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This study is about assessing Credit risk management of Nib international Bank S.C to achieve the intended objective of the study, Descriptive research was employed. Purposive sampling techniques were used to focus on limited number of informants who have deep insight about the issue. Accordingly, the size of the sample ware 143 which include all city Branch Managers and loan officers, credit analysts, Follow-up officer Customer Relationship Manager and Controllers of the bank. Questionnaires and interview were used as a primary data gathering instrument while annual reports and information from book of account were used as an instrument to gather secondary data relevant for the study. Descriptive statistics was used to analyze the data. Accordingly, the research found out that, credit risk policy and strategy of the bank is not renewed timely, the bank has no procedure to detect borrows associated with crime, internal risk rating system is not utilized to total portfolio and value and existence of collateral is not checked periodically Based on the findings the research suggest that, the bank should review its credit risk management strategy and policy periodically, develop policy enable to identify borrowers associated with crime and adjust its Management Information system in a manner it provide adequate information for decision makers.

The rapid changes in technological advancement implications are for companies to keep up with the trends and exploit them to their advantage. The manufacturing sector has been signaled as one of the industries that have been slow in its digital transformation. Kenya’s manufacturing sector has not been able to leverage digital transformation to enhance its performance and is behind in meeting its Vision 2030 goals. Therefore, this study assessed the influence of technological, organisational, and environmental factors on DT in Kenya’s manufacturing firms in the Nairobi region. The study was anchored on the technology organisation and environment (TOE) Framework and Diffusion of Innovation (DOI) theory. A positivist research philosophy fits with the study’s objective and is thus adopted. A descriptive correlational design is used as the study aims to describe the association between factors that may influence digital transformation. The target population was 725 firms from which a sample size of 176 was selected as the units of analysis. In each of the 176 firms, a senior manager involved in strategy implementation was purposively and conveniently sampled. The data was gathered using a Likert scale-based questionnaire that waschecked for validity and reliability in a pilot study from which the internal consistency of items was assessed. The output indicated that technology, organisation, and environment factors together explained 47.5 % of the change in DT adoption in manufacturing firms and was significant at the 95 % confidence level. Independently, technological factors had a .577 positive and statistically significant effect on DT adoption. The study therefore concludes that increasing technological factors in manufacturing firms will contribute to an increase in DT adoption while organizational and environmental factors do not have any effects on DT adoption. the study recommends that manufacturing firms focus on using technology that has affords them a relative advantage over the existing technology.

purpose of the study was to assess the credit management practice of Lion International S.C. The data were gathered from all staff of the head office Credit Management Department and twenty branch managers and customers’ relationship officer found in Nairobionly on the credit management practices of the bank in areas of securing credit facilities against collateral, credit management analysis/evaluation practice of the bank, concentration risk management practice of the bank and the practice of the bank’s credit follow-up and recovery. The questionnaire survey was undertaken among 65 employees of the bank and all were collected to assess the perception of credit management practices of the bank in relation to the above practices. Closed ended questions were used, particularly to reflect the views of the employees with regard to four practices.Descriptive research design with 5 levels Likert scale was used to measure variables of study. Data was analyzed through descriptive statistics, percentage and frequency using SPSS Version 20.0 software. The result from the survey shows that majority of the bank staff were explained their concern on weak collateral coverage of the bank loans, high concentration risk on export loan out of the total loan volume of the bank, weak credit analysis during approval and at same time poor follow-up and recovery activities. According to the survey the bank can reverse the potential risk by providing reasonable attention for collateral holding , developing moderate loan concentration between credit products, improving the competency of the credit follow-up and recovery division for quality loan management

COOP is struggling to improve and keep its service quality towards increase customers positive perceptions by providing and implementing like modern banking systems (core banking system, e-banking, mobile banking, and internet banking), technological instruments (ATM, POS) and other many banking services tools. However, there are some problems and difficulties observed on its service quality, handling of customers compliant, reliability, responsiveness and other services to apply effectively and efficiently as expected. (Co-operative bank of Kenya reviewed 2015/16 first quarter performance). In this regard, a research should be carried out on the service quality of COOP to fill the gap and give possible recommendation to make the customers more satisfied and the service delivery quality better. In light of the above discussion, it is deemed essential for COOP to be fully aware of its customer satisfaction in relation with the service offered to them. If COOP does not asses the magnitude of its customer actual perceptions of the service and make appropriate measure the result may have a direct impact on customer defection. COOP in the banking industry of the country should pay more attention for service quality to meet their customer’s expectation.

