The impact of bank services especially universal bank cannot be over emphasize. The main reason for this research work is to discover the problem militating against their operations, these problems have to be considered with the aim of giving relevant suggestion for improvement, the problem there among other things includes; those of poor record keeping, poor account system, embezzlement, fraudulent practices, poor organization, planning control and loan portfolio management. There is also the problem of competition. The market for banking services is not homogenous its differentiated by preferential to characterized clients or customer and by the traditional ethics to which banking houses are accustomed. OBJECTIVE OF THE STUDY The objectives of the study are; To ascertain the impact of Kisii economy on the banking sector To ascertain the role of banking sector in the Kenya economy To ascertain the relationship between Kenya economy and banking sector

impact of financial meltdown on the financial ratios of the deposit money banks in Kenya.

SOIL AMENDMENT EFFECTS (ASH, CHARCOAL AND MANURE) ON PANAMA DISEASE (FUSARIUM WILT) OF BANANA IN KISII COUNTY. Panama disease has posed a serious threat to banana production, food security and sustainable productivity in Kenya and Kisii County is no exception. The disease was reported in Kenya in 1952, where it was found to cause serious yield losses. The disease is caused by a fungus called Fusariumoxysporumf.sp.cubense. The disease has threatened to deny the local farmers the key source of income and livelihood. This research will delve into ways in which the disease can be managed since there has not been any consistent method of eradicating the destructive Fusariumpathogens. A lot of emphasis has been put on use of chemicals and use of resistant cultivars. The methods have been proved to have economic challenges, environmentally unfriendly and not effective due to pathogen mutations. The objective of this research is to determine the effect of soil amendment on Panama disease in banana plants. The research will also seek to determine the range of PH in which the pathogen develops best in Kisii environment, to investigate on the disease incidence in the study area and investigate the races of panama disease found in Kisii. Literature will be reviewed under five sections namely; impact of panama production, brief history of the disease,epidemiology,symptomatology and management of the panama disease.

CAUSES AND STRUCTURAL EFFECTS OF STUDENT ABSENTEESM AT TOMMBOYA UNIVERSITY IN KANYACHI KACHAR SUB LOCATION

EFFECTS OF DOMESTIC VIOLENCE ON CHILDREN’S SELF ESTEEM IN KENYENYA SUB-COUNTY, KISII COUNTY This study was carried out to find the psychological nature and consequences of domestic violence on children self-esteem their ages ranges from 0-18 years comprising of urban and rural children they were administered an index of family relation questionnaire which assesses domestic violence an index of self-esteem Pearson is analysis and chi square statistical methods were used. Findings showed that there is a significant relationship between domestic violence and self-esteem revealing that children who experience domestic violence suffer suppress and diminish self-esteem there were significant difference in self-esteem between males and females children from violent and non-violent homes there was no significant difference between urban and rural children the result also found that the aftermath effect of domestic violence often leave the victims with the tendency to abuse their children and spouse violently the paper concludes that wholesome family relations will control the occurrence of domestic violence and its likely effect on children and potential victims

EFFECTS OF FAMILY PLANNING AMONG SCHOOL GIRLS IN NYARIBARI MASABA SUB COUNTY, KISII COUNTY. The aim of the study is to determine the effects of family planning on social life among school going girls in Nyaribari Masaba sub county, Kisii County. The study was guided by the following objectives. To investigate the effects of family planning of young going school girls on their health in Nyaribari Masaba sub county. To determine the factors contributing to the adoption of family planning among school girls in NyaribariMasaba sub county. To suggest strategies to create awareness on the use of family planning methods among school going girls in NyaribariMasaba sub county.

EFFECTS OF FEMALE GENITAL MUTILATION ON SCHOOL GOING GIRLS IN KURIA EAST SUB-COUNTY, MIGORI COUNTY The purpose of the study was to determine the influence of the practice of female genital mutation on the schooling of a girl child in Kuria Eaast sub county. The study sought to achieve results of FGM on schooling of a girl child. The study adopted descriptive survey research design and was guided by general systems theory which states that each concept is a system (Gochmans 1968). The study targeted health administrators, school administrators, parents and girls secondary school in the sub county. The study was carried out with a target population of 95. The researcher used stratified random sampling technique to select the respondents. Questionnaires were used to obtain important information about the population. The study will provide relevant information that will help, the government to formulate and implement such policies that will support the continuity of the implementation of war against female genital mutilation on education. Further the scholars and researchers will use this study as a secondary data to review their literature.

