SU+ Digital Repository

SU+ is an online repository for the preservation and promotion of assorted digital content at Strathmore University

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[ISSN 2519-5883]
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Now showing 1 - 5 of 7

Recent Submissions

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The Effect of financial innovation on the financial performance of commercial banks in Kenya
(Strathmore University, 2020) Kagema, G. N.
For the last decade commercial banks in Kenya have evolved into financial innovations moving from the traditional banking in order to improve the services of their customers both local and international and also to increase their profitability. The main purpose of this study was to establish the effect of financial innovation on the performance of commercial banks in Kenya. The research studied top 16 commercial banks in Kenya by analysis their financial statements for the period 2013 to 2017. It made use of secondary data which was sourced through data mining from central Bank of Kenya. The independent variables analyzed were; Mobile Banking, Internet Banking, Agency Banking, Liquidity and Capital Adequacy The study revealed that; Mobile Banking, Internet Banking, Agency Banking, Liquidity and Capital Adequacy explained 98.6% of performance of commercial banks in Kenya. All the variables which presented financial innovations had a positive coefficient therefore revealing a positive relationship to performance of the commercial banks. From the research findings it was clear that financial innovations affect significantly and positively performance of commercial banks.
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Effects of interest rate capping on the borrowing behaviour of SMEs in Nairobi CBD
(Strathmore University, 2020) Njoroge, S. W.
Small and Medium Enterprises (SMEs) refer to businesses and other organizations that are between small office size and large enterprises, having no mor~ than 500 employees. They are an important segment of the economy contributing 3 percent of GDP growth out of a total of 6.4 percent GDP growth in Kenya as of2017(Muriithi, 2017). SMEs are the backbone to many economies around the world. In order for this and other sectors of the economy to thrive, financing plays a major role. Finances enable business enterprises to start up, diversify, expand and meet the working capital requirements. SMEs get finances from various sources such as personal investments, business incubators, government grants, venture capital and bank loans. Access to credit for SMEs is a fundamental part to the growth of SMEs and economic growth of developing countries such as Kenya. Other factors held constant, a strong relationship exists between the size of a country's SME sector and its economic advancement and growth. Most of the jobs in the developing and developed world come from SMEs showing how important SMEs are to the economy and therefore financial and institutional development helps alleviate SMEs' growth constraints and increase their access to external finance and thus levels the playing field between firms of different sizes. (Akinyemi & Adejumo, 20 17)
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Factors influencing tax compliance and use of online tax systems in Thika town
(Strathmore University, 2020) Muchiri, A. W.
Tax has been and remains to be the main source of revenue for the government of Kenya. Over time, the Kenyan government, through the Kenya Revenue Authority, has put effort in increasing amounts receivable through reducing the costs incurred in collecting taxes and increasing the tax base. For a tax, system to be adequate, compliance by taxpayers should to be high. Akubo et al (2016) stated that tax compliance is the process by which taxpayers, meet their tax obligations by submitting the relevant documents and any other information needed by the revenue authority. It also involves timely filing of returns by taxpayers. It is important for a taxpayer to understand his tax obligations, the laws involved and the procedures and be literate in order to avoid problems of underpaying and overpaying. The revenue authority should play a role in ensuring that adequate resources is directed towards taxpayers to enable them understand more how to meet their obligations.
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The Effect of working capital management practices on the risk-return trade off of companies listed on the Nairobi Securities Exchange
(Strathmore University, 2020) Akinyi, M. N.
The purpose of this study was to investigate the impact that working capital has on risk return trade-off of firms on the Nairobi Securities Exchange. The study also explored whether the different industries of the firms had any effect on the trade-off between risk and return. This topic had not been widely explored since many studies have focused on the impact of working capital management on accounting profit of firms rather than on risk return trade-off. The study analysed the risk levels of different firms in comparison to their returns to determine the trade-off that the firms were exposed to. Risk was determined using the current ratios of these firms as well as using the current assets to fixed assets ratios. On the other hand, return was analysed using the rate of return on total assets. The risk vis-a-vis the returns helped determine the trade-off that exists in each situation. To come up with answers to this research, quantitative research was used and data was collected from the companies listed on the Nairobi Securities Exchanges' annual reports and financial statements. A database with all numbers was then constructed in Excel to easily transform the numbers for analysis. The data was then input into the Statistical Package for Social Sciences (SPSS) for analysis. There was a negative relationship between the cur:ent liabilities and the return on assets whereas a positive relationship existed between current assets and the return on assets. An increase in the current labilities resulted in a decrease of the returns on assets while an increase in the current assets brought about a corresponding increase in the return on assets.
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Effect of financial innovations on the financial performance of SACCOs in Kenya
(Strathmore University, 2020) Sang, P. K.
Financial innovation can be considered to be one of the crucial determinants for the performance of an organization. Various financial institutions have adopted various ways to enhance competition from other financial institutions and enhance their profitability in the market. In Kenya, SACCOS are noted to be the main drivers of the economy. They offer quick services such as quick and flexible loans to individuals seeking finance from micro-institutions rather than commercial banks. This investigated the effect of product and service innovation on the financial performance of SACCOS operating in Kenya. The target population was 10 SACCOS and random sampling was employed during data collection. Primary data was gathered through self-administered questionnaires after a pilot test was conducted to test the validity of the questionnaire. Results revealed that organizations adopted financial innovations to enhance their profitability and enhance competition with other financial institutions in the market. The study drew the conclusion that adoption of financial innovation enhanced the financial performance of the SACCO. The study had one major recommendation which urged SACCOS to adopt mobile banking to increase transactions among clients and crate an online presence to create awareness of the existence of the SACCO.