Effect Of Mobile Phone Financial Services Usage On Business Performance In Rural Areas: A Case of M-pesa Uses in Kisii County.

The proliferation of mobile devices and technologies has brought about the introduction of a number of value added services, new technologies involving mobile transactions, while creating important commerce opportunities ranging from mobile banking to mobile payments. This study sought to establish the effect of mobile phone financial services usage on business performance in rural areas of Kisii County. The researcher used 30% of the target population resulting to 327 respondents.  Data was analyzed using percentage mean, minimum, maximum standard deviation, cross tabulations and multi-linear regression. The study found out firms that use mobile phone financial services register higher profits compared to firms that don’t use the mobile phone financial services. Therefore the researcher recommends that Mobile Network Operators to come up with more financial services that will be useful in the rural areas where the banking services are not common and come up with ways to ensure money sent to a wrong number can be retrieved even after the wrong receiver has withdrawn it. Key words: financial services, mobile phone, M-pes

Effect of Non Financial Incentives on Job Satisfaction of Teachers in Public Secondary Schools-Survey of Kisii Sub County

Job satisfaction is a major challenge among employees in many organizations. The purpose of this research project is to assess the effect of non-financial incentives on job satisfaction of teachers in public secondary schools of Kisii Sub County in the Republic of Kenya. The specific objectives for the study include: to assess the effect of promotion on job satisfaction of teachers in public secondary schools of Kisii Sub County, to find out the effect of job autonomy on job satisfaction of teachers in public secondary schools of Kisii Sub County and to establish the effect of rewards on job satisfaction of teachers in public secondary schools of Kisii Sub County. Schools were randomly selected from Kisii Sub County. Quantitative data was analyzed using descriptive statistics such as mean, maximums and minimums, standard deviation and regression analysis. Statistical Package for Social Sciences (SPSS) was used to analyze the quantitative data and the analyzed data was presented in form of tables and bar-graphs. The target population was 493 respondents, with a sample size of 83 respondents. The study used stratified sampling to ensure that the sample is fairly distributed in all schools. This study will be significant to policy makers, Ministry of Education, management of schools, teachers and future researchers. The study established a positive relationship between non-financial incentives and job satisfaction of teachers in public secondary schools of Kisii Sub County. Recommendations of the study included that teachers should be promoted regularly and be provided with distinct promotion criteria in terms of years or periods of promotion to enable them get more satisfied with their job and the teachers should be provided with conducive working environment in order to motivate and satisfy them, in return leading to job satisfaction

Assessing the effect of liquidity on profitability of commercial banks in Kenya

The financial sector in Kenya is dominated by commercial banks which have reported significant growth and improved financial performance. Despite the growth, the sector still faces many challenges including stiff competition from within, MFIS, mortgage firms and SACCOs and competition over the last few years resulting from increased innovations in the market. In order to survive and remain competitive they need to be profitable since a profitable banking sector is better able to withstand negative shocks. This study therefore was motivated by the fact that commercial banks need to understand the internal factors which they can manipulate to their advantage to maximize profits. The study will aid commercial banks to maintain a certain minimum balance of cash to enable them maximize the returns. The study determined the effect of internal factors on profitability of commercial banks in Kenya particularly the banks liquidity. The study employed a descriptive research design incorporating panel data. All the 43 Commercial banks in Kenya formed the population and a census was done over a period of 5 years from 2009 to 2013 due to availability of data. This study used secondary data obtained from the annual published financial statements which were analyzed using descriptive and inferential statistics. Internal factor was Liquidity, while Profitability was measured using ROA ratios. The findings of the study show that all the variables Liquidity, has statistically significant and positive relationship with banks’ profitability. This study recommends that banks should invest heavily in assets if substantial gains have to be realized, maintain adequate liquidity levels though in the form of short term marketable securities in order to realize profits and aggressively identify viable investment opportunities and link such opportunities to customer deposits. Keywords: Liquidity, profitability, commercial banks, financial performance

Effects of Motivation on teacher’s performance in Kenyan Schools: A Survey of Nyamira District Secondary Schools in Nyamira County

Motivation of teachers serves as key to facilitate organization performance. However, there are strategies to make these teachers deliver their services to the best of their ability which includes financial and non-financial incentives .The management should take initiatives to shape these teachers through in service training organized by institutions. As it is known, the individual life structure is shaped by three types of external events: the socio-cultural environment, the role they play and the relationship they have and opportunities and constraints that enable them to express and develop their careers. This study was conducted in National, county and district secondary schools operating in Nyamira district, Nyamira County. The general objective was to assess the effects of motivation on teacher’s performance in Nyamira district, Nyamira County. The specific objectives were: To investigate the effects of financial motivation on teacher’s performance in Nyamira county, to investigate the effects of non financial motivation on performance and to establish the effects of teacher’s rewards on performance. The study was a survey research design which required quantitative methods. There were 68 respondents (40 teachers, 14principal and 14 Deputy Principals). This study adopted purposive and simple random sampling techniques in selecting the sample for the study. Three five-point likert type scale questionnaires were used to obtain data for the study. They were Secondary School Teachers Questionnaire (SSTQ) and Secondary School Principals/Deputy principals Questionnaire (SSP/DQ).The reliability coefficient on SSTQ and SSP/DQ of 0.65 and 0.68 respectively were obtained. The data was analyzed by use of a descriptive statistics, inferential statistics and multi linear regression model, using the SPSS package. Recommendations on ways of motivating teachers in order to improve the performance were made. Keywords: Effects, Motivation, Bonus pay, Promotion, Performance, Nyamira District, Nyamira County

O currículo, a educação musical e as realidades individuais de cada estudante: um ensaio em defesa da inclusão cultural no ensino de música

O presente texto tem como principal objetivo discutir a necessidade de se valorizar os vários géneros musicais, nomeadamente aqueles que se encontram culturalmente mais próximos dos alunos, e promover diferentes práticas pedagógico-curriculares associadas a esta dimensão, potenciando uma educação musical mais inclusiva, ativa e completa. Para isso, o ensaio está divido em duas secções distintas. Na primeira secção, refletimos sobre o ensino formal, integrando três dimensões distintas: o currículo; a ideologia e a cultura; o estudante enquanto indivíduo. Na segunda secção, discutimos conceitos relacionados à educação musical, problematizando-se, com maior enfâse, questões relacionadas com a hegemonia curricular, pedagógica e cultural associada ao ensino da música. Com este texto, procuramos trazer para o debate educativo o reconhecimento da individualidade de cada estudante no contexto escolar e, em particular, na educação musical. Defendemos, assim, um currículo, no âmbito do ensino da música, que seja consciente da dimensão cultural dos processos educativos e que potencie um repertório em que evidencia e valoriza a multiculturalidade associada às sociedades contemporáneas.info:eu-repo/semantics/publishedVersio