What Are the Factors that Influence A Wide Interest Rate Band in Micro-Finance Institutions in Kenya

Interest rates play a significant role of intermediation between savers and potential borrowers.  High deposit rates acts as incentives to attract savings while high lending rates discourage credit demand from potential borrowers.  The margin between deposit rate and lending rate at a given time period forms an interest rate band which has implications on borrowing and deposit mobilization in the economy.  In Kenya, the interest rate band has persistently remained wide despite the efforts to narrow it down.  Several factors have been established that influence this wide interest rate band.  However, this was before the financial reform period when commercial banks dominated the financial sector.  This study was designed to evaluate the factors that influence a wide interest rate band in Micro Finance Institutions (MFIs) is new developments in the financial sector due to financial reforms in the year 2004.  MFI sub sector has contributed to the competitive environment in the credit market.  Factors that influence interest rate bands for these Institutions have not been documented.  Purposive sampling was used to select a sample of 27 MFIs that are registered members of Association of Micro Finance Institutions (AMFI) Kenya and carry out retail Micro Finance activities.  A cause effect research design was applied.  Secondary data was extracted from financial statements using a data collection sheet and a questionnaire used to collect primary data.  Data was collected for a four year period (2005 - 2008) and was analyzed using descriptive statistics.  A censored linear tobit model (Tobit) was used to test the hypothesis.  The results indicated significant differentials between deposit rates and lending rates.  From the findings, four factors; Growth, Financial costs, Profitability and Operating/Administrative costs significantly influenced a wide interest rate band depending on the time period.  Findings from this study are expected to provide information to policy makers for decision making and policy formulation.  The findings are also expected to be beneficial to the Donor community and support groups in their endeavor to promote Micro — Finance activities in Kenya Keywords: interest rate band, Micro Finance Institution, and Interest rate

Gastro-protective and anti-acidic effects of Corchorus trilocularis Linn against diclofenac-induced gastric ulcers.

Ethnopharmacological RelevanceCorchorus trilocularis Linn leaves are consumed as green leafy vegetables that are boiled and used as relish, or potherb by some rural communities in Eastern Africa for the treatment of stomach ulcers.Aim: This study investigated the gastro-protective effects of Corchorus trilocularis Linn (local name ‘mrenda’), a popularly consumed vegetable in Kenya, on diclofenac-induced gastric ulcers and established its possible mechanisms of action.Methods: In the in-vivo study, thirty six Sprague dawley rats of either sex weighing 150-200 grams were randomly assigned into a normal control (distilled water), negative control (distilled water plus diclofenac sodium), treatment (200 and 400 mg/kg Corchorus trilocularis Linn plus diclofenac sodium), positive control group (omeprazole plus diclofenac sodium), or comparison group (400 mg/kg aqueous leaf extract of spinach). The ulcer index, total acidity, volume, pH of gastric secretions, and gastric morphology were assessed. In the in-vitro anti-acidity study, a rat stomach was perfused with Kreb’s solution and the pH of the mucosal perfusate measured using a digital pH meter for 1 hour after exposure to histamine, acetylcholine, or pre-treatment with 400 mg/kg of the extract prior to addition the acid secretagogues.Results: The extract, significantly reduced the ulcer index and total acidity in comparison to the diclofenac group. The high dose extract also increased the gastric pH and had cytoprotective effects. However, it did not significantly affect the volume of gastric secretions. In the in-vitro study, the extract significantly inhibited histamine and acetylcholine stimulated gastric acid secretions as analyzed by the areas under curve for pH against time.Conclusions. The gastro-protective effects of Corchorus trilocularis Linn against diclofenac induced gastric ulcers are; therefore, mediated through preservation of the gastric mucosal barrier, increase in gastric pH, and inhibition of gastric acid secretion through the histamine H2 and acetylcholine M3 extracellular pathways on the parietal cell

CMAPS: A Chess-Based Multi-Facet Password Scheme for Mobile Devices

It has long been recognized, by both security researchers and human-computer interaction researchers, that no silver bullet for authentication exists to achieve security, usability, and memorability. Aiming to achieve the goals, we propose a Multi-fAcet Password Scheme (MAPS) for mobile authentication. MAPS fuses information from multiple facets to form a password, allowing MAPS to enlarge the password space and improve memorability by reducing memory interference, which impairs memory performance according to psychology interference theory. The information fusion in MAPS can increase usability, as fewer input gestures are required for passwords of the same security strength. Based on the idea of MAPS, we implement a Chess-based MAPS (CMAPS) for Android systems. Only two and six gestures are required for CMAPS to generate passwords with better security strength than 4-digit PINs and 8-character alphanumeric passwords, respectively. Our user studies show that CMAPS can achieve high recall rates while exceeding the security strength of standard 8-character alphanumeric passwords used for secure applications

