing a lot of challenges particularly getting the right employees and retaining them. This is because reward and employee performance is core factor in which mangers should keen in order to meet the targets of the organization. Reward exists in order to motivate employees to work towards achieving employee performance.This study examines the effects reward towards employee performance.223 questionnaires were distributed to the sample respondents who are located in Addis Ababa. Of the total distributed questionnaires 210 usable questionnaires were returned.Hypotheses were developed to see the effect of all the independent variables (pay/salary, benefit, promotion, training, recognition, and working condition) on the dependent variable (Employee Performance).It is a quantitative study. Descriptive statistics and frequencies were utilized to analyze the data. Interpretation is made on mean, frequency, and percentage. The result are investigated in terms descriptive followed by, inter correlation using Pearson’s product correlation to test the interdependency and also multiple regression analysis were used to showthe magnitude and direction each independent variables influence the dependent variables with the aid of statistical package(SPSS)version 20. The finding obtained indicated that rewards dimensions have positive influence in employee performance. Furthermore, it provided suggestions to overcome the problems to improve employee performance.LIB must clearly communicate its rewards policy and procedure to its employee. Even though the company rewards system mainly consist of financial reward, adjustment must be done on the rewards system since the majority of the respondents were not satisfied. Finally LIB should include both financial and non-financial reward with appropriate mix. Key words; reward, pay/salary, benefits, recognition, work condition, promotion, training, employee performa

The purpose of this dissertation is to analyse the factors affecting professional employee intention and turnover in the American international corporation (AIC), Kisii Town, Kenya. The research design is explanatory in nature, and both qualitative and quantitative data were collected via interview and questionnaire, respectively. Questionnaires were used to gather quantitative data from professional employees, while qualitative data were gathered via interview (with senior Administration and HR staff) and review of secondary sources. Out of the 75 questionnaire distributed 72 responses were received and then transferred to excel sheet and then proceed through SPSS 20 Statistical tool. Qualitative data gathered through interview and secondary sources were analyzed via the systematic analysis, while quantitative data gathered via questionnaire were analyzed via correlation and regression analyses. The major factors affecting the employee’s intention turnover in AIC organization fall into three groups, namely personal, pull and push factors. According to this study pull factor was the significant factor which influence employee's to leave the organisation. Employee intention is one of the major challenges faced by the AIC organization due to which the turnover rate of employee increases. The researcher also examined the turnover intention of professional employees with regard to gender, age and length of service. Based on the research findings, participants gave a mixed response for staying and leaving the organisation. However, from their response it is clear that, as part of the retention strategy, they want the AIC organization to improve salary, transparent and fair management system, work and life balance and offering family package like children's education as part of the benefit. This research can be considered by the employers, management and Human resource staff of AIC organisation to improve their internal working environment and take some experience from other similar organisation to reduce employee turnover.

The purpose of this research was to explore the impact of emotional intelligence (EI) on leadership effectiveness (LE) within the North Kisii Town Branch of the Co-operative Bank of Kenya. The study aims to provide valuable insights to enhance the bank's leadership effectiveness. Data was collected through questionnaires and standardized tests, and the analysis was performed using SPSS 25. The research approach in the study combines descriptive and explanatory research designs. Descriptive Research Design: This component assesses the current levels of emotional intelligence (EI) and leadership effectiveness among managers and supervisors at the Co-operative Bank of Kenya’s North Kisii Town Branch. It documents the existing state of these variables, identifies patterns and trends, and informs the explanatory analysis. Explanatory Research Design, this component investigates the contribution of EI in predicting leadership effectiveness. It explores the relationships between EI dimensions (self-awareness, self-management, social awareness, and relationship management) and leadership outcomes. This multi-faceted approach ensured a thorough investigation of the role of EI in shaping leadership effectiveness. Descriptive and inferential analysis techniques, such as tables and descriptive correlations, were employed. The questionnaires were completed by 196 employees of the Co-operative Bank. The findings indicate a positive relationship between managers' EI and their leadership effectiveness. The study also assessed the EI levels of 44 managers, which were found to be close to the average. However, there were areas where the perception of EI leadership, particularly in self-management, showed a decline. These findings suggest that the bank's leaders need to improve their self-control, take responsibility for their emotions, demonstrate honesty, enhance their listening skills, and provide better support to their subordinates. Additionally, the managers displayed deficiencies in forwardthinking, addressing the emotions and perceptions of their subordinates, and fostering mutually beneficial relationships. The research also revealed weaknesses in conflict management, social interaction, and adherence to expected behavioral standards. On the other hand, leadership effectiveness was associated with strong decision-making skills, effective communication, team cohesion, innovation, and mutual support among employees. However, there were shortcomings in fair evaluation, providing meaningful feedback, and relevant information to employees. The findings underscore the importance of developing emotional intelligence to improve leadership effectiveness. The study concludes that raising awareness of EI, particularly in the area of social awareness, establishing an EI-focused team, and enhancing understanding of subordinates' emotions will contribute to better leadership quality, fair evaluation, and meaningful feedback within the Co-operative Bank of Kenya.

