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.

Kenyan commercial banks have continued to use huge investments in innovations and Training of manpower to handle new technologies. The fast-changing competitive environment, globalization, economic changes, regulation, privatization and the like demands that commercial banks are run efficiently and effectively by continuously engaging in innovations. The relationship between the growing investment in bank innovations and bank financial performance in Kenya needs to be studied. If an organization is not capable of introducing innovations on an ongoing basis, it risks that it will lag behind and the initiative will be taken over by other entities. The main objective of the study was to establish the effect of financial innovations on financial performance of commercial banks in Kenya. The specific objectives of the study were to; find out the impact of mobile technology on financial performance of commercial banks, to examine the effect of agent banking on financial performance of commercial banks, to find out the effect of internet banking on financial performance of commercial banks and to investigate the effects of banc assurance on financial performance of commercial banks in Kenya. Population of study comprised of 45 commercial banks employees from 9 banks that use mobile banking, agent banking, internet banking and banc assurance in Nakuru. These banks are Cooperative bank, Kenya Commercial bank, Equity bank, Family bank, Chase bank, National Bank of Kenya, NIC bank, consolidated bank and DTB. Primary data was obtained through questionnaires which was carried out in commercial banks in Nakuru town and was evaluated using explanatory research design while a questionnaire was used to gather primary data. Secondary data was obtained from Central Bank of Kenya and banking survey manuals. The research adopted census technique where every element in the population was included; hence the population was 45. The analysis of the quantitative data was done using statistical package of social science (SPSS) software version 21. Multiple regression analysis was used to test the relationship between bank innovations and financial performance among commercial banks in Kenya. In addition, the Pearson Product Moment Correlation Coefficient was used to test the direction and magnitude of the relationship between the dependent and independent variables.

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.

Agency banking model has been successful in propelling financial inclusion in Kenya. Success stories have been reported in Kenya. Agency banking has contributed to increased access to banking services from 41.3% of the country's bankable population in 2009 to 79.6% in 2018. However, despite this achievement the financial performance of commercial banks in Kenya has been on a downward trend. Therefore, the overall objective of this study was to determine the effect of agency banking adoption on bank deposits in commercial banks in Kenya. The study was guided by the theory of financial intermediation. The study adopted an exploratory non-experimental research design. The study used secondary data and the nature of the data collected was quantitative. The data targeted 15 commercial banks that were licensed by Central Bank of Kenya to carry out agency banking as of December 2014, however one commercial bank (Chase bank) was put under receivership during the period of study and therefore it was excluded from the study. The data was collected from CBK banks supervision annual reports and from financial reports of the 14 commercial banks using a data collection worksheet and analyzed using descriptive and inferential statistics. The empirical model of the study was based on Event study. This study is expected to provide information on the effect of agency banking adoption on the financial performance of commercial banks in Kenya.

Purpose: The purpose of this study was to establish the moderating effect of sensitivity to market risk on internal factors affecting 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. Descriptive and inferential analysis was conducted to analyze the data. The data was presented using tables and graphs. Results: The moderation results indicated that the interaction effect of sensitivity to market risk on the relationship between the independent variables (except management efficiency) and dependent variable was significant. Since the calculated p value of the interaction was 0.000<0.05, and thus sensitivity to market risk has a statistical significant moderating effect on internal determinants of financial performance of savings and credit societies in Kenya. Unique contribution to theory, practice and policy: The study recommended that SACCOs should monitor the variations in market risks, especially interest rates and inflation rates. These macroeconomic factors tend fluctuate often and, hence it’s important for the organizations to observe them.