Credit Information Sharing and Credit Availability in Kenya

This study provides an empirical investigation of the effect of credit information sharing on credit availability in Kenya while controlling for bank characteristics. The study employed the explanatory non-experimental research design. A census of the 43 financial institutions that are licensed under the Kenyan Banking Act was conducted. Both primary and secondary data were collected. The key source documents for the secondary data were the financial disclosures prepared by the banks on a quarterly basis for the period 2008-2012. Fixed effects regression results showed that presence of information sharing had significant positive effect on credit availability as measured by the volume of lending. However, the intensity of information sharing had very little effect on credit availability. The study recommends that the government should ensure that the recently introduced credit reference bureaus cater for all types of credit institutions and also organized informal groups so that prospects of enhanced credit availability can be further improved. Secondly, the government needs to embark on effective awareness creation of the benefits of credit information sharing to the financial institutions. Keywords: Asymmetric Information, Credit Availability, Information sharin

Effect of Exchange Rate Misalignment on Bilateral Trade Between Kenya and European Union: 2000-2016

The exchange rate is an important variable in international trade because a country's competitiveness is determined by the expectations on how trade reacts to its movements. To orient the economy outwards, Kenya has pursued various measures from the 1990s to the 2000s. Kenya also signed up for nonreciprocal trade with the European Union under the Cotonou agreement. Despite the export-oriented efforts, Kenya's trade has remained skewed towards imports and a widening trade deficit which seems to follow the weakening of the Kenya shilling. The main policy dilemma therefore, is how imports accelerated in an environment of unhindered European Union market access, hence the motivation of this study. The study adopted a dynamic modeling approach since previous and present values affect exchange rate and trade. The results show that the economic fundamentals drive the real exchange rate. In terms of misalignment, the exchange rate is overvalued to a maximum of 5.9 percent and undervalued up to 5.2 percent. The estimated misalignment hurts imports but has a positive, statistically insignificant effect on exports. The results of this study suggest that the monetary authority should ensure the exchange rate remains stable and within the 6 percent range while monitoring all the underlying determinants. Additionally, hedging instruments should be made available and affordable to traders

The Impact of HIV/AIDS Expenditure on HIV/AIDS Incidence Rate in Sub-Saharan Africa

Over the last two decades, HIV has been the greatest public health challenge confronting the world. The threat that HIV/AIDS has posed to the health of citizens across the world has been severe making it the most devastating pandemic and this has led nations to declare it a national disaster. Sub –Sahara Africa has been the most affected region. There are approximately 6,000 new HIV infections occurring on daily basis mostly in developing countries with young people in the age bracket (15- 24) years representing more than 33% of the total new HIV infections.  In 1990, the global HIV incidence rate was 0.03 percent and in 2015, the rate stood at 0.04 percent. On the other hand, there has been a rising trend in HIV/AIDS expenditure. For the period 2000 to 2015, $562.6 billion was directed towards HIV fight globally. While the response to AIDS menace has been incredible demonstrating global unity and transformative collective responsibility, deep concern has been expressed on the number of new infections as 90% of the newly infected persons lived in 35 countries. Majority of these countries are in the sub-Saharan Africa. This study used a longitudinal research design whereby data from 11 sub-Saharan countries on HIV/AIDS expenditure and HIV/AIDS incidence rates over a number of years were analyzed. The study conformed to a number of studies that have shown that there exists a relationship between HIV/AIDS expenditure and HIV/AIDS incidence rate. Therefore, to reduce new HIV infections, there is need to allocate more resources

An Empirical Analysis of the Effect of Poverty on Health Care Utilization in Kenya

Background Good health is a fundamental huma right, a valued asset, and a prerequisite for improved productivity. However, high poverty can lead to under utilization or lack of utilization of health care leading to poor health. Thus, poverty reduction and improvement of health care utilization are important in ensuring enjoyment of good health. Since 1982, poverty has remained above 40 per cent despite Kenya’s commitment to poverty reduction. Kenya’s health indicators have also not been impressive and health care utilization has remained low. Evidence shows that those who fell sick and reported lack of finances as the main reason for not seeking medical attention constituted 44 per cent, 38 per cent and 21.4 per cent in 2003, 2007 and 2013, respectively. These statistics point to poor health care utilization due to poverty. In Kenya, studies have concentrated on small segments of the population or parts of the country hence limiting generalization of the findings. Objective The objective of this paper was to determine the effect of poverty on health care utilization in Kenya. Method The study used a Negative Binomial Regression and the 2013 Kenya Household Expenditure and Utilization Survey dataset. The study also used Two Stage Residual Inclusion approach and a Control Function Approach to test and control for potential endogeneity and unobserved heterogeneity problems, respectively. Results The estimation results showed that reduction in poverty increased health care utilization. Other factors that had a positive and statistically significant effect on health care utilization were household size, early levels of education, and distance to the nearest health facility. Conclusion The study concludes that health care utilization is negatively affected by poverty other factors held constant. Thus, policies and strategies aimed at reducing poverty are needed. In particular the study recommends introduction of universal health care for all

