https://repository.kcau.ac.ke/handle/123456789/505 2026-06-04T11:09:40Z https://repository.kcau.ac.ke/handle/123456789/555 The Effect Of Interest Rate Capping On Profitability Of Tier One Commercial Banks, In Kenya Nganga, Serah W The step taken in capping interest rates and setting a floor on deposit rates has a very noble objective, but in practice it has ended up with very adverse consequences. Some other countries have tried this before and evidence shows that in such countries the ratio of credit to GDP is lower than the regional average. The purpose of the study was to address the effect of interest rate capping on profitability of tier one commercial banks, in Kenya, a case of selected commercial banks in Nairobi.. The specific objectives were to address the effect of asset shifting, credit access and nonperforming loans on profitability of tier one commercial banks in Kenya. The research design was descriptive design. The target population was staff in the selected banks. The sampling design was stratified random sampling design. During data collection, questionnaires were the main data collection method. After data collection, the data was analyzed by adopting quantitative technique. Presentation was done inform of diagram such as tables, pie charts and bar graphs. The study found that in asset shifting, presence of interest cap may discourage supply of funds to the financial system considering of fixed returns. This was found to limit the banks from realizing high revenues ultimately affecting profitability. Based on the credit access, the interest cap increases the problem of adverse selection as it restricts lenders‟ ability to price discriminate, as a result, interest caps prompts the banks to charge interest on flat rate regardless of good borrowers or bad borrowers. The study recommends that bank administrators should consider identifying alternative sources of revenues when striving to attain profitability considering that the presence of interest cap may discourage supply of funds to the financial system because of fixed returns. 2019-01-01T00:00:00Z https://repository.kcau.ac.ke/handle/123456789/554 Effects Of Corporate Social Responsibility On Financial Performance Of Commercial Banks In Kenya Khabelwa, Lilian N Corporate social responsibility (CSR) is a significant notion that is progressively being deliberated and adopted worldwide. Various stakeholders are demanding the incorporation of social activities in the organization’s daily practices. Some of the reasons why companies adopt CSR are; compliance with the law, to enhance a competitive advantage, others do it because it is the right thing to do for the society. This study thus sought to establish the effects of CSR activities on performance in financial terms of 42 commercial banks in Kenya with focus on economic social responsibility, discretional social responsibility and ethical social responsibility activities. A cross- sectional simple descriptive research design was used in this study. The study will exclusively used primary data by administering questionnaires to all the 42Commercial banks in Kenya. Financial performance was the dependent variable while economic, discretional and ethical social responsibility as the independent variables in the study. 2019-01-01T00:00:00Z https://repository.kcau.ac.ke/handle/123456789/552 Effect Of Micro-finance Credit Requirements On The Level Of Credit Uptake Of Small Scale Enterprises In Nairobi County, Kenya Maluga, Arnold M This study sought to establish the effect of micro-finance credit requirements on the level of credit uptake of small scale enterprises in Nairobi county, Kenya. The study was guided by three objectives which are to determine the effect of micro-finance interest rates, to evaluate the effect of micro-finance credit repayment duration, and to assess the effect of microfinance collateral requirements on the level of credit uptake of Small Scale Enterprises in Nairobi County, Kenya. Some theories used to support the objectives included financial inclusion theory, imperfect information theory, and financial intermediation theory. The study used descriptive research to collect data; open and closed questionnaires were in the collection of data. The target population was 21,000 small scale enterprises out of which only 56 were sampled but only 48 questionnaires were used in the actual study of the research. To enhance validity the questionnaire was reviewed by the project supervisor. The researcher thereafter analyzed the data through sorting and editing of the questionnaire to avoid errors. MS excel was used to help in data entry and to spot any inconsistency. It was found out that the objective of the study affected the uptake of loan by the small scale enterprises. The study found out that interest rates had great effect to the level of credit uptake by SMEs and that if the interest rates were high then the uptake was low, credit payment duration affected the repayment rate of uptake; if the duration was longer then SMEs would opt for credit uptake than MFIs which offered short repayment period. The study found that collateral requirement was a major hindrance to SMEs taking up the loans. The study recommendation enabling environment for small scale enterprises to grow and thrive, therefore there is a need to develop strategies to enhance increased access to microfinance credit for small scale enterprises from commercial banks and other financial institutions and government to set up policies that will ease microfinance credit to small scale enterprises research. The study suggested for other areas to establish how interest rate, collateral requirement and credit repayment duration affects the profitability of the small scale enterprises and their operations. 2019-01-01T00:00:00Z https://repository.kcau.ac.ke/handle/123456789/551 The Effect Of Internal Controls On Revenue Management In County Governments In Kenya (A Case Study Of Nairobi City County) Kagure, Sylvia W The study sought to examine effect of internal controls on revenue management in Nairobi City County Governments in Kenya and a case of Nairobi City County Government. The specific objectives were to establish the effect of control environment, control activities, risk assessment activities on revenue management in Nairobi County. This study is significant to the Management of Nairobi City County Government, employees of Nairobi City County Government and other researchers. The research design was descriptive research design. The target population of this study was 506 administrative staff at the office of Nairobi City County Government chosen from finance, accounts, IT staff and quality assurance who are considered directly involved in internal control and revenue management in the county. The sampling design was stratified random sampling. In the analysis, quantitative technique to generate mean and frequencies was used and the presentation was accomplished by use of figures such as distribution tables, pie charts and bar graphs. The management determines the knowledge and skills required for each position to enhance control environment, thus, putting the rightful employee with appropriate capacity was expected to result in better delivery of goals on revenue management. Procedure manuals were well communicated to employees for proper work discharge; therefore, it implied that employees were expected to follow the procedures as part of the control activities. The study recommends that the management of Nairobi City County Government should ensure that all control activities are fully spelt out among all the staff in order for them to know what they are expected to do. Therefore, the management should always ensure that all the authorizations procedures are followed by providing supporting information on what needs to be authorized so that subject of fraud does not come about. 2019-01-01T00:00:00Z