This research aimed to examine the barriers emerging from organisational structure, communication strategies and management commitment to corporate strategy implementation. The independent variables within the framework were organisational structure, communication strategies and management commitment, and the dependent variable was corporate strategy implementation. The research used a case study design with a quantitative approach. A nonprobability sampling technique with a total population sampling procedure was used guided by the three specific objectives (i) To assess the influence of organisational structure on strategic leadership in managing corporate strategy implementation (ii) To determine the influence of communication strategies on strategic leadership in managing corporate strategy implementation at Safina Media Group and (iii) To identify the contributing factors to management commitment in facilitating corporate strategy implementation at Safina Media Group. The main data collection instrument was a questionnaire distributed to 55 workers in total, and all 55 usable responses were received and analysed through SPSS 25. The objectives of the study were achieved through descriptive analysis. The analysis revealed that the highest rated barriers to effective strategic leadership are the information management system, poor communication, innovativeness and technology (M = 2.31, DS = 0.99 and M = 3.3304, SD = 1.27 and M = 2.26, SD = 1.04 and 2.28, SD = 1.99) respectively. This could be interpreted that a poor information management system, poor communication, poor innovativeness and low technology form barriers to effective strategic leadership in corporate strategy implementation at Safina Media Group. The findings and conclusion give recommendations that Management needs to understand the importance of managing information, communication, and technological innovations in a long-term perspective. Staff should be given information to carry out their human resource activities as well as make individual holders of management positions aware of the consequences of weak relationships with any employee on corporate strategic implementation. Last but not least, this similar study should be carried out with other entities of similar characteristics for comparison of the findings obtained and the validity of outcomes.

The study sought to assess the nature of armed conflict sexual violence trauma, social and economic strain experienced by girls and women in conflict of Tigray, northern region of Ethiopia. Both qualitative and quantitative (mixed - convergent parallel) research approaches were applied. Descriptive research design was adopted to analyze the qualitative data regarding the nature of their traumas due to the gang rape by armed groups. While, the quantitative data were used for identifying the nature of the psychological post-traumatic outcomes (post traumatic growth or post traumatic stress disorder) and level of social acceptance of the society based on survivor’s perception. A sample of 50 respondents, of which 23 girls and 27 women survivors participated in the survey. A structured questionnaire was used to collect the quantitative data while, among them, 14 respondents were selected purposively to conduct the in-depth interview to collect the qualitative data. The analysis focused on the traumas in terms of physical, psychological, social stigma and social acceptance of sexual violence along with economic strain and humanitarian aid intervention by different stakeholders. Descriptive statistics were applied to analyze the primary data with the help of SPSS 22.0. The results of the findings revealed that the survivors experienced a life-threatening physical abuse by armed groups results in raptured anal and genital organs, pelvic pain, fistula, bleeding, and sexual transmitted diseases including HIV and Hepatitis. The majority of the respondents also suffered from posttraumatic stress disorder as they were facing ethnic slur as well as exposed to atrocity committed on their families, friends and relatives. Nonetheless, some have developed positive posttraumatic growth emanated from their personal strength and religious believes. Despite the occurrence of frequent and perpetuated sexual violence against civilians during the conflict, the victims were still suffered from high social stigma. However, they admitted they have seen social acknowledgement towards the sexual violence. The economic strain of the victims was also aggravated due to lack of sufficient humanitarian aid intervention. It can be concluded that the sexual violence traumas of the survivors of conflict in Tigray were brutal atrocity against humanity. Mobile and outreach medical services with sufficient supply logistics are required for immediate relief of basic necessities.

