Browsing by Author "Kithandi, Charles Katua"
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Item Corporate Governance And The Financial Performance Of Deposit-Taking Savings And Credit Co-Operative Societies In Nairobi City County, Kenya(International Journal of Scientific and Research Publications, 2022-10-30) Kithandi, Charles KatuaCorporate governance is the backbone of transparency, accountability, integrity and security of shareholders’ interest in an organization. An organization with poor corporate governance structure is likely to fail to achieve its objectives as well as have exposure to financial losses. The purpose of this study is to examine the effect of corporate governance on the financial performance of Deposit-taking Savings and Credit Co-operative Societies in Nairobi City County, Kenya A purposive sampling method integrating qualitative and quantitative design methods was employed in this study. The target and sample population were all the 42 Deposit-taking Savings and Credit Co-operative Societies in Nairobi City County, Kenya while a sample of 30 deposit-taking SACCOS was used for this study. For the 30 deposit-taking SACCOS, the company secretaries and other two executive top management members were each subjected to the study through the administration of questionnaires, hence three respondents per deposit-taking SACCOS. The published annual reports of the of 30 deposit-taking SACCOS were used to collect secondary data. SPSS research analysis tool was used emphasizing on the Multiple Regression Analysis and the Spearman Correlation Coefficient among others to assess the magnitude and relationship and thus come up with a finding of the relationship of the independent and dependent variables. The research found that corporate governance practices greatly affect Deposit-taking Savings and Credit Co-operative Societies in Nairobi City County, KenyaItem Digital Borrowing And Personal Finance Among Students In Selected Christian Universities In Nairobi County – Kenya(International Journal of Scientific and Research Publications, 2023-04) Nzisa, Samuel Maingi; Kithandi, Charles KatuaTechnological advancements in the financial sector have revolutionized the order of borrowing. Digital lending platforms have emerged, offering quick access to funds by many borrowers with no collaterals, no need for paperwork, complete and remote accessibility, and the use of digitized data to determine the creditworthiness of the borrowers. The purpose of this study was to investigate the relationship between digital borrowing and personal finance among students in selected Christian universities in Nairobi County, Kenya. The study used the financial intermediation theory, innovation diffusion theory, time preference theory, and the finance and inequality theory. A descriptive research design was utilized for primary and secondary data, and the primary data was collected using a questionnaire. The data was then cleaned, coded, and organized for analysis using the Statistical Package for the Social Sciences (SPSS). After analysis, the data was presented in charts, tables, and figures. The findings indicated that the most common digital borrowing platforms are Okoa Jahazi, Tala, Branch, Fuliza, Mshwari, KCB Mpesa, KCB App, MCo-op Cash, and Eazzy Banking App. The study also established that students in the sampled Christian universities highly depended on their parents for upkeep and that their digital loans were mostly for for emergencies and investment activities. Spearman correlation was used to determine the relationship between the dependent variables (savings, spending, and investment) and the independent variables (application-based lending and mobile-based lending), resulting in a moderate positive correlation and a significance level of P<0.001. It was concluded that digital borrowing significantly and positively affects personal finance. The study recommends a change of the digital credit system and an efficient and effective regulation for all digital lenders.Item Economic Factors Affecting Consumer Purchasing Decisions in the Kenya Motor Industry(Journal of Economics and Sustainable Development, 2024-01) Ondabu, Ibrahim Tirimba; Kithandi, Charles KatuaThis study aimed at establishing the economic factors affecting consumer purchasing decisions in the Kenya motor industry The independent research variables were motor vehicle cost, consumer income level and consumer credit access. The dependent variable was consumer purchasing behavior. The main research question was whether economic factors affect the consumer purchasing decisions in the Kenya motor industry. Using descriptive research design, correlational analysis and primary data that was centered on a target population of 92,157 buyers of the 107,499 cars that got new registration numbers in Kenya in the year 2021, the study adopted a sample size of 398 respondents as derived from the Solvin’s formula through whom the questionnaires were distributed. The study findings reveal concluded a statistically significant strong negative relationship between motor vehicle cost on consumer purchasing decisions. The study also concludes that both consumer income and credit access has a statistically significant positive relationship on consumer purchasing decision.Item Impact of Stock Market Development on Economic Growth in Kenya: A Systematic Review(International Journal of Recent Research in Commerce Economics and Management (IJRRCEM), 2023-03) Kithandi, Charles Katua; Moragwa, Christine; Mutunga, AntonyThis study aims to analyze the relationship between the stock market development and economic growth in Kenya This study uses a systematic review and analysis of relevant empirical reviews from previous studies. The study analyses data from five previous studies done in Kenya between the period 2017 -2021. The findings of the systematic review show that while an expanding stock market can cause economic growth to be impacted positively, this relationship is not straightforward and is affected by a variety of factors, including political stability, government policies, financial infrastructure, and the availability of credit and foreign investment. The study also identifies several challenges that have hindered stock market development in Kenya, including a shortage of liquidity, limited participation by domestic investors, weak corporate governance, and inadequate regulatory oversight. Based on these findings, the study provides evidence-based recommendations for policymakers to promote stock market development in Kenya and enhance its contribution to economic growth. These recommendations include improving the regulatory framework, enhancing transparency and disclosure requirements, increasing investor education and awareness, and strengthening corporate governance practices. The study concludes that stock market development has a significant positive effect on economic development in Kenya.Item Monetary Policy and Financial Performance of Commercial Banks in Kenya(The International Journal of Business & Management, 2022-06) Kithandi, Charles KatuaThis study has been done to address the research gaps in the effect of monetary policy of commercial bank’s financial performance. The key objectives of the study were to establish the following; the effect of changes in central bank rate on financial performance of commercial banks in Kenya, the effect of reserve ratio requirement on financial performance of commercial banks in Kenya and, the effect of repo rate on financial performance of commercial banks in Kenya. The study was carried out covering a five-year time frame period from 2016 to 2020. The independent variables of the study involved: cash reserve ratio, Central bank rate, and the repo rate. Return on equity was used as the dependent variable. The study used descriptive longitudinal research design. The total population consisted of all the commercial banks, which is forty-two in number, licensed to operate in Kenya by the Central Bank of Kenya. The study employed various research tests; Durbin-Watson, quantile-quantile plot and normality test were applied in research finding analysis. The study found out that a negative relationship exists between both Central Bank rate and cash reserve ratio requirement and return on equity (financial performance) of commercial banks in Kenya. The research findings also showed that a positive relationship exists between repo rate and the return on equity (financial performance) of commercial banks in Kenya. In Conclusion, the study concluded that monetary policy affects profitability and financial performance of commercial banks in Kenya. The study recommends that, for central bank to stimulate economic growth, central Bank rate needed to be monitored and maintained low.Item The Impact of Public Domestic Borrowing on Private Sector Investments in Kenya(Lapai Journal of Economics, 2023) Kithandi, Charles KatuaIn recent there has been rapid increase in uptake of domestic debt by the government of Kenya. The purpose of this study was to establish the Impact of Public Domestic Debt on Private Investments in Kenya. The independent variable was public domestic debt while the dependent variable was private investment. Secondary data on Public domestic debt data and private investment was collected from Central Bank of Kenya. The secondary data was for the periods 1999 to 2021. Private investment was operationalised using Gross fixed capital formation (GFCF) and the study applied Autoregressive distributed lag (ARDL) econometric model. The study found out that the long-term analysis indicated sustained public domestic borrowing had a negative influence on GFCF, revealing a crowding-out effect. This implied that over time, persistent government debt led to reduced private sector investment.