The purpose of this study is to assess the Practices, Challenges and Prospects in Implementation of Organizational Change in the Case of Splitting Kenya Electric Power Corporation. Both qualitative and quantitative approaches are employed. The primary data are gathered from managers and employees of EEP and EEU through survey questionnaires, interview, and focus group discussion and from secondary data. The researcher identified that the major bottleneck in implementation of organizational change includes inexperienced consultant in organizational wide change; lack of monitoring assumptions, risks, costs, return on investment; lack of adequate training and implementation of performance measurement system; lack of leadership support and couching; gap in operational planning and clear day to day activities; and lack of information technology support and provision of adequate resources. The research concludes that the implementation of change in organization in splitting EEPCO has failed to meet its target, especially in relation to improvement of customer service. The study recommends the two organizations to resolve the bottlenecks that are identified in order to meet their target of better customer. Careful monitoring of the entire change process is essential in order to be able to measure its impact and evaluate its success to fulfill the gap accordingly.

Ethics is a very essential concept that defends oneself as an individual, society and culture in organization. In Kenyan road authority ethical braches are becoming common. This research examines employee work ethics and culture in Kenya Road Authority. The objective of the research is to investigate the existing ethical situation in the organization that has become culture of the Kenyan Road Authority (KRA) and recommend useful and improved ways of the ethical treatment in the organization. To achieve this objective, the research focuses on the ethical issues existing in the organization and unethical behavioral in workplace, value and beliefs of the organizations. The study used a mixed research method and descriptive research design. Using random sampling technique 376 employees and, 32 team leaders was chosen and by using survey method the data was collected and analyzed. The study shows ethical and behavioral issues exist in the culture of the organization. The result of the unethical issues results shows if there is the occurrence of the phenomenal such as favoritism, abuse of power and discrimination which appeared to be are the highest. Following second are being late, absenteeism, misusing internet, unethical communication, being irresponsible and dishonesty exist in different levels, as well. In genKRAl the data clearly shows show, there is a great deal of work to be done on work ethics and the culture of the organization because the work ethics is proven to be determining factor on the culture of the organization.

purpose of this study is to assess on MFIs in Of Kenya and more specifically, Kisii credit and saving institution operations regarding its challenges. Reviews of research design, the research method, the research approach, the methods of data collection, the selection of the sample, the research process, Sampling Techniques, the type of data Analysis, the ethical considerations and the research limitations of the project. The findings confirmed that Staff training is available of capacity building of all KCSI employees, HR Office it has Owen problems the procedures and recruitment process are not transparent and clear for all staffs. Management department doesn’t give final decision for some problems it happened in the institutions. AdCSL registered and licensing by NBE at the time of establishment. People often used funds for consumption rather than entrepreneurial investments this is the major weakness of the Clint. The result of study show the lending capacity of the institute limited and restricted amount of money, there is lack of skilled manpower , there is high staff turnover ,Government and the city administration to interfere on the policy and regulation against the financial industry, Government body influence MFIS in order to accomplish its political issues, government assigned inefficient directorate boards member, there is lack of modern financial system, technology and data management most of the time working by manual because of this the service doesn’t deliver efficiently.

The financial sector plays vital role in any economy by transferring funds from surplus to deficit area by giving credit. In today’s changing financial landscape-environment of intense competitive pressure, volatile economic conditions, rising bankruptcies, and increasing levels of consumer and commercial debt; an organization’s ability to effectively monitor and manage risk associated to credit become critical. Therefore, managing its credit risk, using the credit risk management tools, can make the difference between success and failure. Hence it is essential to overview of the credit risk management practice of the banks and identifies the gap to take proactive measures and to protect the banks from any damage. Therefore the research to identify the gap on credit risk management practices of private banks case study in one of the private banks, Bank of Co-Operative was conducted. Qualitative research method was used and data has been collected from primary and secondary sources. In obtaining information from the primary data, a survey questionnaire was developed, pre-tested and used for collecting data. Simple random sampling technique was used to select respondents of the Bank and the data were collected from credit professionals. The study found that lack of information system that support the risk management process , absence of risk identification focused tools on customers’ business and the associated environment , unsound lending practices associated to credit processing and appraisal activities and lack of accountability, lack of measures associated to non performing loans, high concentration of loan on sector ,product ,geography and also on by large borrowers as a key drawbacks on credit risk management practices of the Bank.. Thus, it is suggested that Bank should build well organized management information system, should put in- place a system capable of assessing, monitoring and controlling risk exposures in more scientific manner, should give a key concern to minimize concentration risk and should develop code of conduct to proactively monitoring ethical standards, and prudent application of policies.

