The problem of the study focuses on the following main question: With the massive presence of over sixty six MFIs, over twenty commercial banks and numerous Sacco's in Kisumu county, many SMEs were still not registered members of these MFIs service providers, the few registered SMEs were gradually declining in seeking credit, e.g.; only 12% of SMEs operating in Kisumu East sub-county had accessed credit in the year 2015, the poor performance of SMEs growth as indicated by the county's slow economic index of 2.8% (CGK 2015) and Kisumu's high poverty level (47.8%) Does Management approach have an influence of credit accessibility on growth of Small and Medium Enterprises in Kisumu County?

Micro and Small Enterprises (MSEs) play a key role in economic development of the informal sector of many nations. Vast literature on MSEs growth cites financial challenges for startups and working capital. To address this gap, Many Microfinance Institutions have targeted Micro-Entrepreneurs with credit, savings products however; limited studies have addressed the extent in which such initiatives have stimulated the entrepreneurial spirit of individuals targeted. Kisumu, Siaya and Vihiga counties of Western Kenya which were targeted in this study lie in the same economic belt and share similar business culture. The Micro Financing Services explored in the study included Microcredit and Savings Mobilization. The study targeted 65,698 MSEs out of which a sample of 398 was selected. The study purposed to examine the effects of Micro financing services on the performance of MSEs. The study employed descriptive survey design and used structured questionnaires to collect primary data. Data was analyzed using statistical software (SPSS) and presented in descriptive and inferential statistics. The study found that access to microcredit and savings mobilization as independent variables significantly explains the variance in MSE Performance. The study conclusion is that micro-financing contribute to MSEs growth and expansion. The study recommends Public-Private-Partnership whereby Government provides guarantee funds to financial institutions who advance loans to MSEs, as well Government to provide tax incentives to financial institutions that specializes in financing the MSEs sector in Kenya. An in-depth study could be conducted to find out if, financing of MSEs contribute to increase in employment.

A referral medical health institution is a critical center which is considered as a life saver of last resort in handling the human health medical problems. This depends more on the availability of the necessary medical supplies such as drugs, equipment and other related goods as well as adequate number of highly qualified medical staff. The provision of all these requirements other than medical staff is usually facilitated by the Supply Chain Management department. This requires a high degree of efficiency and effectiveness in the supply chain system of a medical institution or any other organization. However, reports have revealed that many Health Care Centers are highly affected by non-provision of the required medical supplies which has led to loss of lives and worsening of medical ailment of patients under their care.

Commercial banks in Kenya are critical in fostering economic development as they fund investment. However, they are no longer making enough profit to keep them afloat while meeting the needs of their shareholders in the current economic climate due to increased competition both from other peer banks and financial innovations leading to the creation of Fintech firms. As a result, a product differentiation strategy needs to be developed to achieve a sustained competitive strategy. This study aimed to establish the influence of product differentiation strategy on the performance of commercial banks in Lodwar Town. In this respect, the study sought to determine whether a product differentiation strategy can effectively achieve sustainable competitive advantage. The study gathered primary data from four banks in Lodwar, Kenya. The banks included: Equity Bank, Kenya Commercial Bank, Cooperative Bank, and National Bank of Kenya. These banks have been in operation in Lodwar for more than a decade. A combination of questionnaires and interview schedules assisted in generating data. A total of 96 participants took part in the survey, while 4 assisted in answering the interview schedule. Regression analysis was used to test the influence of product differentiation strategy on the performance of commercial banks in Lodwar. The study found out a statistically significant positive relationship between product differentiation strategy and the performance of commercial banks in Lodwar, Kenya. This means that a product differentiation strategy can be used as a strategy to achieve sustainable competitive advantage. The effects of product differentiation strategy on performance differ from one bank to another. The main limitation is that only one area was considered. In addition, the study is correlational in nature. Hence, it cannot be used to infer a causal relationship between the two. Other than conducting additional studies comparing different areas, there is a need to conduct a causal relationship to establish whether product differentiation strategy causes the performance of commercial banks.