CMAPS: A Chess-Based Multi-Facet Password Scheme for Mobile Devices

It has long been recognized, by both security researchers and human-computer interaction researchers, that no silver bullet for authentication exists to achieve security, usability, and memorability. Aiming to achieve the goals, we propose a Multi-fAcet Password Scheme (MAPS) for mobile authentication. MAPS fuses information from multiple facets to form a password, allowing MAPS to enlarge the password space and improve memorability by reducing memory interference, which impairs memory performance according to psychology interference theory. The information fusion in MAPS can increase usability, as fewer input gestures are required for passwords of the same security strength. Based on the idea of MAPS, we implement a Chess-based MAPS (CMAPS) for Android systems. Only two and six gestures are required for CMAPS to generate passwords with better security strength than 4-digit PINs and 8-character alphanumeric passwords, respectively. Our user studies show that CMAPS can achieve high recall rates while exceeding the security strength of standard 8-character alphanumeric passwords used for secure applications

Does the adoption of soil carbon enhancing practices pay off? Evidence on maize yields from Western Kenya.

Soil carbon enhancing practices (SCEPs) have been proven to be low-cost solutions in enhancing agricultural productivity and alleviate the detrimental effects of climate change. These practices can be adopted as complementary or as substitute practices due to their associated ecological benefits and cost. In view of this, there is limited literature on the impact of adopting a combination of SCEPs since their effect may be lower or higher than individual technologies. A structured survey was utilized to collect data from 334 households in Western Kenya. The study utilized the multinomial endogenous treatment effect model to assess the determinants and impact of adopting on maize yield. The results reveal that adoption is influenced by plots specific characteristics (distance to the plot and tenure system), external support factors (access to credit and farmers participation in markets), tropical livestock units and literacy level. In addition, the results showed that adoption of farmyard manure, intercropping, and intercropping and farmyard manure combination has a significant and positive impact on maize yield. This implies that there is a need to promote SCEPs adoption among smallholder farmers given its positive impact and associated low cost of implementatio

Uniting behind a common goal: Collaboration between traditional healers and allopathic health care workers to improve rural snakebite care

Snakebite envenoming is an acute medical emergency which affects hundreds of thousands of people worldwide, primarily in remote rural areas of low-and middle income countries in the Global South. A considerable proportion of snakebite patients turn to traditional healers (THs) for help, driven by a number of push and pull factors. These include socio-cultural factors, geographical proximity, and the absence or inaccessibility of overstretched and often costly allopathic healthcare services. Although traditional healers and allopathic healthcare staff share a common focus-the recovery and well-being of their patients-both systems operate largely in parallel to each other with collaborations being an exception rather than the rule. This is to the detriment of snakebite patients, who frequently find themselves being caught-up in the dualism between the two separate systems. Given the right circumstances, snakebite patients could benefit from elements of care from both modalities. Here, we have reviewed the role of THs in snakebite care and explored how their integration into the formal healthcare system could improve the implementation and outcome of care. The effective recruitment of THs to aid in disease control and treatment efforts in diseases other than snakebite underscores the potential benefits of this strategy. Carefully devised proof-of concept studies are needed to test our hypothesis that collaborations between the formal healthcare sector and THs are feasible and improve outcomes in snakebite care

Delays, fears and training needs: Perspectives of health workers on clinical management of snakebite revealed by a qualitative study in Kitui County, Kenya