FACTORS INFLUENCING SCHOOL DROP OUT AMONG SECONDARY SCHOOL GOING CHILDREN. A CASE OF SINDO LOCATION, HOMABAY COUNTY Education is an important life process that plays a vital role in forming the foundation for a student’s future better being as it equips the learning with basic knowledge skills and attitude that will enable him/her to cope well in life. In Sindo location most students who attend secondary school don’t complete secondary level of education. Despite Kenya government commitment to subsidize students education their completion rate at secondary level is not 100%. The purpose of this study was to investigate the effects of secondary on-going children dropout in Sindo location Homa Bay county. A descriptive survey research design was used for this study it was useful in describing the ethics even when analyzing multivariable. The target population consisted of 8 secondary schools in Sindo location. The population was there for 8 principals 64 teachers and 480 form four students. The data was analyzed by use of statistical package for social sciences (SPSS) programmers. The raw data from the field was summarized coded edited and computerized through synthesizing information from questionnaire by SPSS. The study concluded that income does not influence dropout among students in secondary schools. The attachment to low income is compounded by involvement in income generating activities enabling to afford basic needs, looking after young siblings and inability to pay fees. The study recommended that poverty alleviation measure should be strengthened in the society to enable all families get high income so as to maintain their children in school till completion.

EFFECTS OF FAMILY CONFICTS AMONG THE YOUTH IN KENYA ACASE STUDY OF KESSES CONSTITUENCY IN USIAN GISHU COUNTY Today’s families experience problems like unfaithfulness, violence, child molestation, divorce and separation. These problems experienced in families affect the youth in those families. The purpose of the study was to find out the effects of family conflicts on the academic performance and interpersonal relationships of youth in Kesses Constituency. This study employed the descriptive survey research design to determine influence of family conflicts in academic performance and interpersonal relationship of the youth under study. The target population of the study was public primary society youth in Kesses Constituency which has 47870 youths. The study was carried out among youth in churches and eight in high schools purposively selected within Kesses Constituency. The study expected to elicit useful data on the effects that family conflicts have on national performance and inter personal relationships among youth. The study findings indicate that both youth and researcher’s agreed to the fact that family conflicts affected a youth cognitive and affective growth. There was low class concentration if parents or guardians were fighting, because the youth were always thinking about the happenings at home. It was also established that a majority of youth did not share with their peers when their parents or guardians were quarrelling. More female youth were exposed to violence or abuse. The study also revealed that youth who came from families where there was conflict did not relate well with their people in the society

The research work evaluated customer’s perceived risk and online bookings of hotels in Kisii Town. It was a descriptive survey research in which 4 specific objectives, 4 research questions and 4 research hypotheses guided the study. The researchers purposively use 18 hotels in Kisii Town as its case study and 384 as its sample size. The research instrument used for data collection was a questionnaire on a 5 point rating scale, which was subjected to a reliability test that produce a reliability coefficient of 0.853, descriptive and inferential statistics on SPSS version 20.0 was used to analyze the data generated. Findings revealed that there is no significant relationship between financial risk and online booing of hotels in Kisii Town and there is a significant relationship between financial risk and online booking of hotels in Kisii Town . Secondly, there is no significant relationship between security risk and online booking of hotels in Kisii Town and there is a significant relationship between security risk and online booking of hotels in Kisii Town . Thirdly, there is no significant relationship between social risk and online booking of hotels in Kisii Town and there is a relationship between social risk and online booking of hotels in Kisii Town . Following the positive and insignificant relationship between online booking as a dimension of customer’s perceived risk, the study recommended that in booking of hotels online, customers should look out for secured and registered sites to avoid loss of money and other financial details and hotel owners introducing online platforms should also make sure that their sites are secured from intruders in other to protect their customers.