The objective of Equity banks is to make profits and thus satisfy the needs of their respective stockholders. The making of profits and even staying on board of these, banks adopt strategies to mobilize deposits from the public that is an input to earn income for Equity bank. In order to make good strategies, however, the banks should know what factors determine the deposit mobilization activity in the real world. This paper then explores the theoretical as well as empirical analysis of those factors having an impact on deposit volume in banks and even assesses which ones are more significant or less significant by taking EBK as evidence. To do the practical investigation, the researcher collected both primary and secondary data. The primary data was collected by a means of questionnaire from management and staff of EBK regarding the skill, motivation, commitment and the banks new products. The secondary data for the study were the values of dependent and independent variables of eleven years (2006 up to2015 GC),which were collected from Equity bank of Kenya, national bank of Kenya and central statistics authority . The study had found four variables that can affect the total deposit of Equity banks. These Four variables are regressed with the dependent variable, i.e. total deposit; these variables include inflation rate, loan disbursements, per-capita income and bank branches.The data analysis was done using SPSS software. Different diagnostic tests are tested to know whether the model is valid or not, having the model is valid the regression analysis is performed using OLS method. The study reveals that all the four variables can affect total deposit. Branch expansion had positive and significant effect on total deposit whereas inflation rate had negative and insignificant effect on total deposit. And the remaining two variables loan provision and per-capita income has positive but insignificant effect. The research recommends that banks have to do much in branch expansion studying potential deposit area.

study sought to examines the determinants of financial performance of selected commercial banks in Kenya the role of ICT using eight Kenyan commercial banks registered before 2004/05 at NBE, by using panel data of banks over the period 2005-2015. Since the data is secondary in nature, the quantitative approach to research was considered. The study used “descriptive research approach” and secondary financial data are analyzed by using multiple linear regressions (OLS) models for the bank profitability measure, return on asset (ROA) using E-views 9 econometric software. Besides, the random effect model was used. The random effect model is preferred to the fixed effect model based on the hausman specification test. Under this study, both internal and external factors were included. The internal factors used in this study include ICT, operating cost, income diversification, deposit to total assets, whereas the external factors are market concentration, real GDP growth and inflation rate. Moreover, ROA were used as the performance measure. Based on the regression result, internal factors like ICT, operating cost, income diversity are significant key internal drivers of profitability of commercials banks in Kenya. Indeed, focusing and reengineering the institutions alongside these indicators could enhance the profitability as well as the performance of the commercial banks in Kenya. Among the external factors included in this study market concentration has negative significant effect on profitability of Kenyan commercial banks. Regarding GDP and inflation it has negative insignificant and positive insignificant effect on performance respectively. From the study result, it is also observed that commercial banks in Kenya has low experience of evaluating information technology investments before and after investment is made. In general, the research concluded that banks will have better future with more technological advancements, if they are able to make sound information technology related investments with good management and IT governance system. This is a clear signal to all commercial banks in Kenya that they can more concentrate on internal driver without ignoring the industry and macroeconomic indicators when strategizing to improve ROA.

