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.

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.

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.

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.

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.

:EFFECT OF SOIL FERTILITY ON IRISH POTATOES IN KISII COUNTY

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.

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.

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

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.

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 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 establishment of community banks by the Kenya Government with particular reference to Equity Bank Kisii was necessitated by the desire of Government to improve the standard of living of the rural dwellers and to encourage rapid development of the communities. It is in realization of these objectives that this study is being carried out to ascertain the impact of these community banks on rural development. Also the study is designed to determine the performance the community bank and the commitment of the staffs to realize this set objectives. The inscriptional survey method was used for the study with some fractional number of the total members of Equity Bank Kisii. Both primary and secondary data were combined in collecting information used for this study. A total number of 20 questionnaires were given our, though not all were returned and the information collected were very useful in achieving the objectives of this research.

impact of microfinance on the growth of SMEs in Kenya The broad objective of the study is to examine the extent of the impact of microfinance on the growth of SMEs in Kenya, while the specific objectives are as follows: To examine the extent of the impact of microfinance on the growth of SMEs in Kenya. Toexamine the extent of the effect of finance house strict condition in granting loans on the development of micro and small scale enterprises. To examine the extent of the problems and challenges facing SMEs in Kenya To examine the extent of the implication of multiplicity of policies and regulatory measures on micro and small enterprises To examine whether Micro Finance Banks give out loan to Small and Medium Enterprises (SMEs) to establish or enhance their businesses To examine the extent of accessibility of funds by Small and Medium Enterprises (SMEs) from Micro Finance Banks (MFB)? To assess the extent of the stringent conditions put in place before loans are granted to Small and Medium Enterprises (SMEs)? To assess the extent of the effective mechanisms put in place by Micro Finance Banks to ensure judicious use of loans granted to beneficiaries (SMEs)?

The impact of bank services especially universal bank cannot be over emphasize. The main reason for this research work is to discover the problem militating against their operations, these problems have to be considered with the aim of giving relevant suggestion for improvement, the problem there among other things includes; those of poor record keeping, poor account system, embezzlement, fraudulent practices, poor organization, planning control and loan portfolio management. There is also the problem of competition. The market for banking services is not homogenous its differentiated by preferential to characterized clients or customer and by the traditional ethics to which banking houses are accustomed. OBJECTIVE OF THE STUDY The objectives of the study are; To ascertain the impact of Kisii economy on the banking sector To ascertain the role of banking sector in the Kenya economy To ascertain the relationship between Kenya economy and banking sector

The main objective of the study is to assess the effect of internal control on fraud prevention in manufacturing industry. Other specific objectives are to: Evaluate the control systems put in place in manufacturing industry to prevent fraud. To find out the causes of fraud in the manufacturing industry. Identify the problems the industry face as a result of the detection of manufacturing or financial fraud To find out effective internal control system influence on prevetion of fraud. To find out the problem of fraud and how to curb it. To find out the employees knowledge base on the concept of fraud in the industry.

SMEs play critical role in creating job opportunities and growth of the economy. Currently, the rate at which the new firms formed have stagnated and those with less than 5 years are closing down is very high. This has triggered research on the financial performance of the SMEs especially in areas with high levels of poverty since most studies concentrate on developed economies and urban centers. This study investigated the determinants of financial performance of processing SMEs in Kisumu County. The general objective of study was to determine the factors that affected financial performance of processing SMEs in Kisumu County. The specific objectives of the study included: determine the effect of access to finance on the financial performance; establish the effect of financial corporate governance on the financial performance; determine the effect of product costing on the financial performance; and to determine the effect of risk management practices on the financial performance of the processing SMEs in Kisumu County

This study determines the relationship between Cost Accounting Techniques and Financial Performance of Small and Medium Scale Enterprise in Kisii County. In this study, we have two variables, Cost Accounting Techniques as the independent variables and Financial Performance as the dependent variable. Both of these variables have their dimensions and measures which will assist the researcher to find out the relationship Cost Accounting Techniques have on Financial Performance of Small and Medium Scale Enterprise in Kisii County. The methodology adopted was descriptive survey design to collect both primary and secondary data. The population of this study consist OF 4,535 registered owners of small and medium scale enterprises in Kisii County. The sampling technique used was the non- probability sampling technique, also the sample size was determined using the Taro Yamane’s formula (1964) which was 367. The instrument used for data collection was the questionnaire in five Likert scale. 367 copies of questionnaire were distributed which 248 was retrieved for the analysis. The data were analyzed using simple percentage and mean score, while hypotheses were tested using the Spearman Ranking Order Correlation with the help of SPSS to establish the significance of relationship between the various variables used in the Study. The result indicated that there is a significant relationship between Cost Accounting Techniques and Financial Performance y. From the above it was recommended that Small scale business operator units should ensure that complete and accurate business records are kept because they are essential for decision making. This can be ensured by undertaking course training about records keeping, and hiring knowledgeable and skilled workers.

ABSTRACT: In this project, the passion fruit extracted was used to determine the concentration of citric acid in citrus fruit were obtained from Daraja Mbili Market-kisii County. The method employed was simple titration where 2M of sodium hydroxide solution of known concentration was titrated against unknown concentrated solution of citric acid extracted until the neutralization was complete between the two solutions and phenolphthalein indicator was used to detect the color change. And some of the the experimental errors were encountered. By determining the volume of standard solution and unknown concentration used in the titration process as well as the concentration of standard solution, the concentration of unknown was determined. Where the concentrations were calculated using the values from the tabulated table