6 research outputs found

    Role of Mobile Money Transactions on Revenue of Microbusiness in Kenya

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    This paper determined the effect of mobile money transactions on the sales turnover of MSEs in Nakuru Town. The study used a descriptive cross sectional survey design targeting 21,139 registered MSEs located within Sub-Counties in Nakuru Town, Kenya. A stratified sampling technique was used to select 246 MSE. A questionnaire was used to collect primary data from the MSEs.  A regression model was used to determine the effect of mobile money services and sales turnover. The result revealed that mobile money transactions has a positive significant relationship with MSE sales turnover. The study recommends that mobile phone operators need to consider reduction in money transfer transaction cost, and insurance companies need to encourage payment of premiums using mobile money services. In addition, financial institutions need to offer banking services through mobile phones such as deposits, withdrawals and loan applications with a reduced cost. Keywords: key words, Mobile Money Transactions, Revenue, Microbusinesse

    Mapping of mangrove forest land cover change along the Kenya coastline using Landsat imagery.

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    Mangroves in Kenya provide a wide range of valuable services to coastal communities despite their relatively small total area. Studies at single sites show reductions in extent and quality caused by extraction for fuel wood and timber and clearance for alternative land use including saltpans, aquaculture, and tourism. Such studies suggest that Kenyan mangroves are likely to conform to the general global trend of declining area but there are no reliable recent estimates of either total mangrove extent or trends in coverage for the country. The total extent of Kenyan mangroves was estimated at four points in time (1985, 1992, 2000 and 2010) using Landsat satellite imagery. Due to its medium resolution, Landsat may underestimate mangrove areas in Kenya where relatively small, linear, coastal features occur. There is also a high frequency of clouds in the coastal areas which can cause data gaps during analysis. However comparison with aerial photographs taken in 1992 showed satisfactory levels of accuracy (87.5%) and Cohen’s Kappa (0.54) validating its use in this context. These 1992 data provided an independently validated baseline from which to detect changes (fore- and hind-casted) in other periods after removing cloud coverage. We estimated total mangrove coverage in 2010 at 45,590 ha representing a loss of 18% (0.7% yr−1) in the 25 years between 1985 and 2010. Rates of mangrove loss for Kenya varied both spatially and temporally with variations possibly due to legislative inadequacies and differences in habitat alteration patterns. Hence freely available Landsat images proved adequate to detect changes in mangroves and revealed that Kenya shows rates of decline similar to (although slower than) global estimates
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