https://repository.seku.ac.ke/handle/123456789/18 Tue, 20 Oct 2026 01:35:31 GMT 2026-10-20T01:35:31Z https://repository.seku.ac.ke/handle/123456789/8445 An empirical analysis of the determinants of digital credit default in Kenya Ngonde, Moffat M.; Bowen, Michael; Nzomoi, Joseph N. Kenya has a vibrant Digital Financial Services sector characterized by innovative and technology-driven products. The mobile money revolution has pioneered financial inclusion through services such as M-PESA and recently through digital credit providers such as M-Shwari, Tala and Branch among others. This paper sought to examine the determinants of digital credit default in Kenya. The objectives of the study were: i) to determine how digital illiteracy influences loan default, ii) to analyze the correlation between betting behavior and digital credit distress and iii) to assess the impact of economic shocks on the likelihood of default. The study utilized a quantitative, cross sectional research design using secondary data from the 2024 FinAccess survey in Kenya to examine the relationship between borrower characteristics and the probability of default. From a sampling frame of 20872 borrowers, stratified sampling technique was used to identify 6571 digital borrowers that formed the sample size. A probit model was estimated using maximum likelihood estimation on E-views. Findings indicate a marginal effect for illiteracy, showing that an illiterate borrower is 4.5 per cent more likely to default compared to a digitally literate one. Similarly gambling and sickness yielded 8.4 per cent and 13 per cent respectively on the probability of default. On demographic characteristics, male borrowers were found to be riskier than female, with a coefficient value of -0.037377, implying that being male increases default risk by 3.7 per cent. Income had a negative effect on default, implying that higher income reduces the probability of default. Based on these findings, the study concludes that credit default is largely contributed by a combination of factors including financial literacy, sickness, gambling and income level. The study recommends that credit reference bureau listing mechanism be reviewed to account for verifiable shocks such as illness and that gambling should be considered as one of the eligibility criteria for digital lending since it enhances default rate. DOI: https://doi.org/10.47772/IJRISS.2026.100300303 Mon, 06 Apr 2026 00:00:00 GMT https://repository.seku.ac.ke/handle/123456789/8445 2026-04-06T00:00:00Z https://repository.seku.ac.ke/handle/123456789/8444 The effect of activity-based costing and financial performance of selected microfinance institutions in Kenya Pepela, Haggai; Malenya, Abraham; Yatundu, Faraji A. The study investigated the effect of activity-based costing on the financial performance of selected microfinance institutions in Kenya. The study was anchored on agency theory and used both descriptive and correlational research designs, targeting 56 respondents from 14 licensed microfinance institutions in Kenya. The respondents included managing directors, regional managers, branch managers, loan officers, and operational managers. Primary data were obtained from self-guided questionnaires, and reliability tests were performed to assess the reliability of the study constructs using Cronbach's alpha. The questionnaire was also subjected to experts in the fields of finance and banking. The findings revealed that activity-based costing had a statistically significant positive effect on financial performance, with a correlation coefficient of 0.718 and a coefficient of determination of 0.516. The study concluded that microfinance institutions in Kenya can improve financial performance by adopting activity-based costing. The findings provide valuable insights for microfinance institutions, policymakers, regulators, and other stakeholders seeking to strengthen institutional performance and improve service delivery to underserved populations. DOI: https://doi.org/10.51583/IJLTEMAS.2026.150700003 Wed, 05 Aug 2026 00:00:00 GMT https://repository.seku.ac.ke/handle/123456789/8444 2026-08-05T00:00:00Z https://repository.seku.ac.ke/handle/123456789/8329 Knowledge management strategy and academic performance of public day secondary schools in Matungu Sub-County, Kenya Ndakalu, Kayugira O.; Yatundu, Faraji A.; Wanyama, Kadian Past research with regard to human resource management strategies against academic performance gave little attention on how knowledge management affect academic performance. This study examined the relationship between knowledgemanagement strategies and academic performance of public day secondary schools in Matungu Sub- County of Kakamega County in Kenya. The study was anchored on Behavioral Perspective Theory. The study used descriptive research design with a target population of 20 principals and 388 teachers totaling 408 respondents. The respondents were drawn from 20 public day secondary schools in Matungu SubCounty of Kakamega County. Purposive and stratified sampling method was used. Yamane formula was used to calculate the sample size of 201 respondents. Primary data was obtained using a structured questionnaire pretested for reliability and validity. For reliability analysis Cronbach’s alpha was used. Pilot study was carried out at Madende Mixed day secondary school in Busia County. The period of the study covered was five years from 2017 to 2022. The data collected was analyzed quantitatively in relation to research objectives. Descriptive statistics was employed which consisted of frequency tables, percentage, standard deviation and weighted mean. Trend analysis was then applied to predict the research variables and then finally data was presented using tables. Knowledge management had a positive and statistically significant relationship with Academic Performance (Knowledge Management (B = 0.142, Beta = 0.160, p = 0.008). On recommendations,Knowledge management boosts academic performance in public day secondary schools,encourage collaboration between policymakers, practitioners, and academics to ensure that research informs policy and practice, and vice versa.But gaps exist in aligning training outcomes with organizational objectives and understanding individual impact on success DOI: 10.35629/3002-13065667 Sun, 01 Jun 2025 00:00:00 GMT https://repository.seku.ac.ke/handle/123456789/8329 2025-06-01T00:00:00Z https://repository.seku.ac.ke/handle/123456789/8317 Influence of government bursary funds on participation rates in public secondary schools in Makueni County, Kenya. Musyimi, Charles; Kasivu, Gideon M.; Nzomoi, Joseph N. Education is a dependable mechanism to improve people’s lives through the acquisition of knowledge, skills and desirable attitudes. It is therefore imperative to ensure that children are receiving equal educational opportunities regardless of circumstances out of their control such as their socioeconomic status, ethnicity, geographical location, the school they attend, or the social and economic context of the country (Demeuse, Frandiji,Greger and Rochex ,2012).The purpose of this study was to investigate the influence of government bursary funds on participation rates in public secondary schools in Makueni County, Kenya. Bursary funds are a form of educational subsidies. The study adopted a descriptive survey design. The study sampled 196 principals and deputy principals out of all the 384 public secondary schools in Makueni county that were targeted for the study. All the 9 Sub-County Directors of Education in Makueni County were also targeted for the study. Sampling was done through stratified, simple random sampling. Data collection instruments included questionnaires for Principals, Deputies and interview schedule for Sub-county Directors of Education. The instruments were ascertained through piloting and by research experts to ensure content validity while reliability was achieved through piloting and testing reliability. Data was analyzed by use of SPSS version 22. Descriptive statistics such as frequencies, percentages, means and standard deviations and inferential statistics were used to analyze the quantitative data. Qualitative data was analyzed through content analysis and the responses presented in narratives, tables and figures. The results revealed that the relationship between government bursary funds and participation rates was positive but moderate (R= .679). An adjusted R2 gave a clear prediction. The adjusted R square of 0.68 indicated that 68% of the variation in the participation of students in schooling in public secondary schools in Makueni County could be explained by provision of government bursary funds in financing education. The study recommends that the government should continue and also increase bursary awards to students as a way of bolstering participation rates of students in secondary school education. This should be done by targeting the vulnerable in the society. Sun, 01 Feb 2026 00:00:00 GMT https://repository.seku.ac.ke/handle/123456789/8317 2026-02-01T00:00:00Z