This study has taken one of the current issues in the Kenyan banking industry: alternative channel banking. The objective of the study was to identify the challenges and opportunities of adopting electronic channel banking. The study was conducted on six private commercial banks. The banks were selected using stratified sampling technique. Data was collected by distributing questionnaire on a survey basis to the staff of the respected departments/divisions of the selected banks. Out of the distributed 92 questionnaires 87 of them were used in the study. The study used descriptive analysis to analyze the collected data. The results of the study showedthat; perceived ease of use, perceived usefulness, the fact that the Kenyan banking sector is adopting alternative channel banking late compared to developed countries and the fact that the 65 % of the population is between the age 15 and 54 (CSA, 2015) are opportunities for Kenyan private commercial banks to adopt alternative channel banking.It is also concluded that lack of awareness of the society about alternative channel banking; the security risk associated with using alternative channel banking; the constant interruption of power; absence of network between commercial banks; the underdevelopment of the telecommunication infrastructure of the country and the level of illiteracy of the society are challenges of adopting alternative channel banking for the Kenyan private commercial banks. Based on the findings commercial banks are recommended to create customer awareness; work with other commercial banks and government; enhance their infrastructure; develop customer customized system and associate motivating factors with the usage of alternative channel banking.

Abstract This study is conducted with Assessment of Opportunities and Challenges of E-Banking Service in CBE. The objective of this paper to assess adoption of E-banking in the Equity Bank banking services with respect to the challenges which can taking advantage of Ebanking system and expected opportunity derived by adopting the system. To acquire the intended information the researcher use different data collection instruments like distributing close-ended questionnaire, conducting interview. The collected data was analyzed by using descriptive analysis such as tables and percentages. Among the different opportunity that initiate banks to adopt e-banking services: Improving customer services, Facilitating the work to be done fast, helping to facilitate work with minimum error, Simplifying the activity of employees of the bank in the delivery of services to customers, Enhancing the image of the bank, improving efficiency, reducing paper work, reduces queues in the banking hall, Increasing Revenues of the bank, reduction of cost, and improves relationship with customers. It also investigated the major challenges for the electronic banking services in commercial bank of Equity Bank as of infrastructural, legal and regulatory, socio-cultural, and illiteracy related challenges. To address various challenges identified on the study, the study suggests a series of measures which could be taken by government as well as Equity Bank.

Over the last decade, there has been an increase in the number of money laundering and terrorist financing crimes across the globe. In a bid for authorities to control these criminal activities both locally and internationally, the Financial Action Task Force (FATF) 40+9 recommendations were established as a mechanism for identifying, combating and controlling money laundering activities. Kenya recently endeavored to combat money laundering and terrorist financing by criminalizing money laundering and financing of terrorism through proclamation no. 780/2013. In this regard, banks play a leading role as the main objective of the law is to ensure the integrity of the Kenyan financial system. Therefore, the purpose of this research is to assess the Anti-Money Laundering (AML) and Counter Financing of Terrorism (CFT) practice and challenges of commercial banks in Kenya in accordance with international standards and applicable laws. This study employed exploratory and descriptive research design in the form of close ended questionnaires completed by 69 employees of Kenyan commercial banks. To assess the practice and challenges 48 questions were provided to the respondents to acquire quantitative data and eight close ended interview questions were also provided to accommodate opinions of FIC officials. Based on the respondents among the commercial banks' the study found that commercial banks in Kenya have been discharging their responsibilities by implementing and practicing AML/CTF. However, ML/TF preventive measures revealed that commercial banks do not have automatic electronic customer/transaction screening and the finding confirmed that absence of national ID and lack of list of Political Exposed Persons, lack of technology to enhance AML/CFT activities and lower awareness in the country are serious challenges for banks. Therefore EFIC and NBE and other responsible organs of the country have to focus their efforts on the most fundamental tasks and main challenges, and need to give utmost priorities about AML/CFT. Finally, as this study focuses on commercial banks, further research is needed on the other financial and nonfinancial sectors which are vulnerable to money laundering and terrorist financing.

