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 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.

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.

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

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

EFFECTS OF DRUG ABUSE ON COLLEGE STUDENTS ACADEMIC PERFOMANCE IN KISII COUNTY purpose of this study was to identify the effects of alcohol consumption and intervention measures taken to help youth who were aged between 20-26 years and unemployed in Kisii County. Literature on history of alcoholism, levels of the consumption, types of brews and characteristics of the young consumers was reviewed. The study was guided by three theories; social learning theory, symbolic interaction theory and deviance theory. Data was collected in several wards of Kisii County from among ninety College students consumers of alcohol, several key informants and case studies. Findings of the study indicated that majority of the College students were from poor homesteads and dependent on their parents for their livelihoods. Most of the youth ventured into as a result of stress notwithstanding the dangers involved in it. Peer pressure played a role in luring most of them into with hope of solving stress. The youth perceived problems related to alcoholism as health, accidents, crime, immorality, and unemployment. Intervention measures by the government, church, community, and parents to save the youth indulging in drinks had no feasible impact to the youth. There was a danger of the youth transforming into a youth culture of alcoholic addictions, leading to unproductive members of society unless adequate mitigation measures were promptly undertaken. There is need for urgent professional intervention measures including training and employment opportunities that could discourage the youth from engaging in and make them productive.