Key aims of the WHO Strategy to halve snakebite morbidity and mortality include health system strengthening and training of health workers. This requires knowledge of local health system needs and capacity, health worker training needs, and factors influencing health worker decision-making in snakebite management. This study explored health worker experiences and perceptions of snakebite management, both individually and in the context of their local health system. We used a qualitative study design with semi-structured interviews (n = 14) and focus group discussions (n = 4). We employed a combination of sampling strategies aiming to achieve maximum variation among key informants within resource limitations. We recruited health workers (n = 33) of varying roles from purposively selected tier 2, 3 and 4 health facilities (n = 12) and the community (tier 1) in four sub-counties in Kitui County, Kenya. We conducted inductive thematic analysis of all transcripts. The results identified that health workers recognised snake envenoming as a time-critical emergency in which delay in care seeking, sometimes exacerbated by health system referral delays, was a major barrier to effective management of patients. Clinicians strongly voiced a need for training in snakebite management, diagnosis and antivenom administration. Unexpressed needs for training were demonstrated in traditional remedy ineffectiveness, syndromic management, and critical appraisal of treatment effectiveness. Under-resourcing in antivenom, other medication, equipment, infrastructure and staffing also challenged management. Fear of snakebite and fear of antivenom, both linked to past experiences, influenced clinical decision-making. Our findings clearly indicate a need in Kitui County for training programmes that equip health workers for clinical decision-making in snakebite management. We further identify community intervention needs to facilitate prompt presentation to healthcare, including practical affordable transport solutions, and systematic health system resourcing needs. In addition, we recommend supportive supervision and further research in response to the emotional stress resulting from managing difficult cases in under-resourced settings

The African snakebite Alliance

The goal to reduce the burden of snakebite envenoming is challenged by the gaps in evidence for clinical care and public health. These evidence gaps and the absence of a strong network are illustrated by bibliometrics. The African Snakebite Alliance is a multidisciplinary group focusing on research themes which will generate evidence needed to shape policy and practice

Conducting epidemiological studies on snakebite in nomadic populations: A methodological paper

Introduction: Research on snakebite has mostly been conducted on settled populations and current risk factors and potential interventions are therefore most suited for these populations. There is limited epidemiological data on mobile and nomadic populations, who may have a higher risk of snakebite. Methods and results: We conducted a scoping review to gather evidence on survey methods used in nomadic populations and compared them with contemporary survey methods used for snakebite research. Only 16 (10.5%) of 154 articles reportedly conducted on pastoralist nomadic populations actually involved mobile pastoralists. All articles describing snakebite surveys (n = 18) used multistage cluster designs on population census sampling frames, which would not be appropriate for nomadic populations. We used geospatial techniques and open-source high-resolution satellite images to create a digital sampling frame of 50,707 households and used a multistage sampling strategy to survey nomadic and semi-nomadic populations in Samburu County, Kenya. From a sample of 900 geo-located households, we correctly identified and collected data from 573 (65.4%) households, of which 409 were in their original locations and 164 had moved within 5km of their original locations. We randomly sampled 302 (34.6%) households to replace completely abandoned and untraceable households. Conclusion: Highly mobile populations require specific considerations in selecting or creating sampling frames and sampling units for epidemiological research. Snakebite risk has a strong spatial component and using census-based sampling frames would be inappropriate in nomadic populations. We propose using open-source satellite imaging and geographic information systems to improve the conduct of epidemiological research in these populations

Snakebite prevalence and risk factors in a nomadic population in Samburu County, Kenya: A community-based survey

Introduction: Snakebite is an important public health concern, especially in tropical areas, but the true burden remains unclear due to sub-optimal reporting and over-reliance on health facility-based data. Methods: A community-based cross-sectional survey was conducted in Samburu County, Kenya from December 2019 to March 2020. Geospatial techniques were used to create a sampling frame of all households in Samburu County and a multistage cluster sampling strategy to select households and recruit study participants. Five year prevalence and mortality rates were estimated, the characteristics and circumstances of snakebite were described, and multilevel logistic regression models were built to identify independent risk factors for snakebite. Results: We recruited 3,610 individuals living in 875 households from 30 clusters. The 5-year prevalence of snakebite was 2.2% (95% CI 1.4%–3.4%), and the 5-year mortality rate was 138 (95% CI 44–322) deaths per 100,000 inhabitants, resulting in an estimated 1,406 snakebites and 88 deaths from snakebites per year in Samburu County. Snakebite incidents often occurred at night between 9pm and 6 am (44%, n = 36), and the participants were mostly walking/playing outdoors (51%, n = 41) or sleeping (32%, n = 27) when they were bitten. Lower household socioeconomic status and smaller numbers of people per house were significant independent risk factors. Conclusion: Samburu County has a high snakebite burden and the most victims are bitten while sleeping or walking outdoors at night. Snakebite prevention and health promotion programs in Samburu County, and other endemic regions, need to be contextualised and consider the geographic, seasonal, and temporal specificities found in our study. Our findings also have implications for health care delivery, especially identification of the need for night-time staffing with expertise in snakebite management and antivenom availability to better manage patients and thereby improve outcomes