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Effect of digital financial services uptake on socio-economic status of households in Kibera- accounting, Banking and finance research project
| Institution | Kimathi Institute of Technology |
| Course | Business , hrm |
| Year | 3rd Year |
| Semester | Unknown |
| Posted By | MAKORI KERECHA |
| File Type | docx |
| Pages | |
| File Size | 3.02 MB |
| Views | 404 |
| Downloads | 0 |
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Description
The current economic conditions characterized by a high cost of living, high interest rates on loans and unemployment, digital lending products and services have increasingly become an option for many. Borrowing appetite has often led to bad debts, shifting between lending institutions to evade the responsibility to repay loans and resulting to debt accumulation. This study sought to find out the influence of digital financial services on the socioeconomic status of Kibera households. Specifically, the research sought to find out: the effect of digital credit services on socioeconomic status of households; the effect of digital savings services on socioeconomic status of households; and the moderating effect of household characteristics on the relationship between digital financial services and socioeconomic status of households . Primary data collection through administering structured questionnaires to the target population of households in Kibera. The questionnaires were issued randomly but purposively to households that used digital credit and digital savings. Descriptive statistics entailed mean and standard deviation were used for analysis. Inferential statistics, particularly regression analysis was conducted. OLS regression model was used to establish the relationship between the independent variables and the dependent variable. Notably, digital credit, digital savings and household characteristics had a positive relationship with socioeconomic status. Digital savings had a positive effect while digital credit reported a negative effect on socioeconomic status. Only one element of household characteristics namely, household size had a moderating effect on the relationship between digital financial services and socioeconomic status. The findings of this study are important to policymakers, regulators and digital financial services providers. The findings will be significant to future researchers who might need to refer or build on it through further research. The study recommended that there was need for policy makers to look at how the negative effects of digital credit on socioeconomic status can be reversed and maximize on the positive impact of digital savings on socioeconomic status of households.
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EXECUTIVESUMMARY
CHAPTERONE
In this chapter, the entrepreneur decides to look for the name of the business, the location, the owner of the business, registration of the business, products and services, justification, industry and goals of the business.
CHAPTERTWO
The entrepreneur in this chapter will look for the marketing objectives the customers, market share and segment, competitions, pricing, strategy, advertisement and promotion strategies distribution, sales tactics.
CHAPTERTHREE
The entrepreneur in the chapter will look the management and organizational, management objectives, personnel, remuneration and in comities.
CHAPTER FOUR
In this chapter the enterprise will work on production facilities and capacity, production strategy, the production process, regulation affecting process and regulation affecting production.
CHAPTER FIVE
In this chapter the entrepreneur will work on financial plan, Performa cash flow, and income statement, Performa balances sheet the break-even analysis, the desired capitalization and expected profitability
1549 Views
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5.5 MB
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EXECUTIVESUMMARY
CHAPTERONE
In this chapter, the entrepreneur decides to look for the name of the business, the location, the owner of the business, registration of the business, products and services, justification, industry and goals of the business.
CHAPTERTWO
The entrepreneur in this chapter will look for the marketing objectives the customers, market share and segment, competitions, pricing, strategy, advertisement and promotion strategies distribution, sales tactics.
CHAPTERTHREE
The entrepreneur in the chapter will look the management and organizational, management objectives, personnel, remuneration and in comities.
CHAPTER FOUR
In this chapter the enterprise will work on production facilities and capacity, production strategy, the production process, regulation affecting process and regulation affecting production.
CHAPTER FIVE
In this chapter the entrepreneur will work on financial plan, Performa cash flow, and income statement, Performa balances sheet the break-even analysis, the desired capitalization and expected profitability
1349 Views
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418.37 KB
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EXECUTIVESUMMARY
CHAPTERONE
In this chapter, the entrepreneur decides to look for the name of the business, the location, the owner of the business, registration of the business, products and services, justification, industry and goals of the business.
CHAPTERTWO
The entrepreneur in this chapter will look for the marketing objectives the customers, market share and segment, competitions, pricing, strategy, advertisement and promotion strategies distribution, sales tactics.
CHAPTERTHREE
The entrepreneur in the chapter will look the management and organizational, management objectives, personnel, remuneration and in comities.
CHAPTER FOUR
In this chapter the enterprise will work on production facilities and capacity, production strategy, the production process, regulation affecting process and regulation affecting production.
CHAPTER FIVE
In this chapter the entrepreneur will work on financial plan, Performa cash flow, and income statement, Performa balances sheet the break-even analysis, the desired capitalization and expected profitability
1685 Views
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General hardware business plan
EXECUTIVESUMMARY
CHAPTERONE
In this chapter, the entrepreneur decides to look for the name of the business, the location, the owner of the business, registration of the business, products and services, justification, industry and goals of the business.