Changing Face of Family Planning Funding in Kenya: A Cross-Sectional Survey of Two Urban Counties

As international development partners reduce funding for family planning (FP) programs, the need to estimate the financial resources devoted to FP is becoming increasingly important both at all levels. This cross-sectional assessment examined the FP financing sources, agents, and expenditures in two counties of Kenya for fiscal years 2010/2011 and 2011/2012 to guide local decision-making on financial allocations. Data were collected through a participatory process. This involved stakeholder interviews, review of financial records and service statistics, and a survey of facilities offering FP services. Financing sources and agents were identified, and source amounts calculated. Types of FP provider organizations and the amounts spent by expenditure categories were identified. Overall, five financing sources and seven agents for FP were identified. Total two-year expenditures were KSh 307.8 M (US$ 3.62 M). The government‘s share of funding rose from 12% to 21% over the two years (p=0.029). In 2010/2011, the largest expense categories were administration, commodities, and labor; however, spending on commodities increased by 47% (p=0.042). This study provides local managers with FP financing and expenditure information for use in budget allocation decision-making. These analyses can be done routinely and replicated in other local counties or countries in a context of devolution. Keywords: Contraception, Expenditure, Budget, Decision-makin

Accessibility of long-term family planning methods: a comparison study between output based approach (OBA) clients verses non-OBA clients in the voucher supported facilities in Kenya

Background: The study seeks to evaluate the difference in access of long-term family planning (LTFP) methods among the output based approach (OBA) and non-OBA clients within the OBA facility. Methods: The study utilises a quasi experimental design. A two tailed unpaired t-test with unequal variance is used to test for the significance variation in the mean access. The difference in difference (DiD) estimates of program effect on long term family planning methods is done to estimate the causal effect by exploiting the group level difference on two or more dimensions. The study also uses a linear regression model to evaluate the predictors of choice of long-term family planning methods. Data was analysed using SPSS version 17. Results: All the methods (Bilateral tubal ligation-BTL, Vasectomy, intrauterine contraceptive device -IUCD, Implants, and Total or combined long-term family planning methods -LTFP) showed a statistical significant difference in the mean utilization between OBA versus non-OBA clients. The difference in difference estimates reveal that the difference in access between OBA and non OBA clients can significantly be attributed to the implementation of the OBA program for intrauterine contraceptive device (p?=?0.002), Implants (p?=?0.004), and total or combined long-term family planning methods (p?=?0.001). The county of residence is a significant determinant of access to all long-term family planning methods except vasectomy and the year of registration is a significant determinant of access especially for implants and total or combined long-term family planning methods. The management level and facility type does not play a role in determining the type of long-term family planning method preferred; however, non-governmental organisations (NGOs) as management level influences the choice of all methods (Bilateral tubal ligation, intrauterine contraceptive device, Implants, and combined methods) except vasectomy. The adjusted R2 value, representing the percentage of the variance explained by various models, is larger than 18% for implants and total or combined long-term family planning. Conclusion: The study showed that the voucher services in Kenya has been effective in providing long-term family planning services and improving access of care provided to women of reproductive age. Therefore, voucher scheme can be used as a tool for bridging the gap of unmet needs of family planning in Kenya and could potentially be more effective if rolled out to other counties

The Cost of Providing Comprehensive HIV Services to Key Populations : An Analysis of the LINKAGES Program in Kenya and Malawi

