Purpose: The purpose of this study was to evaluate the effect of management efficiency on financial performance of savings and credit societies in Kenya.Methodology: The study employed an explanatory research design. The target population was 83 registered deposit taking SACCO’s in Kenya that have been in operation for the last five years. The sample size for the study was all 83 SACCOs that have remained in existence since 2011-2015. Census methodology was used in the study.  Both primary and secondary sources of data were employed.  Multiple linear regression models were used to analyze the data using statistical package for the social sciences (SPSS) and STATA. A pilot study was conducted to measure the research instruments reliability and validity. Descriptive and inferential analysis was conducted to analyze the data. The data was presented using tables and graphs.Results: Based on the findings the study concluded that management efficiency has no significant influence on the financial performance of savings and credit societies in Kenya. The univariate regression results showed that management efficiency has no significant influence on the financial performance of savings and credit societies (p=0.173).Unique contribution to theory, practice and policy: The study recommended that with regard to credit risk management, the management should undertake measures to improve Capital adequacy, Asset quality, Management efficiency, Earnings and Liquidity. Further, the study recommended that SACCO's should train their employees as this is likely to increase their productivity.

Purpose: The purpose of this study to establish the effect of capital adequacy on the financial performance of savings and credit societies in Kenya.Methodology: The study employed an explanatory research design. The target population was 83 registered deposit taking SACCO’s in Kenya that have been in operation for the last five years. The sample size for the study was all 83 SACCOs that have remained in existence since 2011-2015. Census methodology was used in the study.  Both primary and secondary sources of data were employed.  Multiple linear regression models were used to analyze the data using statistical package for the social sciences (SPSS) and STATA. A pilot study was conducted to measure the research instruments reliability and validity. Descriptive and inferential analysis was conducted to analyze the data. The data was presented using tables and graphs.Results: Based on the findings the study concluded that capital adequacy influenced the financial performance of savings and credit societies in Kenya. This can be explained by the regression results which showed that the influence was positive and also showed the magnitude by which capital adequacy influenced the financial performance of savings and credit societies.Unique contribution to theory, practice and policy: Based on the findings the study recommended for improvement of the capital requirement regulations by SASRA. The study also recommended that SACCO should improve their liquidity, profitability, operating efficiency and total assets turnover if they must remain in business and meet the capitalization threshold SASRA. Further, the study recommended that SACCO's should shift their concentration from increasing capital levels to credit risk management. Credit risk management would result to improvement in the financial performance of SACCO's.

Purpose: The purpose of this study was to establish the effect of asset quality on the financial performance of savings and credit societies in Kenya.Methodology: The study employed an explanatory research design. The target population was 83 registered deposit taking SACCO’s in Kenya that have been in operation for the last five years. The sample size for the study was all 83 SACCOs that have remained in existence since 2011-2015. Census methodology was used in the study.  Both primary and secondary sources of data were employed.  Multiple linear regression models were used to analyze the data using statistical package for the social sciences (SPSS) and STATA. A pilot study was conducted to measure the research instruments reliability and validity. Descriptive and inferential analysis was conducted to analyze the data. The data was presented using tables and graphs.Results: Based on the findings the study concluded that asset quality influenced the financial performance of savings and credit societies in Kenya. This can be explained by the regression results which showed that the influence was positive and also showed the magnitude by which asset quality influenced the financial performance of savings and credit societies. The univariate regression results showed that asset quality influenced the financial performance of savings and credit societies by 5.827units.Unique contribution to theory, practice and policy: The study recommended that management need to be cautious in setting up a credit policy that will not negatively affects profitability and also they need to know how credit policy affects the operation of their banks to ensure judicious utilization of deposits and maximization of profit. The study also recommended for credit information sharing between SACCO's. This will play a significant role in determining performance of deposit taking SACCO’s. Further, the study recommended that SACCO’s opt for equity financing instead of debt financing to improve on its leverage. SACCO’s should also avoid excessive lending, maintain high credit standards and limit lending to un-hedged borrowers.

Determinants of Electronic-Waste Disposal Strategies by Utility Companies in Kenya 1. Introduction 1.1. Background of the Study Globalization has been realized through the growth of Information and Communication Technology (ICT) worldwide which in turn has resulted into huge amounts of e-waste due to the amount and dynamic short-life nature of the equipment. Electronic waste (E-waste) is now viewed as a huge pollution challenge globally. A wide variety of toxic substances are contained in E-waste with a potential to affect the environment and human health if poorly disposed and managed (Peernart, Ravi & Ming, 2013). This challenge from E-waste is relatively new and presents business opportunities. The huge volumes of valuable materials as well as their toxic nature can be exploited to create lifetime occupations (Widmer, Heid, Deepali, Scheneilillmann & Heinz, 2005). Management of e-waste involves a complex of decision-making variables when choosing the disposal method. It requires analysis of the intended disposal method by a firm to arrive at the most efficient and environmentally acceptable management strategy to dispose e-waste. The decision maker has to do some evaluation by either assigning a quantitative value to each alternative or by providing information which clarifies properties of the alternatives. 1.1.1. E-waste in Kenya Kenya similar to developing countries has encompassed ICT in the public and private segments. Despite the National Environment Management Authority (NEMA) making a draft e-waste management policy in 2011 its enforcement has never been implemented. As such, the country is facing the challenge of accumulated e-waste whose handling and disposal has not been substantively addressed by the present environmental laws. Lack of segregation and poor disposal systems has led to mixing of e-waste with ordinary waste in Kenya's dumpsites (Onderi, 2010). A study by Okeyo and Wangila (2012) at the Kenyan coast established that a battery

Purpose: To establish the influence of organizational capability on effective strategy implementation among SACCOs in Kenya.Methodology: Survey research design while both quantitative and qualitative research methodologies were used in the study. The target population of the study was all 176 Deposit Taking SACCOs in Kenya. Purposive sampling was used to sample at least three employees of the SACCO which includes one top level manager one middle level manager and one low level manage. The sample size was 192 respondents. Questionnaires were uses to collect the data. Descriptive analysis, analysis of variance (ANOVA) and multiple regressions were used in analyzing the data.Results: The results of the study indicate that organization capability is a key determinant of effective strategy implementation.Unique contribution to theory, practice and policy: Every organization has a potential capability that it employs in order to achieve stable competitive advantage and productivity. As long as these capabilities and potential capacities are neither unknown nor realized, it cannot be such efficient to provide barriers for competitors while allowing the organization to surpass competitors.