CHAPTERTWO
The entrepreneur in this chapter will look for the marketing objectives the customers, market share and segment, competitions, pricing, strategy, advertisement and promotion strategies distribution, sales tactics.
CHAPTERTHREE
The entrepreneur in the chapter will look the management and organizational, management objectives, personnel, remuneration and in comities.
CHAPTER FOUR
In this chapter the enterprise will work on production facilities and capacity, production strategy, the production process, regulation affecting process and regulation affecting production.
CHAPTER FIVE
In this chapter the entrepreneur will work on financial plan, Performa cash flow, and income statement, Performa balances sheet the break-even analysis, the desired capitalization and expected profitability
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Construction company business plan
EXECUTIVESUMMARY
CHAPTERONE
In this chapter, the entrepreneur decides to look for the name of the business, the location, the owner of the business, registration of the business, products and services, justification, industry and goals of the business.
CHAPTERTWO
The entrepreneur in this chapter will look for the marketing objectives the customers, market share and segment, competitions, pricing, strategy, advertisement and promotion strategies distribution, sales tactics.
CHAPTERTHREE
The entrepreneur in the chapter will look the management and organizational, management objectives, personnel, remuneration and in comities.
CHAPTER FOUR
In this chapter the enterprise will work on production facilities and capacity, production strategy, the production process, regulation affecting process and regulation affecting production.
CHAPTER FIVE
In this chapter the entrepreneur will work on financial plan, Performa cash flow, and income statement, Performa balances sheet the break-even analysis, the desired capitalization and expected profitability
1251 Views
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Pig farming business plan
EXECUTIVESUMMARY
CHAPTERONE
In this chapter, the entrepreneur decides to look for the name of the business, the location, the owner of the business, registration of the business, products and services, justification, industry and goals of the business.
CHAPTERTWO
The entrepreneur in this chapter will look for the marketing objectives the customers, market share and segment, competitions, pricing, strategy, advertisement and promotion strategies distribution, sales tactics.
CHAPTERTHREE
The entrepreneur in the chapter will look the management and organizational, management objectives, personnel, remuneration and in comities.
CHAPTER FOUR
In this chapter the enterprise will work on production facilities and capacity, production strategy, the production process, regulation affecting process and regulation affecting production.
CHAPTER FIVE
In this chapter the entrepreneur will work on financial plan, Performa cash flow, and income statement, Performa balances sheet the break-even analysis, the desired capitalization and expected profitability
1259 Views
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Supermarket business plan
EXECUTIVESUMMARY
CHAPTERONE
In this chapter, the entrepreneur decides to look for the name of the business, the location, the owner of the business, registration of the business, products and services, justification, industry and goals of the business.
CHAPTERTWO
The entrepreneur in this chapter will look for the marketing objectives the customers, market share and segment, competitions, pricing, strategy, advertisement and promotion strategies distribution, sales tactics.
CHAPTERTHREE
The entrepreneur in the chapter will look the management and organizational, management objectives, personnel, remuneration and in comities.
CHAPTER FOUR
In this chapter the enterprise will work on production facilities and capacity, production strategy, the production process, regulation affecting process and regulation affecting production.
CHAPTER FIVE
In this chapter the entrepreneur will work on financial plan, Performa cash flow, and income statement, Performa balances sheet the break-even analysis, the desired capitalization and expected profitability
1535 Views
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DESIGN OF AUTOMATIC WASHROOM LIGHT SWITCH- electric trade project
ABSTRACT
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27 Pages
1328 Views
0 Downloads
449.65 KB
Desgin of Emergency lightning system- electrical power option trade project
INTRODUCTION
Emergency light is an integral part of household electronics nowadays. We all Emergency light is used during the power failure to light up the home. As it is used during the power failure, it should last long, hence generally bright white LEDs are used in emergency light, because they produce more light and consume less power. Emergency light is very useful and popular project in DIY section. So today we are going to build a simple and cost effective emergency light.
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1.2 OBJECTIVES
-To design a project that can be used an alternative source of light in case of power failure occasioned by changes in climatic conditions.
-To design a project that is cost effective.
1:3 SPECIFICATION
-Input voltage (220-240) V arc
-Frequency 50Hz a.c
-Battery output voltage 6v d.c
-Output current 4.5Ah
1:4 PROBLEM STATEMENT
- In boarding school at night and dawn studies, students do have problems when their is power failure ,so I come up with this project that will help provide light to them during their studies incase of power failure..
- Lastly it helps to reduce the cost of power consumption, hence it's economical alternative source of power,, as compared to generator.
18 Pages
1330 Views
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ABSTRACT
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43 Pages
1346 Views
0 Downloads
657.56 KB