Introduction: Timely data on HIV service costs are critical for estimating resource needs and allocating funding, but few data exist on the cost of HIV services for key populations (KPs) at higher risk of HIV infection in low- and middle-income countries. We aimed to estimate the total and per contact annual cost of providing comprehensive HIV services to KPs to inform planning and budgeting decisions. Methods: We collected cost data from the Linkages across the Continuum of HIV Services for Key Populations Affected by HIV (LINKAGES) program in Kenya and Malawi serving female and male sex workers, men who have sex with men, and transgender women. Data were collected prospectively for fiscal year (FY) 2019 and retrospectively for start-up activities conducted in FY2015 and FY2016. Data to estimate economic costs from the provider’s perspective were collected from LINKAGES headquarters, country offices, implementing partners (IPs), and drop-in centers (DICs). We used top-down and bottom-up cost estimation approaches. Results: Total economic costs for FY2019 were US$6,175,960 in Kenya and US$4,261,207 in Malawi. The proportion of costs incurred in IPs and DICs was 66% in Kenya and 42% in Malawi. The costliest program areas were clinical services, management, peer outreach, and monitoring and data use. Mean cost per contact was US$127 in Kenya and US$279 in Malawi, with a mean cost per contact in DICs and IPs of US$63 in Kenya and US$104 in Malawi. Conclusion: Actions undertaken above the service level in headquarters and country offices along with those conducted below the service level in communities, comprised important proportions of KP HIV service costs. The costs of pre-service population mapping and size estimation activities were not negligible. Costing studies that focus on the service level alone are likely to underestimate the costs of delivering HIV services to KPs

A facility-based study of women' satisfaction and perceived quality of reproductive and maternal health services in the Kenya output-based approach voucher program

Background: This is a facility-based study designed to assess perceived quality of care and satisfaction of reproductive health services under the output-based approach (OBA) services in Kenya from clients’ perspective. Method: An exit interview was conducted on 254 clients in public health facilities, non-governmental organizations, faith-based organizations and private facilities in Kitui, Kilifi, Kiambu, and Kisumu counties as well as in the Korogocho and Viwandani slums in Nairobi, Kenya using a 23-item scale questionnaire on quality of reproductive health services. Descriptive analysis, exploratory factor analysis, reliability test, and subgroup analysis using linear regression were performed. Results: Clients generally had a positive view on staff conduct and healthcare delivery but were neutral on hospital physical facilities, resources, and access to healthcare services. There was a high overall level of satisfaction among the clients with quick service, good handling of complications, and clean hospital stated as some of the reasons that enhanced satisfaction. The County of residence was shown to impact the perception of quality greatly with other social demographic characteristics showing low impact. Conclusion: Majority of the women perceived the quality of OBA services to be high and were happy with the way healthcare providers were handling birth related complications. The conduct and practice of healthcare workers is an important determinant of client’s perception of quality of reproductive and maternal health services. Findings can be used by health care managers as a guide to evaluate different areas of healthcare delivery and to improve resources and physical facilities that are crucial in elevating clients’ level of satisfaction

The Relationship between Technological Factors and Inter-Organizational Information Systems Adoption by Universities in Kenya

Kenya government, in collaboration with other stakeholders involved in enhancing teaching and research in the learning institutions have constructed a terrestrial fiber-optic network that connects most institutions of higher learning to enable them integrate their facilities for the purpose of sharing resources. Despite these efforts, adoption of Inter-Organization Information Systems (IOIS) by universities in Kenya is far from being realized. This creates the need of finding out the relationship between the IOIS technological factors and the IOIS adoption. This study filled this gap by analyzing IOIS technological determinants of IOIS adopting in the universities in Kenya, given the mixed results from empirical evidence on IOIS adoption generally. A logit regression procedure was used to analyze the collected data. Two factors were found to hinder the IOIS adoption, while one factor was found to motivate IOIS adoption. &nbsp

The Relationship between Technological Factors and Inter-Organizational Information Systems Adoption by Universities in Kenya

Kenya government, in collaboration with other stakeholders involved in enhancing teaching and research in the learning institutions have constructed a terrestrial fiber-optic network that connects most institutions of higher learning to enable them integrate their facilities for the purpose of sharing resources. Despite these efforts, adoption of Inter-Organization Information Systems (IOIS) by universities in Kenya is far from being realized. This creates the need of finding out the relationship between the IOIS technological factors and the IOIS adoption. This study filled this gap by analyzing IOIS technological determinants of IOIS adopting in the universities in Kenya, given the mixed results from empirical evidence on IOIS adoption generally. A logit regression procedure was used to analyze the collected data. Two factors were found to hinder the IOIS adoption, while one factor was found to motivate IOIS adoption. &nbsp