Browsing by Author "Ondabu, Ibrahim Tirimba."

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Capital adequacy and asset quality of deposit-taking microfinance banks in Kenya.
(IJSRP, 2026) Ondabu, Ibrahim Tirimba.; Ochami, Grace Jane Andahwa.; Matanda, Joshua.
The effect of capital adequacy on the asset quality of deposit-taking microfinance banks in Kenya is the central focus of this research. The study's central premise was based on the agency, moral hazard, and institutional theories. The study's target population was 14 deposit-taking microfinance banks in Kenya, with each bank's panel data collected from their audited reports for the years 2019 to 2023. Longitudinal design was the most ideal given the balanced panel data of the banks. Panel data regression was used to determine the causality between the predictor and response variables. The study findings reveal that capital adequacy positively influenced the asset quality of the DTM banks studied (B = 2.587). The association was also significant (p = 0.002 < 0.05). This implied that as MFBs accumulated more capital, the level or amount of NPLs decreased, thus leading to an improvement in their asset quality.
Intervening influence of financial development on the relationship between sustainability practices and sustainable development of the Sub-Saharan African countries
(MDPI, 2026) Ondabu, Ibrahim Tirimba.; Sporta, Fred Ochogo.; Mbugua, James C. N.
The objective of this paper was to explore how financial development affects the relationship between sustainability practices and sustainable development in Sub-Saharan Africa, where poor institutional quality and shallow financial markets may prevent sustainability gains from translating into measurable improvements in human development, poverty reduction, and environmental outcomes. Both descriptive and explanatory components were included in the study, which employed a longitudinal panel design. Using a positivist, longitudinal panel design, this study analyzes data from 49 Sub-Saharan African countries (2000–2023) sourced from the World Bank, United Nations Development Programme, and Sustainable Development Reports. Data analysis was done using regression models and descriptive analysis. The findings show that financial development does not serve as an effective transmission channel through which sustainability practices impact the achievement of sustainable development. The research concluded that policy interventions should include developing sustainable banking regulations, creating green finance incentives, establishing sustainability-linked lending criteria, and strengthening financial inclusion policies that target sustainable development sectors.