The general objective of the study was to investigate the effect of Fintech on the financial inclusion among small and medium enterprises in Nairobi County. To achieve this goal, the study was grounded on four objectives which included to assess the effect of online banking, to examine the effect of digital lending applications, to determine the effect of agency banking, and to establish the effect of mobile money services on financial inclusion among SMEs in Nairobi County. The study utilized a descriptive research design, while targeting a population of approximately 50,000 SMEs located within Nairobi County. Given the substantial number of SMEs, the research employed a stratified sampling method, using Slovin’s formula to select a representative sample of 400 respondents, SME owners, distributed across two distinct respondent categories. On the first objective, respondents generally recognized that online banking has expanded their client base and enhanced their operational efficiency. They appreciated the reduced overhead costs and the lower costs compared to traditional banking methods. The convenience of managing financial transactions from anywhere at any time significantly improved, allowing business owners to focus more on their core activities. However, there were reservations about the speed and ease of accessing information through online platforms. On the second objective, digital lending applications were noted for providing quicker access to credit and facilitating faster information retrieval, which are crucial for timely business decisions. Despite these advantages, respondents were skeptical about the affordability of credit through these platforms. They also noted that while digital loans reduced the time needed to access funds, the overall costs were perceived to be lower than those associated with traditional banking. The convenience of using digital lending applications over traditional bank visits was recognized, though not overwhelmingly. On the third objective, agency banking was well-received for its ability to speed up transactions and deposit processes. Respondents valued the extended working hours and the greater cost-effectiveness compared to traditional banking. The method was particularly praised for reducing transaction times and enhancing access to banking services, thus allowing business owners to dedicate more time to their businesses. The overall sentiment towards agency banking was favorable, highlighting its efficiency and convenience. On the fourth objective, mobile money was unanimously lauded for its role in facilitating accessible and convenient financial transactions. Respondents appreciated the ability to conduct transactions at any time and noted the speed at which they could access information and complete financial transactions. The cost-effectiveness of mobile money transactions compared to traditional methods was a significant advantage. Furthermore, the ease of receiving business payments and accessing bank accounts through mobile platforms greatly enhanced operational efficiency and customer satisfaction. The analysis demonstrated that fintech services have a marked positive impact on financial inclusion. Online banking showed a significant influence, evidenced by a correlation coefficient (r) of 0.543 and an F-statistic of 137.818, with a p-value of 0.01, highlighting its strong statistical significance. Digital lending applications also made a positive impact, with a correlation coefficient of 0.627 and an F-statistic of 63.265, signaling very high significance with a p-value less than 0.001. Similarly, agency banking registered a correlation coefficient of 0.649 and an F-statistic of 239.128, with a p-value of 0.01, demonstrating its effectiveness. Mobile banking also contributed positively, reflected by a correlation coefficient of 0.621 and an F-statistic of 205.622, with a p-value less than 0.001. The analysis concluded that online banking not only improves access to financial services and operational efficiency but also presents opportunities for further innovations to meet the evolving needs of small businesses. Digital lending applications provide SMEs with quick and straightforward access to capital. Agency banking effectively bridges service gaps in underserved areas, enhancing financial literacy and inclusion at the grassroots level. Enhancements in training, service offerings, and technology could amplify its benefits. Lastly, mobile banking transforms SME financial management by offering unparalleled convenience and rapid access to services. To enhance financial inclusion for SMEs, it was recommended that financial institutions integrate advanced technologies like AI and blockchain into online banking and conduct regular training for SME owners to boost their engagement and trust. Additionally, fintech companies should expand digital lending with tailored loan products, simplify applications, and ease approval processes. For agency banking, expanding the agent network in rural areas with intensified training and offering incentives for remote operations is advised. Improving the usability and security of mobile banking applications, increasing smartphone penetration, and partnering with mobile network operators can also significantly benefit SME owners, especially in underserved regions. These initiatives aim to broaden the accessibility and impact of fintech solutions across diverse business sectors.

The study sought to find out the effect of liquidity on profitability of all private Co-oparative Banks in Kenya through the significant variables explaining liquidity and profitability by secondary data’s gathered from NBE and annual financial reports of the banks. Three variables for liquidity and one variable for profitability were taken to measure liquidity and profitability of Co-oparative banks in Kenya, loan to total asset, loan to total deposit, liquid asset to total deposit and return on asset respectively. Unbalanced panel regression model was used for data covered from 1994 -2015. Hetroscedasticity test, auto-correlation tests, multi-collinearity and normality tests were performed to test whether the variables satisfy the assumptions of the research. The regression results showed that all the three variables, loan to total asset, loan to total deposit and liquid asset to total deposit had statistically significant effect on banks profitability. Among these significant variables affecting banks profitability loan to total asset had positive effect whereas, loan to total deposit and liquid asset to total deposit had negative effect on profitability. This implies that liquidity has both significant positive and negative impact on profitability; therefore the study suggests that, management of banks should give an adequate emphasis to these two conflicting goals of banks and maintain optimal level of liquidity to maximize its profit and to enhance the banks competitiveness in the industry.

On a female dominated profession such as nursing motherhood is still associated with limited opportunities of career development. While many studies were done to study work life balance of professional mothers in Kenya less attention was given for studying the career path of nurse mothers and the effect of motherhood associated factors on career development of nurses. Thus the purpose of this paper is to study the effect of motherhood on career development of nurse professional mothers. This paper used a quantitative approach and employed explanatory cross sectional design. The study was carried out in two out of six hospitals under Kisii County Health bureau with a sample size of 200. Structured questionnaire (in Amharic and English) was used to collect data. Out of the administered 200 questionnaires 200 was returned with a response rate of 100%. Descriptive analytics was done to determine frequency of variables and binary logistic regression was done to determine the magnitude and scale of significance of associated variables. Socio demographic factors (Age and Dependent children), Work family factors (Work life balance and Career break) and Organizational Factors (Organizational policies and Practices and Supervisor support) was considered potential factors which has an effect on career development of nurse professional mothers. The results indicate that more than half of the nurse professional mothers have career development. The study also revealed that only work life balance was a significant predictor of career development of nurse professional mothers.

effect of talent management on employee retention in the case of KNP Collage in Kisii County.docx