The main purpose of this research was to determine and identify the challenges faced by micro finance institutions (MFIs) in credit management in Kisii. The study was guided by the following research questions: What are the exposing factors to credit risk among microfinance institutions? What is the relationship between credit management policy and customer retention? What are the guiding principles and practices that can be used to manage credit risk in microfinance institutions? In order to achieve the above, the study adopted a descriptive research design in order to obtain the data that is necessary, which in essence facilitated the collection of the private data as a way of getting into the research objectives. The population under study was 54 micro finance institutions. The collection of the private data was done using structured questionnaires that were pilot tested in order to ensure that there was reliability as well as validity. The coding of the data was done with the use of Microsoft Excel as when as Statistical Package for Social Sciences (SPSS) in order to generate the descriptive statistics for instance frequencies and percentages. The study findings reveled that there are various exposing factors to credit risk among microfinance institutions in Kenya. Specifically the majority of the respondents were of opinion that loans to individuals, highly contributed to credit risk, followed by involvement in foreign exchange trade, operational risk, prevailing inflation rates, prevailing interest rates group loans and finally, investment in bonds and equities. This implies that indeed issuance of loans to individuals is highly risk as compared to groups. It also implies that investment bonds and equities are less risky. The study concludes that that there is a positive relationship between credit management policy measures and customer retention. The study also concludes that the credit control policy implemented determines the risk exposure. Finally, the study concludes that controls, supervision and audit are adequate to mitigate credit risk.

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In this lesson, we shall begin by making known to you what analytical chemistry is. The question of what, where, who and why of analytical chemistry will also be answered in this lesson. It will be interesting to learn that analytical chemistry is all around us and everything we do has an aspect of analytical chemistry.

ABSTRACT This project explored the relevance of management systems to the contemporary society where computers have made tasks easier, more efficient and organized. Police record management system is a planned system of the storage processing and dissemination of data in the form of information needed to carry out various functions which come to simplify the tiresome manual way of reporting and writing the details on papers. There is need for an computrised record management system that can be used to store reported criminal activities in a centralized database which should replace the manual system that is currently being used. The manual system has few challenges that include the ever increasing paper load, difficulty in enforcing access control as well as cases of missing files and information. Our objective in regard to the project is to come up with an application that will be used to automate the manual management of Kenyan criminal records and hence the title “police management system (PRMS)”. Being a web based application; there is an assumption of users being connected to the internet. The scope of the project cuts across administrators and 2 types of clients; police officers and other clients: including private investigators, lawyers and other personalities seem fit by the Administrator to handle an account. The research methodology used in this project was System development lifecycle, using waterfall method simply because the project was small and there are no uncertain requirements. At the end of each phase, a review takes place to determine if the project is on the right path and whether or not to continue or discard the project The design was majorly aided by the dataflow context diagrams which are often used as a preliminary step to create an overview of the system. Use-case diagrams and activity diagrams also helped in coming up with the database class diagram which we used to develop the database. I faced some challenges in developing the systems in terms of having to learn new programming language on a short time frame and also experienced financial constraints on printing and buying of some devices that would have helped me to come up with better system like fingerprint scanner. In conclusion I would like to say that taking this project all through has been a wonderful experience for me. Without the practical knowledge that we acquired throughout the course, this project would not have materialized

ABSTRACT The center of this study was to develop and implement an Online Car Rental Information Management and Centralized Database System that helps in capturing the information from Customers and their Booking transactions. This was developed to reduce the effect of Manual System of Registering customers while booking. Therefore, the Project offers an extensive knowledge regarding Online Car Rental Information Management System from Africa one travels.thesyatem was developed using php MySQL HTML and CSS

This is a system documentation project report that documents the implementation of online compliant record system

ABSTRACT Automatic washroom light switch as the name suggests is a control device used in homes and can also be applicable in industries. A different component with different characteristics are incorporated together to come up with a circuit forming a control device. Major components used in this project are: Reed switch, Op-AMP 741, IC 4017, decade counter, General purpose relay, resistors and light emitting diode. This project is aimed at solving the problem carelessness of switching or turning off manual switches which for many cases results to a high electrical bills (consumption cost). It is simple to operate since it operates automatically. Micro controller in this project is IC 4017 while the OP – AMP 741 is a comparator.

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