This research paper explores challenges of obstetric fistula with the aim of assessing the lived experiences, challenges and solutions of women survived from obstetric fistula at Hamelin Hospital. The study was undertaken utilizing an in-depth interview and eight participants were purposely selected and 5 participants were interviewed as data saturation reached on the 5th participant. Methodologically the research study is used Qualitative research method and case study. In-depth interview used as a main tool to capture qualitative data. Open-code categorization and content analysis is used for analyzing data. The key findings of the research indicate that first; the participant’s sexuality and sexual experiences before marriage in that they denied having any intimate relationship or sexual interaction before marriage and stated that their parents or caretakers forced into marriage without their consent at early age. Second; Life, challenges and cope-up mechanism after developing fistula they faced many challenges medical and psychosocial. Their coping mechanisms was staying at home and isolating self. Third, perspectives about the future life and how do they shape it they were optimistic about their future after their repair. Fourth, predictions on fistula treatment and rehabilitation services participants were very satisfied by the treatment and very happy about the rehabilitation program. The interventions designed and implemented to understand effects of obstetric fistula and what impact it has in their psychosocial and economic situations, identifying areas of potential concern for supporting and the intervention activities. It helps to develop mechanisms that enable to explore and build up the strength of individuals and communities, which would ultimately help to prevent and manage obstetric fistula

While under taking this study the general objectives of this paper is to assess conflict and conflict generating factors and suggest some of the solution methods as it is practiced in particular reference of EthioTelecom. More specifically, the aim of the study would be: To identify the type and source of conflict in Telecom. To examine the effect of conflict on individual, group and organization performance. To investigate techniques that is used to manage or stimulate conflict in organization. To investigate the extent to which management and employees understand conflict and how they react to it. To examine the significant of conflict management, employees and organizational in general. To identify functional and dysfunctional conflict in organization.

The study conducted titled, contribution of Harambee Youth Employment Accelerators to employment opportunities of youth in Kenya. A case of Harambee (2018 -2023). The study’s objective were to analyze the level of youth participation in Harambee youth employment accelerators, to examine the extent to which Harambee youth employment accelerators contribute to Kenyan youth employment, to identify the challenges that Harambee youth employment acceleratorsface in achieving their objectives effectively and to develop effective strategies to overcome the challenges encountered by Harambee youth employment accelerators. In conducting the study, the researcher employed a mixture of qualitative and qualitative research design. Interview, questionnaire, and documentation were used in data collection, simple random sampling technique were used in sampling while descriptive statistics analysis were used in data analysis. The study finds that Harambee employment accelerators provides access to mentorship and coaching and increase the confidence and self-esteem of participants and improve chance of getting job and help to connect with job opportunities. And the study finds the challeges faced by Harambee are lack of sufficient funds, and struggle to reach and engage with marginalized youth effectively. The study recommends that Harambee should embrace the technology and online training and reach more to the margninalized community in rural areas.

Conflict is an inevitable part of every effort. In the realm of management, conflict management is a newer concept. Individuals' actions and the conflict's outcome may be profoundly affected by these characteristics. If the manager is unable to successfully manage conflicts and find solutions, it might cause problems. This research examined intragroup conflict and strategies for resolving it in the context of management at Airtel Kenya's headquarters. According to preliminary survey data collected for this study, numerous disagreements occur at Airtel Kenya despite the presence of laws and regulations meant to prevent them. Therefore, the study's stated objective was to evaluate the elements impacting Airtel Kenya's central office's conflict management strategy. The main objective of the study is to investigate determinants of workplace conflict in Airtel Kenya head office. This study employs a quantitative methodology. The researcher employed a descriptive research strategy to complete this report. To conduct this research, we used data from all 2512 workers at Airtel Kenya's headquarters. In this study, respondents were chosen using a basic random sample method. As the population is very consistent, a random sample may be taken from it with little bias. A total of 138 workers participated in the study's sample.As the mean score was just 2.88, it may be inferred that the vast majority of respondents did not place a high priority on the interdependence dimension. All five potential categories of conflict at Airtel Kenya are positively correlated with employees' degrees of conflict management skills, the findings show (at the 0.01 level). A regression model was employed in the research to examine how much of the variation in successful conflict management may be attributed to controllable variables. the model's predictor variables have successfully explained 91.5% of the observed variance. This suggests that the model's independent variables account for more than 91.5% of the variance in the factors influencing successful conflict management at Airtel Kenya. Identifying the gap in department cooperation, Airtel Kenya should involve department heads in order to help them forge strong bonds to cooperate well with another departments, which in return facilitates effective experience sharing between departments.