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The effect of operational efficiency as a financial distress factor on financial performance on commercial banks in Kenya
(IJBM, 2017) Sporta, Fred Ochogo.; Nanjala, Christine S.; Ngugi, Patrick K.; Ngumi, Patrick M.
Operational efficiency as a financial distress factor arises from maturity mismatches where liabilities have a shorter tenor than assets. This paper aims to analyse operational efficiency as a financial distress factor as well as draw inferences on its relationship with financial performance measured by return on assets (ROA) and return of equity (ROE).The study employed secondary data derived from financial statements of 38 commercial banks for the period 2005-2015(both years included). Generalized Least Square Method was employed. The results indicated that there exists a positive significant relationship between operational efficiency and financial performance. The findings of the study contributed towards enriching the literature on the financial distress of the commercial banks in Kenya and a result provided deeper understanding of operational efficiency as a financial distress factor and its management by the commercial banks in Kenya. The results indicated that operational efficiency has a positive significance as a financial distress factor on financial performance of commercial banks in Kenya, they therefore imply that the management should focus and monitor the operational efficiency of commercial banks in Kenya and ensure higher operational efficiency.
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Cognitive campaign biases, political decisions and consequences.
(IISTE, 2023) Ondabu, Ibrahim Tirimba.; Ogutu,Victor Odhiambo.; Gworo, Lawrence Smith.; Simiyu, Denis Wangila.; Omare, Albert Nyaachi.
The main purpose of this review study was to examine the relationship between cognitive campaign biases, political decisions and consequences. Relevant information to complete the research was obtained through a desk top research technique was adopted whereby available secondary data relating to the concept of cognitive campaign biases, political decisions and consequences was analyzed. Important information from available secondary sources including published academic documents, reports as well as other available materials online or in libraries was critically analyzed. The review study determined that cognitive campaign biases have a substantial role in determining the political choices that individuals make. In addition, it was determined that cognitive campaign biases exist primarily in the concept of framing which is the social construction of political or social movements with a positive or negative representation. The review study recommends that cognitive campaign biases should be restricted as they tend to indoctrinate people mind causing them to vote in unwise manner and thereby bringing suffering to themselves and the society at large.
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Navigating risk: A deep dive into credit risk management practices and loan performance in Kenya's fintech frontier.
(IJEFM, 2024) Ondabu, Ibrahim Tirimba.; Kabui, Josphat Njoroge.
This study aimed at evaluating how credit risk management practices affect the loan performance of Fintech companies in Kenya. In particular, the study determined how credit terms, credit analysis, and credit mitigation affected loan performance. The research design used for the study was descriptive with the responders being credit officers from the Fintech companies in Kenya. Descriptive and inferential statistics were used to examine the information gathered from 62 Fintech companies through a primary data study that relied on questionnaires for data collection. Data collected was analyzed using descriptive statistics that yield tables, charts, mean and standard deviation that gave meaning to the data collected. The regression equation revealed that the predictors were significant and explained the model at an R squared of 80.5% to yield the study findings that credit risk management play a critical role in determining how well Fintech companies in Kenya operate when it comes to borrowing money and expanding their loan portfolio.
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Personal characteristics and financial inclusion: A review of the literature
(MJBAS, 2024) Ondabu, Ibrahim Tirimba.; Oyaro, John.
This paper conducted an empirical review to investigate the influence of different personal characteristics on financial inclusion levels. To accomplish this, the study conducted a comprehensive review of the literature and identified 84 relevant articles using keywords. After scrutinizing these articles, the study selected 44 articles to include in its analysis. The study analyzed the effects of several factors, including gender, access to mobile phones, urbanization, education, age, income, and marital status, to draw meaningful insights and make appropriate recommendations.
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The impact of organic fertilizer on maize, field beans, and cabbages within the agricultural landscape of Kenya: An assessment of efficacy on sustainable development goals
(Academic Journals, 2024) Ondabu, Ibrahim Tirimba.; Lee, Eunsung.
The study aimed to address the reduced production in agriculture and offer better opportunities to farmers for a sustainable future through organic farming aligned with the Sustainable Development Goals. Data were collected on the growth performance and yield of three crops (cabbage, field beans, and maize) from six sites: Mau Narok, Mwea, Limuru, Molo, and Njabini, between April and October, 2017. The results of the study were presented in tables and figures, with the figures being pictorial representations. The findings suggest a positive effect of Eco-see 100 on both plant growth and yield for the evaluated crops. Given the consistency of these results across the testing sites, the use of Eco-see 100 as a soil amendment for crop production in Kenya is recommended. This offers a promising solution through organic farming to achieve the Sustainable Development Goals.