The study sought to determine financial factors determining micro-loan uptake by women enterprise groups in Nakuru East Constituency, Nakuru County. The government of Kenya acknowledging that women had been marginalized in access to formal financing, and hence introduced the Women Enterprise Fund (WEF) to provide an alternative, easily accessible and affordable finance. However despite the efforts made by the government, most women enterprises still are not accessing the funds as anticipated in this government endeavors. There has been concern among various stakeholders that even though the government has availed affordable funds for women with minimal regulatory factors, some of these funds lie idle with lenders therefore Specifically, the study sought to establish the extent to which financial characteristics, lending procedures, financial literacy and loan repayment policies affect micro-loan uptake by women enterprise groups in Nakuru East Constituency, Nakuru County. The research employed descriptive research design. The target population was 322 women groups in Nakuru Town East Constituency. Nassiuma's formula was employed to sampled 82 groups. Primary data was collected through semi structured self-administered questionnaires. Both descriptive and inferential statistics were used to analyze data. Multiple regression analysis was used as the principal data analysis method. From the study findings,financial characteristic, lending procedures, and financial literacy and loan repayment policies has a significance influence on uptake of micro-loans by women enterprise groups in Nakuru East Constituency, Nakuru County. From the finding the researcher recommended that MFIs and governments should design products specifically tailored to meet the needs of women so as to address their challenges. Women should be equipped with financial literacy skills; this can be through conducting workshops to teach these women how to start and maintain their businesses in proper financial state at all times. The study suggested that further research should be carried out to assess the effect of group dynamic on loan repayment Key terms: Financial Factors Micro-Loan Uptake, Women Enterprise Groups

The purpose of this research was to determine the influence of balanced organizational controls onfinancial sustainability of NGOs in Kenya. The study was anchored on strategic leadership theory andutilized descriptive correlational research design. The study targeted active local NGOs based on therecords of NGOs Co-ordination Board in 2019. Data was collected through self-administeredquestionnaire. Correlation results showed that balanced organizational controls had a positive andsignificant relationship with financial sustainability. Ordinal logistic regression model indicated goodprediction (β5= -2.072, p ≤ .05). However, proportional odds assumption was violated, andcorresponding Pearson Chi-square statistic indicated a poor model fit. Hence, balanced organizationalcontrols do not have significant influence on financial sustainability. The study concluded that balancedorganizational controls were not perceived to be important in influencing financial sustainability ofNGOs in Kenya. The study recommends review of the appropriateness of balanced organizationcontrols particularly in NGOs’ planning and reporting for enhanced organizational performance.

The aim of the research was to determine the influence of a firm’s resource portfolio on financialsustainability of NGOs in Kenya. The study was underpinned by strategic leadership theory and applieddescriptive correlational research design. The study’s target population was 6,028 comprising activelocal NGOs. It utilized stratified random sampling to select 413 CEOs/board members as respondentsthrough a self-administered questionnaire. Correlation results showed that firm’s resource portfoliohad a positive and significant relationship with financial sustainability, r (393) = 0.564, p ≤ .05.Ordinal logistic regression (Nagelkerke Pseudo R2) results revealed that firm’s resource portfolioexplained 13.9% of the variance in financial sustainability, R~ 73 ~ 2= .139, while the parameter estimatesresults showed that firm’s resource portfolio significantly predicted financial sustainability, β2 = 2.725, p≤.05. Therefore, the null hypothesis was rejected implying that the firm’s resource portfoliohas significant influence on financial sustainability. The study recommends strategic leadership teamsto manage appropriately the organization's resource portfolio by organizing and bundling them intocapabilities, structuring their organizations to utilize the capabilities and selecting optimal strategiesto leverage on and exploit these resources to achieve financial sustainability.