ABSTRACT: In this project, the passion fruit extracted was used to determine the concentration of citric acid in citrus fruit were obtained from Daraja Mbili Market-kisii County. The method employed was simple titration where 2M of sodium hydroxide solution of known concentration was titrated against unknown concentrated solution of citric acid extracted until the neutralization was complete between the two solutions and phenolphthalein indicator was used to detect the color change. And some of the the experimental errors were encountered. By determining the volume of standard solution and unknown concentration used in the titration process as well as the concentration of standard solution, the concentration of unknown was determined. Where the concentrations were calculated using the values from the tabulated table

SMEs play critical role in creating job opportunities and growth of the economy. Currently, the rate at which the new firms formed have stagnated and those with less than 5 years are closing down is very high. This has triggered research on the financial performance of the SMEs especially in areas with high levels of poverty since most studies concentrate on developed economies and urban centers. This study investigated the determinants of financial performance of processing SMEs in Kisumu County. The general objective of study was to determine the factors that affected financial performance of processing SMEs in Kisumu County. The specific objectives of the study included: determine the effect of access to finance on the financial performance; establish the effect of financial corporate governance on the financial performance; determine the effect of product costing on the financial performance; and to determine the effect of risk management practices on the financial performance of the processing SMEs in Kisumu County

The main objective of the study is to assess the effect of internal control on fraud prevention in manufacturing industry. Other specific objectives are to: Evaluate the control systems put in place in manufacturing industry to prevent fraud. To find out the causes of fraud in the manufacturing industry. Identify the problems the industry face as a result of the detection of manufacturing or financial fraud To find out effective internal control system influence on prevetion of fraud. To find out the problem of fraud and how to curb it. To find out the employees knowledge base on the concept of fraud in the industry.

impact of microfinance on the growth of SMEs in Kenya The broad objective of the study is to examine the extent of the impact of microfinance on the growth of SMEs in Kenya, while the specific objectives are as follows: To examine the extent of the impact of microfinance on the growth of SMEs in Kenya. Toexamine the extent of the effect of finance house strict condition in granting loans on the development of micro and small scale enterprises. To examine the extent of the problems and challenges facing SMEs in Kenya To examine the extent of the implication of multiplicity of policies and regulatory measures on micro and small enterprises To examine whether Micro Finance Banks give out loan to Small and Medium Enterprises (SMEs) to establish or enhance their businesses To examine the extent of accessibility of funds by Small and Medium Enterprises (SMEs) from Micro Finance Banks (MFB)? To assess the extent of the stringent conditions put in place before loans are granted to Small and Medium Enterprises (SMEs)? To assess the extent of the effective mechanisms put in place by Micro Finance Banks to ensure judicious use of loans granted to beneficiaries (SMEs)?

The establishment of community banks by the Kenya Government with particular reference to Equity Bank Kisii was necessitated by the desire of Government to improve the standard of living of the rural dwellers and to encourage rapid development of the communities. It is in realization of these objectives that this study is being carried out to ascertain the impact of these community banks on rural development. Also the study is designed to determine the performance the community bank and the commitment of the staffs to realize this set objectives. The inscriptional survey method was used for the study with some fractional number of the total members of Equity Bank Kisii. Both primary and secondary data were combined in collecting information used for this study. A total number of 20 questionnaires were given our, though not all were returned and the information collected were very useful in achieving the objectives of this research.

The general objective of the study is to find out the effect of Mobile Banking on services delivery in Kisii Saccos. The following are the specific objectives: To examine information technology usage in the banking sector. Since it was information technology that gave birth to Mobile Banking. To establish the relationship between information technology and customer satisfaction. To establish the relationship between effective service delivery and customer satisfaction.

The aim of this research work is to analyze the marketing of banking services and the means in which the services are rendered by the banks. It will go a long way to unveil the new innovative method of marketing services used by banking sector such as E-banking, Core - Banking, corporate banking, Mobile banking. Plastic money. NRI banking etc, it will also investigate into the use of Marketing mix of banking sector in marketing services which involve the analysis of the Banks Products, Price, Pricing, Place, Promotion, Process, Physical evidence. To examine the level of market service delivery in Kenya Commercial Bank in relation to Information Technology (IT) innovations To examine the employees’ perception of the effects of IT innovations on market service delivery in Kenya Commercial Bank Kisii Branch

The major aim of this project is to investigate the problems of the microfinance sub-sector and discover the possible chances of future growth of the sub-sector in Kenya. Other objectives are based on the reviewed objectives of CBN on establishment of the Microfinance sub-sector. The objectives of this research are: To examine the major threats and challenges facing the microfinance banking sector. To determine the extent to which microfinance services have been made available and affordable to the active poor in Kenya. To determine the extent to which employment opportunities has improved in the country with the introduction of the microfinance policy. To know the extent to which microfinance services has affected the participation of the poor in the socio-economic development of the country. To determine the effect of loan portfolio on the profitability of microfinance banks in Kenya. To find out the extent to which savings have been mobilized or deposits increased after the introduction of microfinance services. To also recommend possible solutions to the identified problems and through this determine their chances of survival.

role of deposit money banks in the performance of small scale enterprises in Kenya a study of Equity Bank of Kenya.

The Challenges of Banking Sector Reform and Consolidation In Kenya ABSTRACT Banking reforms has been an on-going phenomenon in Kenya financial sector. It has however, recently been intensified due to forces of globalization, which are guiding the integration of world’s financial markets and economy. Banking reforms have resulted from deliberate policy response to correct perceived or impending banking sector crisis and subsequent failure. This work investigates the implication and challenges of banking sector reform in Kenya financial system, found out the prospect and the performance of banks after reforms are implemented, determine whether reforms have achieved its aim of strengthening the capital base of banks, and providing a healthy competitive environment among banks. Questionnaires were administered to two hundred randomly selected individuals of the selected banks in Kisii, Nyamira and Kisii local Government areas, the collected data were analyzed. The results showed that banking reforms in Kenya have significantly improved the performance of the services provided in the industry, and that the challenges of banking sector reforms in Kenya will grantee its successful future operations. The study also indicated that banking sector reform in Kenya have significantly strengthen a healthy competition in the industry. However, the respondents reflect that they have encountered operational problems of the system integration, computer and most of these problems include problems of the system integration, computer failure, power failure, crash programmes and policy differences. Thus, the work recommended that Kenya banks should improve on the efficiency of the operation and also the policy makers should give more time to banks that have failed to meet up with the implementation exercise due to time factor to readjust. Also government should always interfere to solve the problem of unemployment believed to have been caused by the banking reform. Similarly, for smooth running of the operation of the banking sector in the reforms and consolidation era, banks should be given adequate training to meet the expectation.