Industrial disharmony is a worldwide phenomenon which affects all professions and all cadres. In Kenya several sectors have been affected by industrial disharmony, but it is quite common in the health sector. It is an almost intractable problem in the Kenyan health sector and almost every year there are strikes by one profession or the other within this sector. The strikes usually affect the secondary and tertiary tiers of healthcare. This qualitative study set out to analyze the cause, effect, and the impact of industrial disharmony/crises on the health sector, the government, and the people of Kenya. A careful scientific search of the literature (both in print and online), newspapers, Government and Labour organization publications on the subject were collated and studied to understand the problem of industrial crises and how to proffer solutions to reduce or eliminate these incessant strikes in the Kenyan health sector. It was demonstrated that the main cause of the disharmony was poor remuneration/delayed or unpaid wages, poor healthcare funding, poor work environment, deficient healthcare infrastructure, inadequate and underfunded training, inter-professional rivalry and non fulfilment of government agreements/commitments. These led to poor job satisfaction, poor healthcare worker attitude, brain drain and loss of public’s confidence in the public health sector. These in turn led to poor health indices which influence the health and strength of the national workforce. Ways to reduce these strikes include improved healthcare funding, better training opportunities, collaboration/dialogue amongst the various professions in the health sector and firm commitment of government to fulfill past agreements and commitments willingly entered. Collective bargaining is a tool to be effectively used to carry workers along and get the best for them.

The purpose of this study was to examine the mediating effect of customer satisfaction on the relationship of service quality and customer loyalty in the case of commercial bank of Tefera Degfe branch. Explanatory design was employed in this study. Total samples of 118 respondents were drawn out of 135 total populations for the study. SERVEQUAL model was adapted as the conceptual framework for analysis. Data were collected through structured questionnaire. Data were analyzed through descriptive statistics, narrative and regression analyses. The results indicated that customer satisfaction mediates the relationship between service quality and customer loyalty. All the five dimensions of service quality had significant, positive effect on the customer loyalty.It is observed that customers were most satisfied with tangibility dimension of service quality followed by assurance. The finding from the correlation result reveals that there is a positive and significant relationship between the service quality dimensions, customer satisfaction and customer loyalty. Overall service quality dimensions regressed with dependent variable customer satisfaction and customer loyalty results revealed in the model summery R² = .330 and .314 respectively. It implies that 33 % of variation in customer satisfaction and 31.4 % of the variation in customer loyalty is explained by independent variable service quality dimensions. Finally, the researcher recommend to the bank that in our current environment services preference of customers and their demands keeps on changing at a rapid speed and the bank should operate proactively in meeting its customers’ needs and preferences. So that bank managers develop and implement customer-oriented service strategies to identify customers’ needs and expectations in order to serve them better.

In this unit the competencies required by a trainee in order to apply a wide range of Mechanical science principles in their work are addressed, while adhering to occupational safety and health procedures relevant to specific workplace. The following areas have been considered: determining forces in a system, demonstrating knowledge of moments, understanding friction principles, understanding motions in engineering, describing work, energy and power, performing machine calculations, demonstrating gas principles, applying heat knowledge, applying density knowledge and applying pressure principles.

Maudhui ni mawazo makuu katika uandishi wa fasihi. Mwandishi huwasilisha mawazo haya ambayo husawiri maisha halisi ya binadamu kupitia kazi yake. Katika tamthilia ya Wema Hauozi kuna baadhi ya maudui ambayo yanajitokeza. Maudhui haya ni pamoja na...

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Mwandishi ametumia methali katika sehemu mbalimbali katika tamthlia. Anwani ya tamthlia Wema hauozi ni methali yenye maana kwamba upo wakati ambao wema hushinda uovu na kung’aa.

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Hizi ni insha za kubuni; yaani insha ambazo hazifuati utaratibu maalumu jinsi ilivyo katika insha za kiuamilifu. Insha za kubuni hazitumiki katika miktadha rasmi kama zilivyo tungo za kiuamilifu. Hii ndiyo sababu hazina muundo maalumu wa kufuata wakati wa kuziandika. Insha za kawaida ambazo zimeshughulikiwa katika surah ii ni insha ya maelezo, mawazo, mdokezo, methali. Mazungumzo na masimulizi.

AGRICULTURE AND NUTRITION SCHEMES

Get the pdf or softcopy version of the JSS setbook Novel MSHALE WA MATUMAINI.

Download a copy of the latest TARGETER WINGS 007 GRADE 5 EXAMS 2025. The Document contains all the Subject Areas in Grade 5 together with a marking scheme attached. This is a good resource for your revision and learner assessment.